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09
Oct 15

In the world of finance that is…

We all know that interest rates are cyclical and that when rates go down they will eventually go up.

As a result, lenders have been assessing loan applications on the ability of borrowers to make repayments at interest rates approximately 2% higher than those currently available. While lenders have been assessing your ability to make repayments at a higher interest rate, what is the reality of the financial impact of your regular loan repayments?

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10
Sep 15

With historically low interest rates a current topic of conversation, many clients are asking the question: Do we fix our loan or is it better to have a variable rate?

Which loan is right for me?

Well, that all depends on your circumstances.

Variable and fixed loans have their advantages and disadvantages so it’s imperative to consider these before making a decision. Split loans combine features of both variable and fixed loans allowing you to broaden your options.

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14
Aug 15

… and it’s not necessarily a six figure salary!

Did you know that your skill and experience in managing a tight budget could make you a better property investor than some big spending high income earners?

We often meet people who are hooked on the good life: living in expensive suburbs, fancy cars, frequent dining out and overseas holidays. You’d be surprised however, at how many don’t have adequate savings for retirement or redundancy, let alone a solid investment plan.

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12
Jul 15

Many of our clients are keen to understand what influences their borrowing power and how they can improve their borrowing capacity to be a step closer to their next home or investment property.

Did you know that your credit card limit directly impacts the amount you can borrow? With a simple change it can also be one of the quickest ways to increase your borrowing capacity!

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15
Jun 15

With the ongoing concerns about increasing property prices, home ownership , the cost of living, and small or no wage increase , the question that continues to come up in general conversation is ‘how will our children ever enter the property market?’

Did you know that approximately 28% of our Australian population at any time are in rental accommodation (1)?

The percentage of owners (including those with a mortgage) vs renters has not changed significantly since the very first census of population and housing in 1966.

In 1966 the proportion of owner occupied private dwellings vs rental was 71.4%(2) . The most recent census information of 2006 shows home ownership has dropped slightly to 69.8%.

Although there has been a slight drop in home ownership, the population has more than doubled over the same time from 11.65M to currently over 23.8M(3) .

In fact, home ownership rates in Australia still put us in the top five of all OECD countries.

So what can renters do?

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