Mortgage Experts Blog

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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Make 2017 your year to follow investment dream

Marty McDonald - Tuesday, December 20, 2016
Many people wait for the ‘perfect’ time in their personal life and the economic environment to invest. This can see them waiting too long meaning they’ll miss their opportunity or when they do invest, it’s too late to have a successful strategy.
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Case Study: How to secure and owner occupied rate for an Investment property?

Marty McDonald - Tuesday, December 20, 2016

It’s expected that Investment rates will rise over the next 12 months. For this reason, there’s no better time to consider different options that allow you to secure a much lower rate. Read more >

The 2016 Wrap up: Can it keep going?

Marty McDonald - Thursday, December 15, 2016
While there was a slight decline in prices at the beginning of the year, the Sydney property market will end up with double digit growth again this year. This rise has been attributed to a strong economy, large population growth of around 1,100 new arrivals a week, increased demand from family’s looking to upgrade and the demand from investors chasing capital growth.  Read more >

Case Study: How different banks assess unusual income

Marty McDonald - Tuesday, November 22, 2016

We recently had a client come to us who was seeking a home loan with the scenario that a good degree of his income was from annual bonuses. While a few lenders will not accept bonus income at all the most common policy is lenders require a two-year history at a minimum and then take 80% of the lower year’s figure. This is a prudent approach but in this case it was problematic as this client had only been with his current employer for a little over one year. He had been in the same industry for 20 years and he had always received bonuses like this in the past.  Read more >

3 ways parents can assist their kids into the property market. Gift, loan and guarantee

Marty McDonald - Thursday, November 17, 2016
With escalating property values in our capital cities especially here in Sydney we are seeing parents helping their children in far greater numbers than ever before. Read more >

Whats needed to get started?

Marty McDonald - Wednesday, November 09, 2016
If you are ready to take action, you will need to compile this list of essential documents for review: Read more >

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