Mortgage Experts Blog

Home Loans on Maternity Leave

Marty McDonald - Thursday, December 17, 2015

It is common for new mums to take a period of time off to care for their newborn. At this time couples are also considering their future and often want to upsize into a home more suitable for a family.  Read more >

Top 5 things to avoid when choosing an investment property

Marty McDonald - Thursday, December 03, 2015

Not all streets are created equal - finding the sweet spot for capital growth.

Marty McDonald - Thursday, November 19, 2015
As investors we are generally very focused on the growth prospects of a city, region and the individual suburbs that are in prime position to increase in value. Read more >

How to best access your equity & the Investing in the post APRA environment.

Marty McDonald - Thursday, November 05, 2015
From a lending point of view there are really only two things property investors need to keep investing successfully. Equity to leverage off and the capacity to prove serviceability to lenders so you can keep using their money to invest.  Read more >

Everything you need to know about Bridging Loans

Marty McDonald - Monday, November 02, 2015
Many home buyers encounter an unpleasant scenario where their dream home is found but their current property has not been put on the market yet. Or it is on the market but buying now would mean they have to accept a low price for their current home so that they can marry up the two settlement dates not to mention it puts them in a stressful position. While many may see limited options in this situation, utilising a bringing loan can allow the home buyer to act quickly and confidently, purchasing their perfect house before the current one is sold and in most cases capitalising on the situation. A bridging loan allows home buyers to upgrade properties in a seamless manner. You won’t need to co-ordinate settlement dates or find temporary housing and will be ready to buy from the moment you enter the highly competitive housing market. Read more >

New Mortgage Insurer sees Cheaper LMI Premiums

Marty McDonald - Thursday, October 22, 2015

Earlier this year one of Australia’s big 4 banks ended their long-term mortgage insurance partnerships with both the major LMI providers (Genworth Financial and QBE) and struck a deal with a new overseas based player. This is relevant because it is bringing some long needed competition back to the LMI market. Finally. Read more >

Top 5 most common investment loan mistakes

Marty McDonald - Wednesday, October 21, 2015

Top 5 most common investment loan mistakes or problems that individuals face. Investment properties are a learning process filled with hiccups that help us make better decisions in the future. At least if you follow our advice regarding these 5 mistakes, you'll be able to get it right the first time.  Read more >

Investment loan rate changes APRA

Marty McDonald - Wednesday, October 07, 2015

As of December 2014, to curb investor borrowing the Australian Prudential Regulation Authority (APRA) encouraged the major banks and other deposit taking institutions to de-risk their lending books by making changes to lending standards mainly around investment loans. At that time APRA recommended banks restrict property investment loan growth to 10% or less in a year. However the response from the banks was initially largely ineffective. That said it was against the back drop of a very heated Sydney and Melbourne property market.  Read more >

Self Managed Super Fund Loan Structure (SMSF Loan structure)

Marty McDonald - Wednesday, July 31, 2013
Most people have heard of self managed super funds (SMSF’s) and many people are aware that SMSF’s can borrow money to purchase property. There is still considerable confusion around how this works and if indeed it’s worth the complexity. In this blog post I will outline the basics of SMSF lending, the mechanics of how these borrowing arrangements are set up as well as some of the pros and cons with this investment strategy.  Read more >

Changes to NSW FHOG & stamp duty concessions - October 2012

Marty McDonald - Tuesday, June 12, 2012

Announced in the 2012- 2013 NSW state budget are some major changes to the first home owners grant (FHOG) and stamp duty concessions for new homes. The changes are designed to promote the building of new dwellings in NSW and come into effect from the 1st of October 2012.  Read more >

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