Business, Equipment & Home Finance for SMEs
While increasing interest rates and softening property values are challenging for many, they provide an opportunity for lowly geared borrowers looking to buy an investment property. There are many factors to consider when purchasing an investment property, the most important being property selection – however others to be aware of include: Investment Property Finance - [...]
Mortgage Offset Accounts are a popular tool that many borrowers use to reduce the interest they pay on their home loans and to pay them off faster. Most Lenders offer Mortgage Offset accounts, however how they work can vary from Lender to Lender. Borrowers can also use strategies to increase the amount offset. How Mortgage [...]
Business finance has changed significantly over the past decade. There is now a wider range of Specialist Lenders who provide finance solutions to business owners. The following are 5 types of business loans that don't need property security: Unsecured Business Loan Cash Flow Finance Invoice Finance Equipment Finance Trade Finance I have outlined the key [...]
The federal government first home buyer Home Guarantee Scheme is designed to help eligible applicants purchase their first home. According to the National Housing Finance and Investment Corporation, since launch, the Scheme has assisted more than 61,000 people purchase or build their first home. The intent of the Scheme is to help Australians with less [...]
With interest rates rising, a question I am regularly asked by clients is, “should I fix my home loan interest rate, or is it better to stay variable?” The answer is that it depends on your situation & whether fixing the rate, will provide greater certainty and peace of mind. However, whilst fixing your rate [...]
Commercial Property has traditionally proven a sound investment for investors in Australia for over a long period. However, while things appeared relatively positive in the last quarter of 2021, a lot has changed since then. According to the ANZ-Property Council Survey released in July 2022, uncertainty regarding the economy, rising interest rates and concerns about [...]
The Property Investment Handbook was launched today. The Handbook is a guide for both new and experienced property investors. If you are thinking about investing in property, or an experienced investor, download a free copy of our handbook. Why the Property Investment Handbook was Created Property Investment has helped many Australians create long-term wealth. Its [...]
Many people in Australia use negative gearing to build long-term wealth. It is, however, not without risks, and it is critical to understand how it works before embarking on this journey. In this post, I'll focus on using negative gearing to purchase investment property, however, many Australians also use it to buy shares. What is [...]
It is easy to overlook important investment property risks in an environment where values have been steadily increasing They may not be immediately apparent, but they do exist and should not be ignored: Property Investment Risk - Poor Property Selection Poor property selection is one of the fundamental property investment risks that need to be [...]
Over the past decade, we have seen an increasing number of individuals turning to property investment to create wealth and secure their future. As prices have escalated, more homeowners have looked to use the increased equity to move into property investment. Key Drivers of Property Investment The key drivers of property investment over the past [...]
