Mortgage Broker

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What the 2019 Australian Budget Means for Property Investors

By |2019-04-09T08:34:56+08:00April 9th, 2019|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Capital Gains Tax, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Property Investment|

The 2019 Australian Federal Budget has just been released last week, and it has left Australian property investors with a range of items to be smiling about. With a Federal election, just around the corner

What To Do When The Bank Says No

By |2019-03-12T08:08:43+08:00March 12th, 2019|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages|

The last few years have been particularly difficult for Australian expats and residents alike in obtaining financing, particularly for Australian property investors. With many Australian expats in particular being declined by their bank, or finding

FX & Your Australian Property Deposit

By |2019-03-05T07:37:45+08:00March 5th, 2019|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Foreign Exchange, Mortgage Broker|

As Australian expats, many of us fall into a trap of becoming foreign exchange (FX) ‘traders’ and ‘experts’, creating multi-currency bank accounts and expecting that we’ll be able to generate outstanding returns by taking advantage

How to Teach Your Kids the Value of Money

By |2019-02-19T07:42:40+08:00February 19th, 2019|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Budgeting, Family, Finance, Investment Savvy Mortgage Broker, Loans, Mortgage Broker|

Let’s face it – financial literacy in our communities is appalling, and our education systems are not moving fast enough to drive meaningful change in this area. Our children are leaving school with valuable life

What Does The Royal Commission Mean For Me

By |2019-02-13T08:25:04+08:00February 13th, 2019|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgage Review, Mortgages|

The Hayne report was handed down and released to the public on Monday afternoon of last week. Very few expected that brokers would bear the brunt of the sweeping recommendations made by Hayne, and that

Can Australian Expats Still Get a Home Loan?

By |2019-01-30T08:02:21+08:00January 30th, 2019|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, First Home Buyers, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages, Property Investment|

We are often asked by Australian across the globe one very common question – “I’m an Australian expat, can I still get a home loan or investment property loan in Australia..? With all of the

Help! My Interest-Only Loan Period is Ending

By |2018-12-16T08:47:50+08:00December 5th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Finance, Financial Year, Mortgage Broker, Mortgages|

There has been a great deal of media coverage about the alarming number of interest-only loans in the market place as well as the fear that many mortgage holders may face difficulty making repayments if

Top 8 Questions to Ask Your Lender

By |2018-11-27T09:00:44+08:00November 27th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgage Review, Mortgages|

Whether you’re an Australian expat looking to purchase an investment property back home, or you’re an Australian resident looking to buy your first home, there is a lot you need to know about the features

Proposed Negative Gearing Changes SIMPLIFIED

By |2018-11-20T08:39:19+08:00November 20th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Capital Gains Tax, Gearing, Mortgage Broker|

It is likely that we will see a federal election called in Australia within the next 12 months, and the Australian Labor Party has proposed some significant changes to the current negative gearing rules. With

Australia’s Most Affordable Capital City

By |2018-11-07T07:29:31+08:00November 7th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Home Loan, Home Loans, Mortgage Broker|

In a recent report, Australia has been found to be one of the least affordable countries for people to buy property across the globe. The Grattan Institute study also suggested that more homes be built

7 Ways a Mortgage Broker Can Help You

By |2018-10-30T07:58:58+08:00October 30th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Mortgage Broker, Mortgages, Refinance|

A common question that we often come across is this: “Why should I use a mortgage broker instead of my local bank..?” There are many answers to the question depending on your own circumstances and

Main Residence Exemption Update for Aussie Expats

By |2018-10-25T08:05:24+08:00October 25th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Capital Gains Tax, Mortgage Broker|

Tuesday 16th October 2018 was marked as the day that Australian expat property owners across the globe would finally discover whether the changes to the Main Residence Exemption would be passed. In positive news for

What You Need to Know About Construction Loans

By |2018-10-16T07:26:30+08:00October 16th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Construction Loan, Mortgage Broker, Mortgages|

A construction loan could help you build the home of your dreams, or expand your investment property portfolio, and in Australia there is no shortage of choice. In this week’s article we’ll explain everything you

Break Costs – What You Need To Know

By |2018-09-27T10:02:11+08:00September 27th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Interest Rates, Mortgage Broker, Mortgages|

A break cost is a penalty that is payable by customers who close down a fixed-rate home loan before its expiry. It’s important to recognise that this break cost is only payable on fixed interest

