Stuart Wemyss 
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 interbank lending have increased significantly since the beginning of the year. These benchmark rates are used to set the banks borrowing costs. This benchmark rate …
Are you a spender or saver? Do you find it hard to stick to a budget? Do you find it difficult to save towards a goal? For some people, saving money comes easy to them. For others, it’s like pulling teeth. You might need to adopt a different investment strategy depending on your answers 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 its appropriate and advisable to do so now as your window of opportunity is closing. A major lender in this space, St George/Bank of Melbourne announced today …
It’s a tough outlook for residential property — but there can be opportunities for the serious long- term investor at times like these. Auction clearance rates have also fallen dramatically over the past year, especially in Melbourne and Sydney, where they were above 80 per cent this time last year. Recent figures suggest that auction …
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 below illustrates, the average interest rate margin between a principal and interest home loan and an interest only investment loan is now 1.04% p.a. As …
Tax is most people’s largest lifetime expense! Therefore, it is not difficult to understand how taking proactive steps to minimise your taxes can produce significant financial benefits. Different taxes will impact you at different stages of life depending on the wealth you have accumulated i.e. types of investments, amounts and ownership structures used. The common …
Financial stress is a terrible thing. I’m sure everyone reading this blog has stressed out about money at some point in their life. But the thing is, stressing about money doesn’t change the outcomes. Instead, it just ruins your day. So, am I suggesting that you should never worry about money? Not really. I believe …
The below presentation outlines the 8 rules to master the game of building wealth as covered in Stuart’s book, Investopoly. To find out more about Investopoly and to purchase your copy today, click here.
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 to reduce investment lending and a directive to tighten lending standards just to name a few. If you are unable to borrow then your only …
Over the last few weeks we have been working closely with our advisory clients assisting them with end of financial year tactics. I provide a list below of some of the tactics that we have been implementing. It is worth taking a couple of minutes now to see if you can benefit from any of …
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
© 2026 Prosolution Private Office
You can find our disclaimer, Financial Services Guides, Tax Agency disclosures, dispute resolution policy, CPD policy, and privacy policy here.