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In this eye-opening article, Caroline Riches explores how, amidst soaring property prices nationwide, many homeowners are finding their homes earning more than they do. With PropTrack reporting a significant 6.15% increase in national property prices”a pace not seen since July 2022″homes in certain suburbs are outpacing the average Australian wage in terms of earnings. The analysis leverages PropTrack’sautomated valuation model

Investing in Self-Managed Superannuation Fund (SMSF) properties presents numerous advantages that can amplify your returns. Here are six reasons why incorporating SMSF property investment into your portfolio could be beneficial: Reduced Income Tax Rate at 15%: SMSF properties attract a significantly lower tax rate on rental income compared to personal rates, which can be as high as 45%. This 15%

Enhancing your ability to borrow is a pivotal step towards achieving your home ownership or property investment goals. As a mortgage broker, I play a fundamental role in this journey, providing an essential service by connecting you witha diverse range of lending options. I customize loan solutions based on your unique financial situation and deliver expert guidance throughout the process.

Did you know your borrowing capacity decreases by approximately 4-5 times your credit card limit, not just the balance? For instance, a $10,000 credit card limit could mean your borrowing capacity is reduced by up to $50,000. There’s no need to adjust your credit card limit before our discussion, but it’s a strategy we can explore to enhance your financial

Retire with Ease, Stay in Your Home >> Wondering if you can retire early without selling your home? There may be a way! With a Reverse Mortgage, you can refinance, release equity, and stay in your home. Here’s how it works: take your age and subtract 40 – that’s the maximum % you can borrow in one lump sum or

Discover Secret Listings: Why Off-Market Properties Are a Game-Changer In today’s highly competitive real estate market, finding the perfect property can feel like searching for a needle in a haystack. That’s where off-market properties come into play, offering a unique and often overlooked opportunity forboth home buyers and investors. What are Off-Market Properties? Off-market properties, also known as pocket listings

In an illuminating survey conducted by Reuters in February, insights from 14 esteemed property analysts suggest an optimistic trajectory for Australian property prices over the next two years. The consensus? A projected annual growth rateof 5%. Despite witnessing significant price surges over the past three years, the forecast signals no halt in momentum. The underlying reasons? A mix of economic

Attention Property Investors! Are you pre-approved and ready to buy? I asked an agent for their “best buy” last night, and this is currently available for sale : a $690k 4-bedroom home with a double garage and alfresco area (and more) in Caboolture, just 44km north of Brisbane. The land is registered, and construction can commence immediately, with an estimated

Ever considered the complexities of finding the right mortgage? With over 60 major banks and various lenders in the mix, navigating this landscape requires more than just a keen eye. As a seasoned mortgage broker, I’ve seen firsthand how independent property investments can lead to costly mistakes. Choosing the wrong location, overpaying, or misjudging market trends are common pitfalls. But

Reflecting on a decade of facilitating home, investment, and self-employed loans, one might question: Has the process of purchasing a home become more challenging than it was ten years ago? In assessing borrowing capacity, three primary factors are taken into account: Net Income, the magnitude of your deposit, and the varying policies of lenders. These policies can significantly influence the