Mortgage Experts Blog

Buy first, then sell? OR sell first, then buy?

Marty McDonald - Thursday, June 22, 2017

Buy first, then sell? OR sell first, then buy?...... How to plan a move from your existing home to a new home. There are quite a few ways to skin a cat as they say.  Read more >

Case Study: Is co-ownership the solution to cracking the market?

Marty McDonald - Thursday, May 25, 2017

Property co-ownership with parents putting up the bulk of the deposit and the children providing the bulk of the loan servicing can be an innovative and beneficial way for parents to help their children get into the property market without some of the usual pitfalls.
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Case Study: Alternative income verification for Self-employed

Marty McDonald - Wednesday, April 26, 2017
If you’re self-employed, you’ll know banks can make it difficult to borrow money. Depending on the lender and situation, they can ask for multiple years’ tax returns, P&L and balance sheets, depreciation reports, tax assessment notices, ATO portal printouts, BAS statements and often letters from your accountant or other third parties to confirm this and that. All in all it can make applying for a loan difficult. There are also significant variations in how income is assessed from lender to lender, which can have a huge bearing on your borrowing potential.  Read more >

Bubble, bubble boil and trouble?

Marty McDonald - Monday, April 24, 2017
So is Sydney and Melbourne really in a bubble? 
Like most pundits, I believe the rate of increase in Sydney and Melbourne house prices is unlikely to last. However, I really do feel that the talk about bubbles and imminent bursting’s is overstating it.

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Mortgage Experts has partnered with stratton to offer Car finance

Marty McDonald - Thursday, April 06, 2017
Mortgage Experts have partnered with stratton to offer you smarter vehicle finance. We are pleased to announce our recent partnership with stratton. Part of the Carsales network, stratton provide finance for cars, commercial vehicles, boats, business equipment and more to over ten thousand clients each year. Mortgage Experts clients can access the special benefits of:  Read more >

Case Study – Knock down rebuild

Marty McDonald - Monday, March 27, 2017

Have you ever wondered about how people borrow to fund a major renovation or even a complete knock down and rebuild?  Read more >

Will the changes put forward by the Victorian government impact house affordability? And will other states in particular NSW follow suit?

Marty McDonald - Wednesday, March 08, 2017
Housing affordability has been a contentious issue for both federal and state governments in the last two years. The public has put major pressure on government to find a solution for inflated house prices in Sydney and Melbourne which has caused a major decrease in first home ownership. According to the Australian bureau of statistics the number of first home buyers has plummeted in recent years from as high as 39% in 2009 to a lowly 13% in 2016. Note there is some serious contention around the official figures but that is another story and regardless clearly the numbers of first time buyers is down significantly.  Read more >

Case Study: Common Debts with Family Members

Marty McDonald - Wednesday, February 22, 2017
The problem:  Read more >

What's the future for home loan rates in 2017?

Marty McDonald - Thursday, February 09, 2017
Inflation rates have remained stubbornly low, implying the RBA may cut rates further this year. In the past, the official cash rate (OCR) and mortgage rates have risen and fallen in parallel but if there are further OCR cuts will this be passed on to customers by the banks? Read more >

The benefits of Depreciation

Marty McDonald - Tuesday, January 31, 2017
Depreciation is essentially a tax deduction available to all property investors. A property investor is able to claim depreciation on both residential and commercial property, so it does not matter what type of property buyer you are, you are still entitled to claim your share of depreciation!

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