Loan Strategies for Expecting Parents

By |2018-09-11T08:18:34+08:00September 11th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Mortgage Broker, Mortgage Review, Mortgages|

If you’re an expecting parent with a little one on the way, firstly congratulations! We know it can be an incredibly exciting and emotional time for parents-to-be, and even daunting when you’re figuring out how

Which Debt Should I Pay Off First

By |2018-08-28T08:35:46+08:00August 28th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Loans, Mortgage Broker, Mortgages|

Debt can be an incredibly powerful tool when understood and managed properly. One of the common questions we’re asked by our clients is, “which of my debts should I be paying off first..?”. It’s not

Loan Types for Aussie Expats

By |2018-07-11T07:58:38+08:00July 11th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Loans, Mortgage Broker, Mortgages|

We are constantly bombarded by news headlines and myths that spread like wildfire when it comes to borrowing as an Australian expat. Whether you’re seeking to buy your future home, purchase your first investment property

Should Aussie Expats Buy Property in Trust

By |2018-07-03T08:19:33+08:00July 3rd, 2018|Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Mortgage Broker, Mortgages|

One of the most common questions our Aussie expat clients ask us is whether or not they should buy an investment property inside a Trust instead of in their own name. This week we look

Gearing Strategies for Australian Expats

By |2018-05-09T07:50:53+08:00May 9th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loans, Interest Rates, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages, Tax|

When it comes to designing your Australian property investment and gearing strategy, one of the key elements that you need to consider is the overall cash flow. Are you looking for your property investment to

How Often Should I Review My Mortgage?

By |2018-04-17T07:39:47+08:00April 17th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgage Review|

One of the few certainties in life is uncertainty, and this certainly applies when it comes to your mortgage and personal finances. By burying your head in the sand, or simply assuming that once you’ve

How To Avoid Debt Pollution

By |2018-04-03T06:49:52+08:00April 3rd, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Finance, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages|

One of the most important elements of getting your own loan structuring right is to avoid debt pollution. Simply put, this occurs when the purpose of your debt is not clear from a tax perspective

What Are Successful Property Investors Doing That You’re Not

By |2018-03-22T18:18:47+08:00March 21st, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker|

The richest 1% of our population owns over half of the world’s wealth, and much of these fortunes has been derived from smart and successful property investments. Thanks to the Forbes Rich List we can

CASE STUDY – Aussie Expat Refinance & Purchase

By |2018-03-22T18:26:33+08:00March 16th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Mortgage Broker, Mortgages|

In this week’s blog we wanted to share a case study to highlight a typical client of ours’ and how we were able to help. We have changed the names and personal details of our

Is a Rate Rise Likely In Australia..?

By |2018-03-22T18:27:02+08:00February 27th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Home Loans, Interest Rates, Mortgage Broker, Mortgages|

The Governor of the Reserve Bank of Australia (RBA), Dr Philip Lowe, has confirmed that an interest rate hike would be unlikely in the short term, with inflation unlikely to hit the desired target of

How To Improve Your Credit Score

By |2018-03-22T18:27:57+08:00February 6th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Credit Score, Home Loan, Home Loans, Mortgage Broker, Mortgages|

If you’re been trying to refinance, secure a new loan or even a credit card and been unsuccessful, chances are this may be due to your credit score. Let’s start with the basics of what

Why Aussie Expats Should Seek a Pre-Approval

By |2018-03-22T18:28:02+08:00January 30th, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker|

A pre-approval on your home loan can be a valuable step in the process of purchasing your own home or investment property. This means that you can attend an auction or submit an offer on

New Year’s Resolutions To Slash Your Mortgage

By |2018-03-22T18:28:08+08:00January 22nd, 2018|Aussie Expats, Australian Expat Mortgages, Australian Expats, Finance, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages, Property Investment|

2017 has passed and we’ve survived a full year of Trump, Australia entered the 21st century and allowed same-sex couples to marry and North Korea continues to add tension with the threat of a nuclear

How a Mortgage Broker Can Save You Time

By |2018-03-22T18:28:15+08:00December 4th, 2017|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages|

“Your greatest resource is your time” - Brian Tracy You’ve found your dream home or your new investment property and now it’s time to arrange the finance. While it’s generally not the most exciting step

