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January 13, 2016

What to expect in 2016

It’s the start of a new year, with new opportunities for home ownership and investment. But what does that mean for those looking to enter the market, move on to a new home, or expand their investment portfolio?


The good news is, my outlook’s a positive one.

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December 16, 2015

Nest or invest – what should you do first?

With home prices skyrocketing in recent years, more and more Australian first homebuyers are purchasing an investment property before a home.


Many consider it a more affordable way to get their foot on the property ladder, but should it be the aim for every first homebuyer?

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November 30, 2015

3 questions to ask before fixing your mortgage rates

Many of our clients have contacted us in the last few weeks to enquire about fixing their mortgage interest rates. After a number of major banks began lifting their interest rates for investors, and then raised them again for all home loan customers, this is hardly surprising. No one likes paying more for anything than they have to, least of all their mortgage.

Peter Bozinoski


But before you rush into a fixed-rate loan, there are a few questions you need to ask yourself first…

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October 23, 2015

Should I fix my loan now that rates are rising?

Last week Westpac announced that it’s raising its variable mortgage rates on home loans and, if history repeats itself, and it most likely will, other banks will follow their lead [indeed, Commonwealth Bank announced yesterday that it’s raising its standard variable home loan rate by 0.15 per cent, and Nab has raised its variable home loan rate by 0.17 per cent]. So, is it time to lock in and fix interest rates on some or all of your mortgage loans?


This is a question many property investors and homeowners are asking, so how do you decide what’s right for you? And what do you need to consider to ensure you make an informed decision?

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August 7, 2015

What the APRA changes mean for property investors

There have been some mighty big changes going on in the world of property finance over the last month or so, some of the most significant and fastest occurring changes I’ve come across – and they will affect property investors to some degree.


To help you better understand what they may mean to you as a property investor, let’s do a Q&A.

What’s happened?

In short, the Australian Prudential Regulation Authority (APRA) has introduced directives aimed at curbing investor borrowing. The reason behind APRA’s involvement is the significant growth of lending to property investors, particularly in Australia’s two largest capitals property markets – Melbourne and Sydney.

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July 3, 2015

7 ways to bleed the banks dry

Recently there’s been a lot of talk about banks changing the goal posts, making it harder for property investors to get loans. In fact, there’s nothing new about this.


I remember not that long ago, in the years following the GFC, banks responded by removing many lending products from the market and tightening the reigns on lending policies.

While this can be frustrating for investors who are battling stringent requirements to finance their next purchase, there are several ways the astute investor can break through the lending ceiling.

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May 27, 2015

Why banks reject finance

The rate cuts Australia’s currently experiencing are having a huge effect on what people are able to borrow. It’s especially good for first homebuyers and investors who may be able to buy properties now that they couldn’t afford six months ago with higher interest rates.


However, just because you can borrow more doesn’t necessarily mean the bank will approve your loan application.

There are many reasons your loan may be refused. A lender may turn down a loan application even if the financial side of the loan stacks up.
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May 27, 2010

How to pay off your mortgage faster

As we all know, the quicker you repay your home loan, the more equity is built up, which can be used to fund the expansion of your investment property portfolio. It’s not as difficult as people may think.


It’s about taking little bites and continuing to chew, all the while thinking about the end goal. Why let negativity cloud the satisfaction of getting closer to owning a property outright and having a good amount

of equity at your disposal?


Did you know that if a fairly average new home loan borrower – someone with a $281,400 home loan at 7.1 per cent over 30 years – contributed an extra $100 every month to their mortgage from day one they would save well over $70,000 in interest plus almost four and a half years off their loan term?

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