Mortgage Experts Blog

Case Study: Family trust with company trustee at normal home loan rates with offset.

Marty McDonald - Thursday, October 20, 2016
A trust is an arrangement which allows a person to own assets on behalf of another person, family or group of people. Many mortgage brokers, bank employees / lending managers and bank staff in  general struggle with these loans, especially if there is corporate trustee involved which there normally is. Read more >

Investment property cash flow report

Marty McDonald - Friday, October 14, 2016

Please complete the questionnaire at the bottom of page if you would like a complimentary (but comprehensive) investment property cash flow analysis. The report is a great tool to evaluate the true holding costs of a potential investment property. It's a must for anyone considering an investment property purchase.  Read more >

Case study: Can I get a home loan while on maternity leave?

Marty McDonald - Wednesday, August 31, 2016

Trying to get a home loan and being on maternity often creates an unexpected barrier at just the time families are looking to upgrade to a bigger home.  Some lenders are stuck in the dark ages when it comes to maternity leave and income assessment. Many will flat out refuse to include a new mums paid maternity income and will not consider her return to work income even though the date of return may be documented by her employer. Their logic is how do we know that the mother will return to work? Credit policy clearly written by a middle aged man more than 20 years ago! Read more >

Loans for over 55's: how does my age affect the terms of my loan?

Marty McDonald - Wednesday, August 31, 2016

Can home loan borrowers over 55 years of age qualify for a standard home loan with standard length repayment terms of 25 or 30 years? Yes, and No, read on for more. Read more >

Case study: Small scale development finance (5 or less dwellings)

Marty McDonald - Tuesday, July 12, 2016

When it comes to finance for small scale development or unit blocks on one title most lenders will deem it a commercial transaction if there are more than 2 or 3 dwellings involved. This is regardless of whether the property will be subdivided, strata titled or whether they will remain on the same title. Read more >

Labor | negative gearing | CGT

Marty McDonald - Friday, July 08, 2016

The breakdown: Labor’s Property Policy. Housing policy is certainly a contentious issue amongst Australians. With the 2016 election result still unknown (at time of writing) but with the likelihood of Labor eventually getting in to power in the next few years (this is how it usually works right!) I thought it would be useful to properly explore their policies to understand how they may affect you as an investor or a prospective investor. Read more >

Case Study: Multiple investment loans refinanced to save $10,000 pa !!

Marty McDonald - Wednesday, June 01, 2016

Multiple investment loans refinanced to significantly more competitive rates. Saved over $10,000 pa Read more >

Strategies for Managing a Temporary Reduced Income

Marty McDonald - Friday, May 06, 2016

Many families will experience a period of reduced income. This is for reasons such as maternity leave, long service leave and extended holidays. A savvy home owner plans ahead to ensure they can continue to make mortgage repayments without a cash flow crisis! Being informed about your options rather then just winging it is the answer. In my latest blog I discuss practical ways to get through these times. Read more >

How to choose an Investment Property without getting burnt

Marty McDonald - Tuesday, April 05, 2016
How to maximise your chances of choosing a good investment property (and minimise the chances of being burnt). Check out my guide below.  Read more >

What do I do if my income is outside base or usual income?

Marty McDonald - Wednesday, March 09, 2016
Following the latest APRA requirements, many banks have introduced policy changes to their net surplus calculators. These changes see a tightening on what types of income is accepted when applying for a loan. With certain banks, different incomes such as commission, overtime, shift penalties and bonuses are only accepted 50% as a common practice or not at all. However particular lenders still accept up to 100% of this unusual income. Policies can be quite strict but working with an expert that knows them inside out can insure that you get the best set-up for your specific situation and income type. 
Commission   Read more >

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