There has been a lot of commentary in the media about the “credit crunch” that we are in at the moment. Why is the credit crunch going to impact you…
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Some interesting information and data has been released this week which I would like to discuss with you. Variable mortgage rates will probably rise soon Interest rates that apply to…
I wanted to communicate an important change in the lending marketplace. If you have ever contemplated using your super to invest in residential property with borrowings, you must work out if…
Over the past two years lenders have been incrementally increasing interest rates on investment loans and loans with interest only repayments (as opposed to principal and interest). As the chart…
Over the past couple of years there have been many changes that have dramatically reduced your borrowing capacity. The Financial Services Royal Commission, government has put pressure on the banks…
Your loan structure can have a big impact on your success as an investor. It can influence interest rates, borrowing capacity, cash flow, taxation liabilities and so on. Four years…
I typically strongly recommend to property investors to never contribute any cash into an investment property acquisition. I’m not suggesting that you should blindly borrow more and therefore pay more…
We have settled over $1.5 billion in mortgages over the past 15 years (it’s our anniversary this month). Over this time, we have had less than a handful of clients…
Understanding how banks set interest rates can help you make better informed decisions, particularly in regard to identifying the best lender to use. There are three main factors that influence…
Many clients are surprised by how thorough the loan approval process has become. The government has put pressure on the banks over the past 18 months to tighten up their…