Posted in Property Investment

5 questions you need to ask that will give you the answer. The general consensus is that the property markets especially in Melbourne and Sydney have peaked or are close to peaking and that property price increases in general will be lower than what we have seen over the recent past. Does this mean you put the cue in the rack and wait for prices to slow down or maybe even drop? History would suggest that when prices slow down or drop, within the next couple of years well locate...

1. First Home Buyers There's a little bit of good news for first home buyers looking to save up a deposit for their first home. The 2017 federal budget states that they will be able to use their superannuation to assist with saving for a deposit for their home from 1 July 2017.
First home buyers will be able to salary sacrifice up to a maximum of $30,000 or $15,000 per year from their pre-tax income. This is over and above the compulsory superannuation contribution they currently...

Over the last 6 months this is one of the most common questions I have been asked. It's not a new question. It comes around every so often, normally after clients have read an article in one of the daily newspapers or watched a Today Tonight expose' on the crash that has to happen. I myself read an article last week that shared an overseas investment research houses assessment of our property market. For an overseas research house it was quite balanced and thorough but like...

Right now is one of the most interesting times in lending that I have witnessed over the past 15 years. The focus by regulators to slow down lending to investors and now also focus their attention on unsuitable interest only loans is unprecedented in my time. What is the reasoning behind this focus? As we have discussed over the past month APRA the government regulator is concerned about inflated property prices, primarily investment properties in areas where supply outweighs dema...

Plus, what you should know about improving your borrowing power. Before you start trawling online real estate sites for your first investment property, it's important to get your financial basics right. And, the best place to start is by trying to improve your borrowing power. Why? Because the state of your financial position when you're ready to buy your first investment property will determine not only how much you can spend, but also what you might pay in rates and fees ...