Category Archive for "Investing"

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Sorry, newbies, but it takes money to get into property investing

I’ve said it before: it’s always been difficult to buy your first property. No matter whether it was the 1960s, 1990s or now, scrimping and saving for that deposit takes discipline and dedication. Now I admit that with property prices...
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Money Hand Over Australia Borrow Cash Wealth Mortgage Loan Building

What’s the difference between borrowing capacity and affordability?

Many novice investors make a simple mistake when they first start out. And that’s because they don’t understand the difference between their borrowing capacity and their affordability. So I’d like to clear up this issue to help investors manage their...
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section 32 mistakes

These common section 32 mistakes can cost you dearly

When selling a home or an investment property, there are a number of expenses that you have to pay, such as marketing costs and commission. So with a number of costs that you have no choice but to pay, why...
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Queensland Contract 1

Understanding the QLD contract exchange process

Queensland real estate is on the radar of home owners, first home buyers and investors alike, due to its relative affordability compared to Sydney and Melbourne. In fact, interstate migration is on the rise in Queensland, as more southerners consider...
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Is housing really that unaffordable?

The price of property in our two major capital cities has everyone talking about something called “housing affordability”. But before I weigh into this debate, it’s important we understand the difference between housing affordability and affordable housing. According to experts,...
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Are you too nervous to buy your next property?

While many Australians would love to get their hands on an investment property, a large proportion also admit they’re not brave enough to take the plunge in the current economic climate. A Galaxy Research survey of 1,005 people nationwide, conducted...
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Interes only lending 2

Interest only lending – the good, the bad and the ugly (Part Two)

It doesn’t seem that long ago that borrowers held the upper hand. Lenders were scrambling over each other to get their business. Times for borrowers were good, with competition aplenty in the banking marketplace. Alas, times have changed – but...
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10 lending tips to secure finance today

It almost seems that every day brings with it new lending policies, doesn’t it? Interest rates are changed for investors and interest-only lenders, while loan to value ratios seems to be more fluid than a retreating tide. While it can...
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Client And Agent exchange contracts in NSW

What you need to know before you exchange contracts in NSW

Australia is a country of eight States and Territories, which each have their own, sometimes unique, laws. The laws around real estate differ substantially across these regions, and there can be quite a few differences depending on which part of...
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The difference between good and bad debt

If you’re like me, your parents taught you not to take on debt. You were probably taught something like this: get a good education, get a good job, get married, buy a home and pay it off. And you were...
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