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 …
I’m sure you have seen the glossy ads espousing various benefits such as stamp duty savings, rental guarantees, discounts and incentives, state-of-the-art gyms, beautiful kitchen appliances, a concierge and the list goes on. As the title of this blog suggests, I strongly believe that off-the-plan apartments do not make good investments. And I put new-build …
The government is worried about the housing market becoming overheated. Median house prices increased by 8.1% p.a. in Victoria and approximately 13% p.a. in Sydney during 2016. The RBA has said that its worried that people are speculating on the property market and this is driving prices up. To counteract this risk, the government has …
I often get asked by clients when will property prices stop increasing? How much longer can they continue to rise? Do I think the market has any steam left in the engine? The blog below summarises four factors that I think are useful to consider to answer these questions. It’s critical to define the conversation …
No one wants to buy at the peak of the property market! Imagine if you buy a property and then a month later property values fall and it takes more than 2 years to recover to the amount you paid for it. That two years of holding costs (interest) for no gain. Would you kick …
It seems that almost weekly a media outlet runs a story about the ‘so-called’ housing affordability crisis in Australia. The most recent segment I watched on TV this week suggested that Sydney is the second most expensive city in the world behind Hong Kong… really? Have they been to New York and Paris? Buying a …
At the moment, lenders are offering investment loans on a 5 year fixed rate for only 4% p.a. Perhaps this is a once in a lifetime opportunity. Maybe interest rates will never be this low ever again. Let me caution these comments with two contradictory arguments. Two contradictory arguments that both have merit You should …
The goal for most investors is to accumulate enough wealth so your investment assets generate sufficient passive income to meet living expenses. If this happens, it is no longer necessary for you to work for an income and you then have complete discretion over what you do with your time. Wouldn’t that be wonderful! However, …
I was listening to an ad on the radio this week and at the end the advertiser read the following disclaimer: “past performance is not a reliable indicator of future performance”. The government (ASIC) requires businesses to state this disclaimer whenever past investment returns are quoted, so that investors are forewarned that history might not …
My sons will turn 10 in January next year and I worked out the Melbourne median price could be circa $1.4 million by the time they are 20 years old. This means that a 10% deposit plus stamp duty will cost them over $200,000! Where will a 20 year old get that sort of money …
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