Author Archive

Holiday Spendidngs

How your holiday spending can ruin your loan application

You’re kidding right? No, unfortunately not! New lending criteria which looks at potential borrower’s living expenses with a fine-tooth comb means that ad-hoc spending could ruin your chances of securing a home or investment loan. This is especially true over...
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Interest Only Property Loan2

What to do if your interest-only period is about to expire

Are you one of the many Australians who interest-only property loan is due to expire soon? As I’ve written about before, a large proportion of interest-only loans are due to switch over to principal and interest repayments in the next...
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Property Finance

Can I still get property finance?

Finance is one of the most talked about topics in the media of late, with much of the commentary negative. One day we’re reading about housing finance falling to record levels, and the next we’re learning all about the profit...
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House Markets

Forecasting for our housing markets

The annual QBE Australian Housing Outlook for 2018-2021 has just been released and have shown some very interesting statistical data that should enable us to look at and invest with confidence in the coming year. It’s always interesting to look...
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Martage3

What you need to know about mortgages

So, what is a mortgage? Well, it’s not something to fear because it can make the difference between living a wealthy life and one that sees you stuck on a hamster wheel struggling to make ends meet. Simply put, a...
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Charity

It’s not all about finance – why giving back is good for the soul

Now you probably think that’s a weird topic for a mortgage broker to write about. The truth of the matter is, in the grand scheme of things, life is much more than our careers. Sure, it’s also about saving a...
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Expats

What expats need to understand about the lending environment

Aussies working and living overseas might be sitting back wondering what on earth is happening in the world of finance back home. Over the past few months, no doubt, they’ve been reading revelation after revelation coming out of the Royal...
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Property Market

So is it doom or opportunity for our housing markets

I was recently asked this question about our housing markets given the hysterical commentary that has been provided around the state of the housing markets in Australia, it’s a good question and the answer is really dependent upon whether you...
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Home Credit

How to get finance mate’s rate

Not too long ago, savvy homeowners would’ve included their bank manager on their annual Christmas card lists. The name probably would’ve sat quite near the top. In fact, they might’ve even sent a present. Maintaining a relationship with the person...
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Sydney2

How to profit from Sydney’s market softness

You’ve no doubt heard and read a lot about Sydney’s property market over the past few months. Prices are down. Auction clearance rates are flat. Time on market is starting to increase. Everyone seems a bit pessimistic about the state...
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