Why use a broker and not a Bank?

In today’s economy, choice is our biggest ally and with so many people heading straight to their bank when it comes time to apply for a home loan, they are missing out the significant benefits that choice affords us. There are numerous reasons why seeking the advice of a broker for your home loan or…

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What makes a good investment property?

We all get extremely excited when it comes time to start looking for our “First Home” or “investment property” but there are several factors that are often overlooked. Ensuring that you select a good investment property should be your primary goal to ensure a greater return in the future, not only in capital growth but…

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What does the FSI mean for mortgages?

Let me preface this by saying that the FSI is an acronym for Financial System Inquiry. For further information click FSI    Governments FSI response: what it means for mortgages. It’s been 10 months since the FSI published its final report. Now the government has made its decision on recommendations that will reshape the Australian…

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Think Like The Rich.

Think Like The Rich.   So it has been a few months now, and you have scrimped and saved every last penny of your pay cheque to pay off some debt here and some debt there. You managed to successfully stick with the budget you set out with and each week you successfully put a…

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So excited for Investment Loans

By far the majority of mortgage loans we handle are investment loans. They simply dominate the market. Having grown by 37% in the last 4 years and owner occupied loans only growing by 4% in the same period according to Roy Morgan Research Consumer Single Source Survey. In a similar survey almost 70% of the…

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Renovation for Profit

Many people nowadays think that a simple renovation will lead to further profits, but this is not always the case. We discuss how to profit from a renovation. Starting with the most important factor, the RIGHT suburb, street, address! A particular area can attract significantly higher prices for renovated homes than others. Start by researching…

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Our ever booming Construction industry

Over the last few years we have seen record breaking housing constructions underway and according to researchers this is going to simply continue. Researchers show that the construction boom has encouraged the extended low periods of interest rates, which in effect have encouraged more builders and developers. It has been recently reported that home building…

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Open House Inspections

It’s no secret that house hunting can most certainly be a daunting task. Regardless of whether this is your second investment property or your first dream home. Now that you have scanned through your local real estate listings and have spent countless hours investigating every “For Sale” sign in your dream neighbourhood, you may have…

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How Investment Lending changes will affect you!

How Investment Lending changes will affect you! Some of you may or may not be aware of the recent big changes in regards to investment lending that occurred over the past few weeks. The official Australian Prudential Regulation Authority (also abbreviated to APRA) has been consistently pressuring banks into significantly limiting their investment lending growth…

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