Mortgages & Loans,Portfolio Management,Property

What Is Your Property Actually Worth?

12 Aug , 2015  

Property Worth

Valuations are an art form – not a science, thats for sure. At the very most basic a property is worth “that which a buyer is willing to pay,  and a vendor is willing to accept”. In other words – the sale price for an ‘on market’ (via a licensed real estate agent) transaction – presumably because […]

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Investing,Mortgages & Loans,Personal Finance

Want to invest in property? Watch out for these lending changes

1 Jul , 2015  

imprudent-investment-lending

Right now there are huge changes in investment lending, and, I believe it’s a knee jerk overreaction. Massive. Ridiculous. An under considered impediment to would be investors and home owners – that’s right, home owners as well as investors. My opinion only but I stand by it. Full disclosure. I do not have a degree […]

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Investing,Mortgages & Loans,Personal Finance,Property

Your credit card will cost you $80,000

30 Jan , 2015  

woman cutting credit card

In testing your “capacity to repay” a loan, literally how much you can afford to borrow, lenders look at many, many factors – one of which is your other liabilities and credit cards play a big and variable part in this. Most of us have one or two of these brilliant tools – excellent for […]

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Investing,Mortgages & Loans,Personal Finance,Property

Is A Fixed Or Variable Rate Mortgage Best For You?

23 Jan , 2015  

happy young couple relax at home

With 2015 underway, and an increasing number of experts forecasting that the Reserve Bank will cut the official cash rate again later this year, many consumers are re-considering their home loan options and whether a fixed or variable rate home loan is right for their needs. In fact, according to the latest national home loan […]

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Investing,Mortgages & Loans,Personal Finance,Property

Rates are on hold, what does that mean for you in 2015?

9 Dec , 2014  

Rate-On-Hold-Glen-ProAdviser

Chances are, by now, you would’ve caught wind of The Reserve Bank of Australia’s decision to once again leave rates on-hold. At the conclusion of its November Board meeting, Reserve Bank governor Glenn Stevens confirmed the cash rate would remain unchanged at 2.5 per cent. “The most prudent course is likely to be a period […]

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