Category Archive for "Commercial"

House Model On Red Block With Question Mark Symbols

Have APRA and the regulators gone too far?

I wish I could start the year with good news, but it seems that the economic clouds are gathering, and the resultant storm may well be on the horizon. Why? Well still to this day APRA (Australian Prudential Regulatory Authority)...
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Bank Servese

Great service creates happy customers

It’s nearly a year since the royal commission in to the banking sector was announced, with the seventh and final round of hearings being held in December, 2018. No doubt we’ll be peppered with some more examples of business practices...
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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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The Rich Are Getting Richer in Australia | Latest research stats

It’s happening all around the world – the rich are getting richer. And it’s the same here in Australia where the wealth has grown strongly over the past decade, in part on the back of rising property values. And the big...
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Debt Bomb Investors

Beware the 2020 debt bomb!

Are you ready for the 2020 debt bomb? Now before you start thinking I’ve gone all “60 Minutes” and am falsely forecasting property doom and gloom, think again! Property markets around the country are doing their thing depending on the...
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Australia

It’s either savings or selling as many interest-only terms expire

A new alarmist report has many believing that property Armageddon is nigh. ME Bank’s bi-annual Household Financial Comfort Measures report surveyed 1500 households to gauge how they feel about their financial situation, including cost of living and household debt – and guess...
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Insurance

Why your wealth must be insured

I want you to picture a big suitcase stuffed with $929,000 in cash. It’s all yours. That’s your wealth. Now, I want you to imagine that suitcase is tied to a very thin piece of string, suspended high in the...
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Credit

Plastic is not fantastic – here’s how to ditch it

Like your first kiss; car, job, love and heartbreak, chances are you’ll never forget your very first credit card. Not because of the dizzying high it gave, the sage wisdom it instilled or the thrilling sense of accomplishment you felt....
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