Should I refinance in 2024?

  Australians refinanced at record levels in 2023, which was understandable. There’s nothing like being slugged with hundreds or even thousands of dollars extra a month in interest repayments for getting you engaged with your finances. Many borrowers had been lulled into a state of complacency because, until early 2022, it had been more than […]

Reasons to consider using your SMSF to invest in property

  Major economic events like the GFC and the Covid pandemic taught us that things outside our control could severely affect our future wealth. It showed there are no guarantees when it comes to trusting your hard-earned money to a fund manager you have never met. These events played a part in a sharp uptick […]

How to reduce your loan repayments

  A 25 or 30-year mortgage term is a long time to be paying interest to a lender and in the end you’ll end up paying back a lot more than you originally borrowed. The good news is that there are several positive actions you can take that will reduce your overall bill significantly. Say […]

Eligibility Criteria

  So you’ve decided to buy a property. You’ve saved a deposit, researched the local market and now you’re ready to go. But are you even eligible for a home loan? You may know you’re “good for the money” when it comes to making repayments, but banks don’t operate that way these days. Once upon […]

Refinance cash rebates

  Recent RBA rate rises have seen the refinancing market become super competitive. With record numbers of borrowers looking for better deals, banks have had to come to the party with some tasty offers in order to win their share of the business. About a year ago, it was common for banks to offer cash […]

Refinancing to get better interest

  Homeowners and investors are refinancing at never-before-seen levels as rising interest rates take their toll. PEXA research showed more than 450,000 homeowners refinanced in the 2022-23 financial year, while an InfoChoice survey revealed two-thirds of mortgage holders are planning to do so in the near future. The rush to switch lenders has come about […]

Consequences of choosing the wrong broker

Consequences of choosing the wrong broker

  Mortgage brokers can play a huge role in helping property investors reach their goals, or on the flipside…fall short. Taking out the wrong loan product can be costly in the short term, and that pain will be compounded over time, especially if you end up stuck in a bad financial situation as a result. […]

Unlocking equity to invest

Do you want to buy an investment property but don’t know how to raise a deposit with the rising cost of living and mortgage repayments taking up all your spare cash? The solution might be right there in your own backyard…or the backyard of an investment property already in your portfolio. You don’t always need […]

How to structure your property loans to make the most of tax

How to structure your property loans to make the most of tax

  Getting your loan structure right is essential for building a big property portfolio, as it can prevent you from getting stuck and unable to refinance to invest further down the track. But it’s also important to get it right for tax reasons. The correct structuring of investment property loans can mean thousands of dollars […]

How to make your tax return work for you

How to make your tax return work for you

Seasoned property investors know that this time of year presents a golden opportunity. While everyone else may dread tax time, savvy investors know they have a chance to expand their property portfolio, or at least maximise its efficiency. The right or wrong decisions can mean thousands of dollars in difference right now, the effects of […]