Multi-Currency Loans – Dangers for Aussie Expats

By |2018-03-22T18:28:24+08:00November 21st, 2017|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Home Loan, Home Loans, Mortgage Broker, Mortgages|

You’ve packed your bags, bought your airline tickets, and prepared the family for your relocation to Singapore to join the approximately 1.2 million other Aussie Expats around the world. All of a sudden you’re now

Pay Off Your Home Loan Faster

By |2018-03-22T18:28:30+08:00November 11th, 2017|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Finance, Home Loan, Interest Rates, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages|

While home ownership rates in Australia have declined over recent years as prices have risen, particularly in Sydney and Melbourne, there are still approximately 60+% that own their own home, with 31% owning their own

Top 5 Mistakes Aussie Expats Make With Finance

By |2018-03-22T18:29:12+08:00October 9th, 2017|Aussie Expats, Australian Expat Mortgages, Australian Expats, Australian Expats in Singapore, Finance, Home Loans, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages|

“Never invest in a business you can’t understand” - Warren Buffett The same words of wisdom apply to any asset class, and as Australian expats one of the most widely understood (or at least perceived

Top Tips for Going Guarantor

By |2018-03-22T18:29:18+08:00October 3rd, 2017|Aussie Expats, Australian Expats, Australian Expats in Singapore, First Home Buyers, Home Loans, Mortgage Broker|

As it becomes increasingly difficult for Australian expats and younger professionals to borrow money in Australia, many are turning to parents and other family members for support. One common strategy is for the parents to

Lenders Pulling Out Of Investment Loans

By |2018-03-22T18:29:24+08:00September 6th, 2017|Aussie Expats, Australian Expats, Australian Expats in Singapore, Interest Rates, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages, Property Investment|

Heritage Bank has just announced that they will no longer be offering investment property loans for both Australian residents and Australian expats. This is due to the fact that they would breach APRA’s lending growth

Refinancing – When to Consider It

By |2018-03-22T18:29:30+08:00August 28th, 2017|Aussie Expats, Australian Expats, Australian Expats in Singapore, Finance, Interest Rates, Investment Savvy Mortgage Broker, Mortgage Broker, Mortgages, Refinance|

With the Reserve Bank of Australia (RBA) keeping cash rates at record lows throughout 2017, it may be wise to consider reviewing your home or investment property loans. Below we’ve highlighted some of the more

Property Loans 101 – Australian Expat Edition

By |2018-03-22T18:29:37+08:00August 24th, 2017|Aussie Expats, Australian Expats, Australian Expats in Singapore, Finance, Interest Rates, Investment Savvy Mortgage Broker, Loans, Mortgage Broker, Property Investment|

Whether you’re looking to buy your first home or investment property, securing the financing can often be a time-consuming task. Add to this the element of living and working offshore as an Australian expat, and

Property Valuations vs Appraisals – Different?

By |2018-03-22T18:29:43+08:00August 14th, 2017|Aussie Expats, Australian Expats, Australian Expats in Singapore, Finance, Home Loans, Interest Rates, Loans, Mortgage Broker, Mortgages, Property Investment|

As a current or aspiring property investor, it’s important to be aware of the key differences between property valuations and appraisals. If you’re in the property market, chances are you’ve heard these terms discussed before.

RBA August 2017 Decision Update

By |2018-03-22T18:30:32+08:00August 8th, 2017|Australian Expats, Finance, Home Loans, Interest Rates, Mortgage Broker, Mortgages, Property Investment|

The Reserve Bank of Australia (RBA) met this month and decided to keep rates on hold at the historically record low rate of 1.5%. What is this decision based on and what does this mean

Property Financing for Australian Expats

By |2018-03-22T18:30:58+08:00July 31st, 2017|Australian Expats, Finance, Interest Rates, Loans, Mortgage Broker, Mortgages, Property Investment|

If you’re currently an Australian expat living and working abroad, we have good news! It’s still possible to secure attractive financing for your investment property back home in Australia. Whether you’re looking to invest, refinance

From Little Things Big Savings Grow

By |2018-03-22T18:31:25+08:00June 27th, 2017|Australian Expats, Finance, First Home Buyers, Home Loans, Mortgage Broker, Mortgages, Property Investment|

“Great things are done by a series of small things brought together.” Vincent Van Gogh “Millionaire tells millennials: if you want a house, stop buying avocado” – The Guardian “How can Gen Y actually get

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