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Parental guarantees. What are they? Why would we use one? What are the pros and cons? What are the risks associated? So let’s look at it. Basically, what is it? It’s a parental Guarantee forming additional security over the home that you’re about to purchase, so, Mum or Dad or both, will offer their home […]
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So, I wanted to talk to you today about the difference between a fixed and variable loan and why we would make a choice on one or the other. So a fixed loan means that I might fix it in for a period of time on my home loan, 4%, it might be fixed for […]
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Hi everyone, today I wanted to talk to you about what to do in your 30s. Now I’m using this phase or I’m calling this phase the ‘keeping up with the Joneses’ phase. I think we come out of our 20’s really cash-heavy or not, we may have started investing or not, we may have […]
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Okay, off the plan apartments good bad or ugly? Let’s talk about it today and the factors to consider, before you pull the trigger on such a purchase. So, number one is finance. You’re committing to and signing off on a purchase for that apartment long before you’ve got finance approval. Because it’s not built […]
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Okay, do we need a Property Manger or can we manage that ourselves? Pretty firm on my opinion on this. I use a property manger 100% of the time and I’ll give you some reasons why. Number one, it’s their expertise. They’ve been doing it for years hopefully, so they know what they’re doing much […]
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Okay, so we get a lot of questions that come in saying “How can I help my kids financially?”. Well the easy option is to hand them $50,000, give them a house deposit, you’re on your way, wrong. I don’t think that’s the answer for long-term wealth, the answer is educate your kids, have a […]
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So, you’re about to buy your next property or indeed your first one. It’s an exciting time, what insurances do you need to have in place before the dust settles on that property. Right, how do they benefit you is the most important part of that. So you definitely need landlords insurance and you definitely […]
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OK, so interest only versus principal and interest, which one do I choose, let’s nut this out. Six factors that we need to take into account. Interest Rate. Next Play. Is it an investment property? What is your age? What’s your cash flow? And do we have a mortgage on our own property is the […]
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So I find two things stop people from buying property. One is lack of cash or deposit and two is their risk profile around stepping outside and making that transaction. So I wanted to chat to you today about borrowing capacity or having the ability to look appealing to the banks so that they’ll lend […]
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Okay one bank, remain loyal or go to a mortgage broker and look across 20, 30, 40 different lenders. Right 20-30 years ago absolutely it was sit down have a coffee with your branch manager and feel nice and fuzzy and warm and and renew your loan with them, or get extra money out or […]
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