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While you're here...
Please feel free to read our current and past newsletters below.
Current newsletter
June 2008 - Issue 45 133KB
7 Tips on How to Reduce Your Tax Bill... With 30 June 2008 fast approaching, it is time to look at some things you can consider doing today, to minimise your end of year tax bill (or boost the refund if you’re one of the lucky ones). I will discuss 4 things you can do which will assist in the current tax year and discuss 3 tax planning opportunities, which you may take advantage of in the future.
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
Past Newsletters
April 2008 - Issue 44 100KB
Unwinding 15 years of strong competition... Calling the Federal government in action! - 15 years of strong competition in the Australian mortgage market could be evaporating as more and more borrowers feel driven back to the "safety" of the big 4 lenders but this will come at a cost. We could be heading back to the pre "Aussie Home Loan" days where the big banks were making twice as much profit on a home loan than they are today
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
February 2008 - Issue 43 100KB
Leverage one of your greatest assets... superannuation! - This month's newsletter looks at some law changes late last year which effectively allow super funds to borrow money to invest. This could be a very powerful wealth creation tool for some people.
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
December 2007 - Issue 42 175KB
Carla Fried from America’s Money Magazine collected the best advice from some of the smartest investors (and other people) who have ever lived. I thought it was an excellent article which reinforced investment fundamentals. A “must read” for any investor!
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
October 2007 - Issue 41 65KB
Your investing decisions should be influenced by rsik - You may have heard people say that investing is all about risk and return. Generally, if you want a higher return on your investments, you have to accept a higher risk. However, you don’t hear much about the risks associated with investing in one property versus another. In fact, risk is the most important thing which separates the good properties from the bad.
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
August 2007 - Issue 40 65KB
The single biggest thing that costs people literally thousands of dollars (possibly millions) is procrastination. The Webster dictionary defines procrastination as “the deferment or putting-off of an action which requires immediate attention, usually by focusing on some other distraction”. This article is really only aimed at the people who have decided that they want to start investing but haven’t got around to it. My aim is not to convince you that you should invest (hopefully that’s a given), but to encourage the people who have thought about it to take action… today! Not doing so could be costing a minimum of $570 per week.
The Market Watch section discusses how much the cost of mortgage insurance can differ between lenders and profiles the lowest rates offerred by the 35 lenders on our panel.
June 2007 - Issue 39 65KB
I have a very interesting newsletter topic for you this month. It is about the deductibility of capitalised interest. That is, not making any repayments on your investment loan and instead diverting all income into your home loan (non-deductible debt). This effectively turns non-deductible debt into deductible debt. I have done the numbers and it ended up saving the borrower $66,000. This is a 'must read' for anyone with deductible and non-deductible debt.
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
April 2007 - Issue 38 65KB
$715,000 after-tax cash profit without investing a cent of your own money! - Equity in property can be such a powerful wealth creation tool. The sad thing is that a lot of people that have plenty of equity in their home or investment property don't know how to use it to create more wealth. In this month's newsletter, I describe a loan structure that allows an investor to purchase an investment property and not have to contribute any cash deposit or finance any negative cash flow. The property ends up paying for itself. Selling the property in 25 years will result in an after tax profit of $1.5 million which is equivalent to $715,000 in today's dollars.
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
February 2007 - Issue 37 105KB
Do nothing and lose $161,000! - It's a critical thing that I think many property investors overlook and it is potentially costing them literally hundreds of thousands of dollars. I am talking about regularly reviewing your property assets to ensure they are top quality (with top quality growth prospects) and not settling for the "average" property. This month's newsletter discusses how you are better of disposing of a poor or even "average" property and purchasing a better quality property (even if that involves realizing a loss, paying for selling costs and stamp duty on the new purchase).
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
December 2006 - Issue 36 84KB
Borrow to invest or repay extra into your home loan? - Many people are very focused on repaying their home loan. In fact, some people will put off borrowing any other funds (to invest) until their home loan balance is zero. Is that the best thing to do? Or is there some middle ground that may allow you to borrow to invest and as well as repay your home loan?
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
November 2006 - Issue 35 80KB
Better Ways Of Owning Property - Most people will purchase property in their personal name. A couple purchasing a property will normally own it jointly as very little time is ever spent considering the alternatives. In fact, some people do not even realise that there are alternatives. This month’s newsletter will focus on highlighting these alternatives.
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
October 2006 - Issue 34 678KB
Which is better? Renting your home or buying it (with a mortgage)? I agree that this is a topic that has been done to death! I recently taped an interview for Channel Nine's A Current Affair (ACA) program about this topic. It forced me to do some calculations and have a good think about it. I believe that the renting versus buying decision comes down to one very important consideration which I discuss in the newsletter.
The Market Watch section profiles the lowest rates offerred by the 35 lenders on our panel.
September 2006 - Issue 33 64KB
When purchasing a property, most people focus on the value equation. That is, they compare the asking price to what they think the property is worth. Most people are aiming to buy a property for less than what it's worth. Often, this is the dominant focus. However, I am going to suggest that it doesn't matter if you pay a little too much for a property. In fact, I think the main focus should be on the capital growth prospects of the property.
