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Category: Finance Related

Your Trusted Lending Advisor

Should you be getting an Interest Only loan?

New government regulations mean interest-only loans are on the decline. Given the changes, it may be time to reconsider your own loan repayment structure. Rewind a few years and many people would have confidently assured you that an interest-only loan – a home loan on which you only have to make interest payments for a…
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How much property portfolio do you need in order to retire?

If you’re going to a holiday destination today, then the first thing you would do is set the destination right? So you know where you are going. Same thing with investing – you need to set yourself a destination so that way you know where you want to end up. And once you have decided…
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Is buying to flip still viable in today’s market?

With the property boom of recent years and the popularity of TV renovation shows like The Block and House Rules, increasing numbers of Australians have been ‘buying to flip’ – buying a property, renovating it and selling it at a profit. Buying to flip can be lucrative when property prices are rising rapidly, but is…
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Say goodbye to personal debt in seven straightforward steps

It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is critical when you set out to buy…
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When should I invest in property?

History has shown us that Australia has a proven record of stable & growing housing prices over the long term. But when should you look at starting the property investment journey? As an established property investor, this is probably one of the most common questions I get asked in particular from new investors – “When…
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[3 min Wed finance series] What is Comparison Rate and how does it help me?

You walked past a bank and saw the promotional ad hanging outside the window and you thought to yourself – wow that’s one attractive interest rate! But is it really saving you the most? That’s where Comparison Rate comes into play. One of the most common mistakes people make when choosing a home loan is…
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[3 min Wed finance series] It’s still not too late to unlock your equity

After years of good growth across Sydney & Melbourne we are starting to see things turning around. And now would be an even more crucial time to reach out to your brokers and see if you can still take out any equity from your home or investment property before they continue to lose value EVERYDAY!…
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What should you be focusing on in the 2019 lending environment?

With falling house prices in Sydney & Melbourne for the last 12 months, consumers are seeing more challenges than any time before with getting their loans or refinance approved. So what should you be focusing on? As a Mortgage Broker one of the most common questions I get asked is – “what is the best…
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[3 min Wed Finance series] What are white-label loans and why they could fit your needs?

A white-label loan is essentially a home-branded loan, much like the home-branded products you see in the supermarket aisles. Like these products, white-label loans aim to deliver many of the same great features as bank-branded home loans, but for a lower cost to you the customer.  A trend seen in supermarkets over recent years has…
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Demystifying “Equity”, and how you can use that to boost your property portfolio!

In Property Investing world equity is the magic word that everyone is chasing! But what exactly is equity, and why is it so magical? I remember I used to wonder about these questions as I start my journey, so today let’s uncover a bit about what Equity is and how you can use it against…
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