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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
“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
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
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
“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
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
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
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
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
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.
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
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
The 2016/17 financial year is behind us and we now enter the new tax year. A chance to reflect on the financial new year’s resolutions that we set at the start of the year and
“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
