Stuart Wemyss 
Rohan Rajiv from the daily blog, A Learning a Day recently wrote “The definition of strategy that I use in my day to day is that good strategy is defining the right sequence of steps that helps us navigate trade-offs and achieve the end outcome.” This definition of strategy is a perfect fit when it …
In last week’s blog, I compared the financial and tax effectiveness of investing in property through your super (with borrowings) versus investing in property outside of super or sticking with the traditional approach of investing your super in an industry super fund, for instance (no gearing). I concluded that while the potential benefit of avoiding …
In recent years, borrowing by SMSFs has increased marginally from $24 billion in March 2019 to almost $27 billion in September 2024 – a modest growth of just 2% p.a. Most of these loans are repaid on a principal and interest basis, meaning investors are actively reducing their debt over time. However, the gross value …
When I started ProSolution back in 2002, we only offered mortgage broking services. I left a career in corporate finance at Deloitte to establish a mortgage broking firm because I strongly believed in the tremendous value brokers can provide to clients. In fact, around 2010–2012, I even wrote a manifesto outlining why I believed that …
If you’ve been following my blogs for a while, you’ll know that I’m a strong advocate for evidence-based investment strategies. Put simply, I only employ investment strategies that have a proven track record – where the evidence overwhelmingly shows that a rules-based approach has consistently delivered strong returns over many decades. This approach gives us …
It’s always fascinating to explore how property prices might move over the coming year. While short-term price fluctuations aren’t particularly relevant for long-term investors, this kind of analysis can be incredibly useful for those planning to sell or buy property in 2025. Last week, I joined James Kirby on The Australian’s finance podcast to dive …
Historically, I’ve often recommended that people repay interest only on investment loans. This approach offers two key advantages: However, interest-only loans now come with a drawback: higher interest rates. On average, the big 4 lenders charge a 0.26% p.a. premium for interest-only loans compared to principal and interest loans. For some borrowers, switching to principal …
Australia is likely heading for a federal election in May 2025, and as always, housing affordability will be a major talking point. Sadly, these discussions often end up more about rhetoric than effective policy change. However, at some point, a solution will have to be found. For property investors, who typically hold assets for decades, …
If you’re thinking about retiring in the next 5 years, it’s likely that you’ll need to make some key changes, either now or over the next few years. What specific changes are needed, depends entirely on your financial situation. However, there are several common areas that everyone approaching retirement should consider, which I discuss in …
It’s very common for parents to worry about whether their children will be able to afford to buy into the property market, and we get asked about this regularly. There are several complexities involved: some financial, and some more related to parenting choices. I’d like to share an idea that could work well for both …
Level 8, 31 Queen Street
Melbourne VIC 3000
Office: (03) 8624 4600
Postal: PO Box 475,
Collins Street West, VIC 8007
advice@prosolution.com.au
© 2025 Prosolution Private Clients
You can find our disclaimer, Financial Services Guides, Tax Agency disclosures, dispute resolution policy, CPD policy, and privacy policy here.