What is special about a ‘portable loan’?
Most lenders offer portability with their home loans, but what does that actually mean? If your loan is portable it means you can change...
What's your best rate?
That old pearler. The thing is, that’s what everyone wants to know, I get it, but the answer is – “I don’t know, who are you & what do...
Genuine Savings...time to save!
Genuine Savings: Genuine savings are a requirement where we are borrowing more than 90% of the value of the house and simply put it means...
Capital Gains tax in a nutshell - and why it's not all bad news
The number one reason I hear for not investing in property is “I don’t want to pay capital gains tax”, so I want to explain a little more...
LVR - Loan to Value Ratio
Loan to Value Ratio (LVR): The percentage of the value of the property that you propose to borrow. Why is this important? Well if you are...
Interest only loans
Interest-Only Loan: Under an interest-only loan, usually the borrower makes no principal repayments. The repayments are for the amount of...
Passing on the right advice to your kids
I’m not sure if it’s a throw back to a proper European upbringing or just new Australian etiquette but Australians are both afraid of...
Equity...the bit of property you own!
Equity: The value which an owner has in an asset over and above the debt against it. Eg the difference between the value of a property...
Solo women are savvy in property
If you’re female and thinking about going solo in a property purchase, you are in excellent company. It could be the type of client I...
What is a Deposit Bond?
What is a Deposit bond? A deposit bond replaces the deposit you are required to pay when the home you are buying is “exchanged” (that is,...
