Stuart Wemyss 
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 …
One of the most challenging aspects of investing is figuring out if you should sell an underperforming investment or whether to hold and be patient. We’re often told to track investment returns closely and sell investments that aren’t performing. But the reality is, some investments just need more time. Charlie Munger, the legendary investor, famously …
When it comes to property investment, many investors strive to strike a balance between the income and the capital growth a property generates, hoping to maximise both. However, I have written a lot about the fact that the income from a property, after expenses, probably won’t help you achieve financial independence. It’s the power of …
The average investment loan size stands at just over $600,000, which means that half of all investors borrow more than this amount to acquire an investment property. However, in my experience, most investors tend to spend less than $1.5 million on a single investment property. It’s important to note that many individuals own more than …
Changing the ownership of a property is typically cost-prohibitive. This is mainly due to the potential stamp duty and capital gains tax liabilities that can arise. Therefore, it’s vital to carefully consider the ownership structure right from the start. Once you’ve made that decision, it is likely that you will have to live with the …
Personal insurance premiums for products such as income protection, life insurance, total and permanent disability (TPD) insurance, and trauma insurance have seen significant increases over the past decade. It’s not uncommon for these premiums to rise anywhere from 5% to 30% each year. Insurance is essential when the financial risk is too great to ignore. …
CoreLogic reported that the total value of Australian property stands at an impressive $11 trillion, surpassing the combined worth of all listed companies on the Australian Stock Exchange by more than five times. Despite this staggering figure, financial advisors have typically concentrated their efforts on shares, bonds and superannuation, often treating property as an afterthought. …
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