First Home Buyer Home Guarantee Scheme

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 [...]

Should I fix my home loan interest rate?

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 [...]

The Property Investment Handbook

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 [...]

Negative Gearing Explained

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 [...]

Key Property Investment Risks

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 [...]

  • Carlo Colangelo
  • 16 December, 2021
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Property Investment – What You Need to Know

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 [...]

  • Carlo Colangelo
  • 26 November, 2021
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Loan Assessment Rates

When you apply for finance to purchase a home or investment property, Lenders will assess your application both on the actual interest rate and importantly, their Loan Assessment Rate. It is also applied to both new and most existing borrowings. (An Affordability Margin is also likely to be added to most business type borrowings) The [...]

Home Loan Eligibility Criteria – Monthly Expenses!

A key element of Home Loan eligibility that often confuses and frustrates borrowers is the degree to which Lenders now review an applicant’s monthly expenditure. Even experienced borrowers or investors are surprised by the granular detail involved! Home Loan Eligibility - House Expenditure Method (HEM) In the past, Lenders determined your home loan eligibility by [...]

Why use a Mortgage Broker?

Many people wonder why they should use a Mortgage Broker instead of dealing with a Bank direct. Even though there are thousands of Mortgage Brokers across Australia, what they do and the value they provide is not well understood. Whether you're looking to buy a home, finance renovations, or build wealth through property investment, a [...]

Applying for a Home Loan – Planning Pays Off!

It pays to plan ahead to avoid disappointment, delays, and a lot of frustration when applying for a home loan! This is even more so in a housing market where supply is constrained, and prices are accelerating. Even borrowers with an established track record, are often surprised about the amount of information and evidence they [...]

  • Carlo Colangelo
  • 06 September, 2021
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