Is your loan structured to work as hard as it should? The right loan structure can be worth tens of thousands of dollars over time. Our free debt recycling starter guide explains how to set it up properly, including a borrowing capacity checklist. Download Here Purchasing your first home is an important decision with far-reaching …
Is your loan structured to work as hard as it should? The right loan structure can be worth tens of thousands of dollars over time. Our free debt recycling starter guide explains how to set it up properly, including a borrowing capacity checklist. Download Here Borrowing to invest in property is a popular investment strategy …
Over the past two decades, the average growth in the median house price across the top five capital cities has been 5.3% p.a. This rate is considerably lower than the preceding 20-year period from 1983 to 2003, during which median house prices grew by 8.7% p.a. This significant difference in growth rates has substantial implications …
In this video Stuart explains how he categorises expenses and how to manage your cash flow so that you can maximise your quality of life whilst also making sure that you will enjoy a comfortable retirement.
Upgrading your home is a very important lifestyle decision that will have a significant impact on your standard of living. However, it is also a very important financial decision. Making wise choices can greatly improve your financial position, but mistakes can be very costly and impair your ability to build wealth. (1) Approach the decision …
The price of Bitcoin has risen 64% in 2024 so far. That’s after rising 156% in 2023! Last week, a client brought to my attention that the CEO of the largest asset manager in the world, Blackrock, suggested that crypto is a good long-term store of value. He likened it to digital gold. This might …
Regular readers of this blog would be aware of my unwavering commitment to adopting a long-term perspective when it comes to making financial decisions. While I firmly believe in this approach, I also recognise that there are occasions when short-term decision-making can offer advantages. Nevertheless, it’s important to note that such instances are infrequent and …
In Part 1, I analysed the performance of apartment markets in the eastern capital cities over the last decade. I highlighted the reasons behind their underperformance compared to houses and explored potential factors that might lead to a new growth cycle. In Part 2 below, I’m going to help you decide whether you should sell …
Apartments have underperformed compared to houses for the past 13 to 14 years in Melbourne and Brisbane and the past 6 years in Sydney. Melbourne has been the weakest market. Over the past 13 years since 2011, the median apartment price in Melbourne has only increased by 2.6% p.a. Interestingly, this matches the inflation rate …
I was motivated to write this blog for two main reasons. Firstly, I observed several buyers’ agents on social media proudly advertising short-term capital gains. One instance caught my attention, where a buyers’ agent claimed to have purchased a property for a client 18 months ago for $435,000, asserting its current value at $510,000, implying …
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