This short 5 minute video explains how to maximise your borrowable equity and why it’s important to do so. I explain what is borrowable equity, how it’s determined, 3 reasons why it’s important to proactively maximise it and how to maximise it. This is an important action in all environments. However, I suspect that it …
This week, three out of the four major banks increased 5 year fixed rates by a significant amount (around 0.80% p.a.) without any warning. The banks used to give mortgage brokers and branch staff a few weeks’ notice before they increased fixed rates. This allowed us time to let clients know and give them the …
This short blog will provide you with the tools and knowledge to negotiate the best interest rate discount on your mortgage/s. The banks leave themselves open to price competition Much has been written lately about whether the banks will be able to maintain their enormous profits (and dividends) in a low interest rate environment. The …
The mortgage market is pretty challenging at the moment. So much is changing on a weekly basis – interest rate discounts, credit policy and service platforms and processes. I estimate it probably takes us twice as much work to establish a loan than it did 12 to 18 months ago. Take 2 minutes to read …
With interest rates at historic lows and more talk of further interest rate cuts, many clients are wondering if they should fix their interest rate. Less flexibility It is important to note that fixed interest rates have less flexibility than variable rates. That is, if you break a fixed rate loan, you could be up …
Click here to download a printable version. Your home can end up being one of the best investments you make. Firstly, it’s probably the only tax-free investment opportunity you will ever get (i.e. nil CGT). Secondly, if you buy good quality property (home) and it appreciates in value, you can use the equity in your …
The below videos formed part of a webinar hosted by Stuart Wemyss on 14 July 2015 and address the following questions: Is there a property bubble? Is property overpriced? – see below How will Greece’s troubles impact the Australian property market? – click here How to avoid missing out at auction – click here Should …
Click here for a printable PDF version Over the past few weeks the banks have made some significant changes to their lending policies – probably the most significant changes in at least the last 13 years since we’ve been in business. The aim of these changes is to temper the demand for housing by investors. …
How you structure your loans can have a large impact on the tax you pay, your risk, your ability to build wealth, your cash flow and your general financial strength. Efficient loan structuring is a commonly overlooked and rarely understood topic but that’s not to say it’s overly complex. Like anything, you don’t know what …
If we buy well, our home can often be one of the best investments we make in our lifetime. Any capital growth is tax-free and there are not many things in life that are tax-free. Also, if we experience some good growth in our home’s value, we can borrow against that equity to buy other …
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