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When it comes to investing in our homes, Australians know it’s a big decision. With numerous options for home loans from banks and non-bank lenders, it’s easy to feel overwhelmed when trying to find the most cost-effective way to reduce your mortgage repayments. That’s why having an annual mortgage review is a good idea and here are 5 reasons why.
If you’re considering taking out a personal loan for your next big purchase, you’ve come to the right place. From understanding interest rates and terms to discovering why a personal loan might make sense for your situation, this guide provides a quick overview.
For many people, a self-managed super fund (SMSF) offers a great opportunity to take control of their retirement savings. When it comes to investment strategy, an SMSF offers a unique advantage in the form of direct property ownership. Let’s explore the basics of SMSF, how it works, and understand the rules, costs and risks of setting up a self-managed super fund (SMSF) for property investment.
For investors in the property market, staying informed is essential to navigating the ever-changing landscape of real estate. From fluctuations in interest rates to changes in demand for rentals and everything in between, there are countless factors that can affect your investment decisions. Keep reading to get an inside look at how these influences shape buying and selling opportunities – with just a little bit of knowledge, you could make all the difference when it comes time to invest!
If you own or are looking to purchase an investment property, pre-paying your interest can be a great way to save money at tax time. You’ve probably heard this tip before, but do you know how it works and why it’s so beneficial? Let’s look at the ins and outs of pre-paying your interest on investment properties.
From exchanging documents to paying deposits to applying for a mortgage, understanding key dates and timelines is essential in making sure all aspects of your real estate settlement are handled correctly. This article will provide an overview of the property settlement process.
Refinancing a home loan can be a great way to save money on your mortgage. It’s important to find the right refinancing option for your needs, and understand any costs that may be associated with refinancing.
Large numbers of borrowers will soon be coming to the end of their fixed-rate period, with Commonwealth Bank alone revealing that $44 billion of fixed loans will expire this year, according to Canstar.
The big four banks have forecast that the Reserve Bank will begin lifting official interest rates from June. If and when that happens, lenders will almost certainly increase their home loan rates.
There is more to investing than just purchasing a block of land. Every city and suburb has unique factors contributing to supply and demand. So it is vital to understand who is living in the area, what makes them stay for the long term, and the average rental yield and vacancy rates.
The Reserve Bank has said it will increase the cash rate at some point. When that happens, banks generally pass the rise over to consumers who experience a mortgage rate rise. So what can you do to prepare?
Property Gearing can be a confusing topic....
There is more to purchasing a property than just...
Buying a property is usually one of the most...
The use of buy-now-pay-later services has surged in recent years, more than doubling between 2018 and 2021, according to Roy Morgan. Meanwhile, credit cards are also used by a lot of Australians.
Australia’s banking regulator, APRA, has introduced new lending rules that will reduce the maximum amount some people can borrow.
Refinancing your home loan for either an investment or owner-occupier property, is one of the most common options to access your equity or free up additional funds as you grow your property portfolio.
A range of lenders now offer special loans for borrowers who want to finance home improvements such as:
Installing solar panels
Installing water tanks
Adding insulation
Adding double glazing to the windows
Doing renovations to make the home more energy-efficient
The most common mistake investors make is failing to declare all their property income, including capital gains from selling an investment property, according to the ATO.
This is a great time to be a property investor, with tenants being forced to fight hard for rental properties, according to new data from SQM Research.