The Market Watch section profiles some of the lowesr rates offerred by the 35 lenders on our panel.
August 2006 - Issue 32 55KB
Comparing mortgage products involves more than just comparing the interest rate and filling out an application form. Choosing the wrong product can have a greater financial effect than choosing the wrong lender. In this article, I will discuss which products to use, which products to steer clear of and how choosing the right product can save you a lot of money. This is important information for anyone who has a mortgage.
The Market Watch section includes:
>> Battling Bank Valuations
>> Best Rates
July 2006 - Issue 31 137KB
Who offers the best internet banking site? We review 26 of the best know banks, credit unions and mortgage managers.
The Market Watch section looks using a solicitor or convayancer when purchasing a property.
June 2006 - Issue 30 54KB
People rarely check the competitiveness of their mortgage product even though it's probably their biggest expense... so why not take our 3 minute mortgage health check? Answer 6 questions to find out if you're wasting your money on an uncompetitive mortgage.
The Market Watch section looks at how the recent marginal tax rate changes affect negative gearing benefits.
May 2006 - Issue 29 49KB
How did we save a client over $17,000 in mortgage insurance costs? Our May newsletter looks at how lenders are competing to waiver mortgage insurance for professionals that need to borrow more than 80% of a property's value.
The Market Watch section includes:
>> Tax planning - Interest in advance - 6.54% fixed for 3 years.
>> Best Rates
April 2006 - Issue 28 110KB
Our April 2006 newsletters main feature is titled "Property versus Shares". We take a different approach to the property versus shares question. We suggest the both are excellent investments. Some people are suited to shares and some are suited to property.
The Market Watch section includes:
>> Westpac: 85% without mortgage insurance.
>> Tax planning - Interest in advance.
March 2006 - Issue 27 79KB
Our March 2006 newsletters main feature is titled "Who offers the best credit card?". We compare the best credit cards on the market for the different user types. I highlight which cards have the best rewards, the lowest rate and fees, etc.
The Market Watch section includes:
>> Some attractive fixed rates.
>> Interesting newsletter?
February 2006 - Issue 26 68KB
Our February 2006 newsletter main feature is titled "Getting Better Service From Your Bank!". I discuss the service platforms/relationships that the major lenders offer and how you can "manage" your relationship to get better service.
The Market Watch section includes:
>> Where are rates heading in 2006?
>> Investment property seminars
December
2005 - Issue 25 146KB
Our December 2005 newsletter
main feature is titled "Should you buy
an investment property or a home?". If you are ready to buy a property,
should it be an investment property and keep renting or a home? It
can
make a big difference from a wealth creation perspective.
The Market Watch
section includes:
>> Are you being served?
>> Merry Christmas
November
2005 - Issue 24 62KB
Our November 2005 newsletter main
feature is titled "Aussie John Says
Property Values are Going to Fall! ". We consider the negative
comments in the press about the property market and interview some
very successful
investors to get their opinion.
The Market Watch section includes:
>> Adelaide Bank 5 Year Fixed Rate
>> ANZ will now match St George, Westpac and CBA.
October
2005 - Issue 23 84KB
Our October 2005 newsletter main
feature is titled "Makings of a Successful
Investor". In our line of work, we come across many successful property
investors that have built a significant amount of wealth. We share our
observations about what common characteristic and mind set successful
investors possess.
The Market Watch section includes:
>> Macquarie Bank offer
>> ANZ reduces LMI
>> St George application fee
>> Genuine savings
>> 3 year fixed rate
>> Westpac Rocket rate reduction.
September
2005 - Issue 22 68KB
Our September 2005 newsletter
main feature is titled "Trading Places
– To sell or not to sell?" and looks the question that arises if
you planning to upgrade your current home, should you sell it or keep
it as
an investment property?
The Market Watch section includes:
>> Interesting fixed rates.
>> Free investment booklet.
August
2005 - Issue 21 77KB
Our August 2005 newsletter main
feature is titled "Fixed Rates...
Who Wins?" and looks at fixed and variable rates over the past 15
years to see if fixed rates borrowers are better off or not. The results
are conclusive and may provide a lesson for the future.
The Market Watch section includes:
>> Mortgage insurers - policy changes.
>> Trusted Professionals.
July
2005 - Issue 20 116KB
Our July 2005 newsletter main
feature is titled "One thing most investors
overlook..." and looks at the benefits of borrowing over 80% (of
a property's value) for investors. Our example in this newsletter results
in a net gain of $65,000 in 5 years for an investor that borrows 90%
compared
to 80%.
The Market Watch section includes:
>> Pricing changes by CBA & ANZ
June
2005 - Issue 19 112KB
Our
June 2005 newsletter main feature is titled "Three planning tips
to optimise your tax position" and looks at methods of optimising
your deductible and non-deductible debts.
The Market Watch section includes:
>> Mortgage insurers change policies.
