API Blog :: Have your say!

February 4, 2013

Make this the year you take the plunge


If you’ve come to the conclusion that property investing is the best vehicle to deliver you long-term wealth and financial freedom, then do it. Just do it. Now is the time to stop procrastinating, stop making excuses and start investing.

BY JAMIE MOORE

Time and time again we hear from people who’ve spent so much time, energy and often money on educating themselves about the intricacies of property investing. That’s fantastic, but many folks then fail to act upon it.

Read more →

November 14, 2012

Negative or positive gearing – which is best?


There’s no right or wrong answer to the increasingly pertinent negative versus positive gearing question. What works for one investor may not work for the next. It all comes down to individual goals, tolerance to risk and ability to service debt.

BY JAMIE MOORE

The general and often controversial argument is that negatively geared properties typically achieve higher capital growth but lower yields, while positively geared properties usually experience lower capital growth but higher rent returns.
Read more →

July 9, 2012

Accessing equity when you don’t need it


Time and again, I receive the frantic phone call from a client who has found a property, had their offer accepted and needs to arrange finance in a hurry. This is usually not an issue – except when they also needs to access equity in another property to get the deal done.

BY JAMIE MOORE

In a perfect world, we’d have already accessed equity for the client so they had the funds available to them to cover the deposit. This saves a lot of time and stress.

Read more →

June 12, 2012

A 20 per cent deposit is not always a good idea


You’ve saved a 20 per cent deposit and have enough funds to cover the purchase costs, so you’re ready to venture out and buy your first property. This might sound crazy, but have you considered the downside of using all of your hard-earned cash on the deposit?

BY JAMIE MOORE

Most people believe it’s in their best interest to put their money towards a 20 per cent deposit on their first property. That way, they figure, they can avoid paying lenders’ mortgage insurance (LMI).

Read more →

April 23, 2012

Your first home or an investment?


A question I’m often asked is whether people should buy an owner-occupied property first or an investment property. What most don’t realise is that it might be possible to do both. A client could purchase a property that needs a cosmetic renovation, add value to it and then leverage into the world of investing.

BY JAMIE MOORE

Accessing this newly created equity means they could fund a deposit and costs on their first investment purchase. With this strategy, the client also gets to take advantage of government bonuses like the First Home Owners Grant (FHOG) and stamp duty concessions.

Read more →

March 15, 2012

How to improve your borrowing capacity


There’s little doubt banks have tightened their lending criteria in recent times. It can be frustrating for those looking to get into the market and for investors who struggle to source finance for their next deal. Here are some ways investors can increase their borrowing capacity.

BY JAMIE MOORE

Remove/reduce credit card debts

Many borrowers don’t realise the bank takes their entire credit card limit into consideration when assessing their borrowing capacity. Therefore, if you have a large limit, which isn’t being utilised, consider reducing it to a lower limit. If you have credit cards that you don’t use consider getting rid of them.

Read more →

March 8, 2012

Interest only or principal and interest?


A question we’re always asked is “should I be paying interest only or principal and interest on my loans?”

BY JAMIE MOORE

When it comes to claiming an investment loan as a deduction – only the interest portion of the loan is tax deductible, the principal portion is not.

Read more →

Subscribe to API eNewsletter