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

I am a property investor. Should I split my investment loans?

8 Apr , 2015  

Penthouse 1

If you’re a property investor, or you own multiple homes (perhaps a holiday house up the coast – go you!) you may have a number of loans which amount to a reasonable balance, and you wonder if you should have them all together or not. I say a resounding No! Lets look at this. It used […]

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Mortgages & Loans,Personal Finance

Is Your Banker Just Like A Used Car Dealer?

11 Mar , 2015  

Used-Car-Sales-Guy-Dealer

There’s a phenomenon in car buying that says if you walk onto the lot they’ve almost got you. Most car dealers will consider you pretty much sold – and they don’t have to work too hard to get you to buy. Its reflected in the deal you’re offered. If you understand this, and the way […]

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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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Cashflow & Budgeting,Investing,Personal Finance,Property

The Hidden Cost Of Changing Your Address

2 Dec , 2014  

Hidden-Hide-And-Seek-ProAdviser

There’s a very good reason for trying to buy the best, most suitable property that you can afford to buy – suitable for you now and suitable for you in the short to medium term future. Money. It costs a lot to change address, and I’m not talking mail redirection fees! Imagine this example: Young […]

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