>> NSW State budget - property and finance matters.
>> Customer satisfaction.
May
2005 - Issue 18 60KB
Our May 2005 newsletter main feature
is titled 'How do banks set interest
rates?' and looks at the two major factors that influence interest
rates.
The Market Watch section includes::
>> Not all property is good property! Get the facts from the experts.
>> Victorian State budget - property and finance matters.
>> Recent product changes.
April
2005 - Issue 17 125KB
Our April 2005 newsletter main
feature is titled 'How much deposit/equity
do I need?' and looks at how much borrowers need to contribute to
a purchase and some of the products that allow you to borrow 100% (or
more) of the purchase price.
The Market Watch section includes:
>> HSBC rewards loyalty
>> BankWest reduces fees and rates
>> Westpac leaps into the 1990's
March
2005 - Issue 16 128KB
Our March 2005 newsletter main
feature is titled 'Who offers the best
credit card rewards?' and compares the best premium credit cards
from the major banks. It also profiles the best low cost cards.
The Market Watch section includes:
>> Is It Worth Fixing Your Loan? Free Split Loan Simulator
>> BankWest offers 0.75% Discount
>> Melbourne seminar full
February
2005 - Issue 15 70KB
Our February 2005 newsletter main
feature is titled 'Buying property
- No mistakes!' and talks about the pros and cons of the services
that buyers' advocates and investment property advisors offer.
The Market Watch section includes:
>> Do holiday home make good investments?
>> Quick tips on avoiding the cost of mortgage insurance
>> Westpac increases discounts
>> Melbourne seminar - returning to fundamentals
December
2004 - Issue 14 118KB
Our December newsletter main
feature is titled 'Trading Places'
and talks about the three safe ways to finance the changeover of your
family home (i.e. selling your existing property and buying a new one).
The Market Watch section includes:
>> Income Protection Insurance
>> Sydney Property Market Update
>> Christmas closure and thank you
November
2004 - Issue 13 113KB
Our November newsletter main
feature is titled 'Special Interest Rate
Discounts' and highlights the top three sources of special interest
rate discounts. A quick read will tell you if you're getting the best
deal.
The Market Watch section includes:
>> Where to save your deposit - top savings accounts.
>> Changes in fixed rates.
>> Free ProSolution seminars in 2005.
October
2004 - Issue 12
Our newsletter will be released monthly from November 2004.
In October we released a Property Buying Special newsletter.
August/September
2004 - Issue 11 112KB
>> Six critical things to do before refinancing
>> Property negotiation tips - Submitting an offer
>> Client profile - waiver of mortgage insurance
>> Consumer protection - Finance Broking Contract
>> As requested... Home buying process documented
June/July
2004 - Issue 10 117KB
>> Top negotiating tips for borrowers.
>> Recent changes to stamp duty and High Court ruling.
>> Client profile – the tax effective structure we negotiated.
>> Gearing up for investment – latest API article.
>> Assistant Analyst
April/May
2004 - Issue 9 151KB
>> Top 8 Mortgage Misconceptions
>> Helping Family Members
>> Q&A - Mortgage insurance refund
>> Special offers
>> Gadgets, gadgets, gadgets...
February/March
2004 - Issue 8 153KB
>> Who offers the best Internet banking site?
>> Secret growth suburbs in 2004.
>> Things to do before you purchase.
>> News alert - FHOG.
>> Special offers.
December/January
2004 - Issue 7 1.5MB
>> Factors that affect Interest Rates
>> Banking Tip #1 : Credit Card Sweep
>> Introducing Buyer Solutions
>> Survey Winners
October/November
2003 - Issue 6 347KB
>> New or established? Which is better Part 2
>> Lenders Mortgage Insurance does NOT protect you
>> Property Investor Tip #6 - Prior planning prevents poor performance
- the role of pre-approvals
>> New lender profiled
August/September
2003 - Issue 5 1.5MB
>> New or Established? Which makes the better investment Part 1
>> The true cost of breaking a fixed rate
>> Investor tip #5 - Getting the most out of your valuation
>> Exclusive discounts profiled
>> Investor Tax Alert - rental properties under close scrutiny by ATO
June/July
2003 - Issue 4 155KB
>> The $250,000 challenge - is there anything
left at this price range and where to look
>> Property Investor Tip #4 - Protect your credit file
>> Industry News - Housing finance boom rolls on
April/May
2003 Edition Issue 3 695KB
>> The truth about Inner-City Apartments
>> Property Investor Tip #3 - How quickly can you accumulate properties?
>> Industry News
>> St.George's professional package introduced
>> Special Offers
February/March
2003 - Issue 2 1.1MB
>> Knowing the costs of refinancing
>> Question and Answer - professional packages
>> Property investor tip #2 - Consider how yield affects your borrowing
capacity
>> Industry News
>> Special Offers
December/January
2003 - Issue 1 263KB
>> Home renovations
>> Property investor tip #1 - Have you ever thought of using a Property
Advocate?
>> Question and answer - deposit bonds
>> Industry news
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