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Author: David Shih

Your Trusted Lending Advisor

The ins & outs of HomeBuilder grant

As part of the economic response to the COVID-19 pandemic, the federal government’s HomeBuilder program provides eligible owner-occupiers – including first home buyers – with a grant of $25,000 to build a new home or substantially renovate an existing home before the end of 2020. It can pay to check if you’re eligible and what…
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Historical Low Rates – is now the time to fix your mortgage?

Australia’s cash rate is now the lowest it has been in 23 years, a reaction initially to stunted economic growth and now to the impact of COVID-19 on the local and global economic landscape. As the uncharted negative interest rate zone looms, is it worth fixing your rate? Here’s what to weigh up when making…
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Making the most of your investment property at tax time

Come July 1 the annual tax window opens again. Property investors may have access to a wide range of tax benefits, but tax is a complicated matter. It pays to be across the details. Here’s how you could maximise your return, and what to watch out for. Over two million Australians own at least one…
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Concerned about paying your loans?

If you are concerned about servicing your loan, reach out to your mortgage broker for help. As Australians everywhere take a close look at their financial circumstances, mortgage brokers stand ready to lend a helping hand. Whether experiencing financial hardship through job loss, a reduction in work hours, or business disruption, an increasing number of…
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Should you consider taking a “mortgage holiday”?

Taking a short-term break from paying off your mortgage isn’t a new idea, but as the bite of the COVID-19 pandemic grips harder and harder, more Australians are applying to do so. With the RBA’s cash rate held at a record low of 0.25%, what are the implications of pushing pause on your repayments? In…
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Pick of the month – 27 Lynstead St, Beckenham WA 6107

A success acquisition in our west coast! Secured by Right Property Group for our mutual client for the price of $365,000, this 3 bedroom, 1 bathroom house sitting on 856sqm block has an excellent potential for the following reasons: Location – Situated in a quite residential neighborhood area and only about 13km to Perth CBD…
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Buying vs Building – do you need a mortgage or construction loan?

Building a new home that looks and feels just right – or making big changes to the place you live – is a goal for many. But it can be a more complicated process and a very different experience to buying an existing property. And it can require a specific type of financing – a…
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What are some Apps that can help you with money management?

It’s never a bad idea to have a little help managing your money – and when you’ve got monthly mortgage repayments to make, balancing the books is extra important. There’s a great range of apps and tools designed to help you budget, save and track your finances. And we’ve put together a list of some…
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Navigating lending during the COVID-19 period

We’re currently in an unprecedented territory – a health/hygiene issue sparked strict social distancing protocols and lockdown. The consequence? All those businesses deemed as “non-essential” are now forced to shut shops/hibernate and employees were let go due to business revenue getting hit hard. Whilst government is diving into Quantitative Easing territory (like never before!) in…
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Pick of the month – 21 Jennings St, Zillmere QLD 4034

This month we are sharing another success story in Brisbane! Secured by Simon Loo from HouseFinder for our mutual client for the price of $469,000, this 3 bedroom, 1 bathroom, 3 garage house sitting on 531sqm block is a great starting point for any investor: Location – Sitting on a corner block and only few…
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