Mortgage Experts Blog

Negative gearing, positive gearing and neutral gearing

Marty McDonald - Tuesday, February 01, 2011

Negative gearing, positive gearing and neutral gearing; you hear these phrases often but I think many people don’t really understand what the terms actually mean. I will outline what excatly what those terms mean as well as briefly explaining why some investors choose to buy negatively geared properties. Read more >

The future of Lo Doc loans / responsible lending laws

Marty McDonald - Saturday, November 27, 2010

Having a look a Lo Doc loans today and how they will be affected by the new responsible lending laws that took effect for brokers in July 2010 and will take effect for lenders from January 2011.  Read more >

Lending competition returning

Marty McDonald - Thursday, September 09, 2010

Today I am writing about some significant changes to lenders polices (It seems lenders are back and wanting business). Competition is finally returning to the lending market! Read more >

Borrowing with a trust

Marty McDonald - Friday, August 06, 2010

Borrowing involving a trust. If you ever considered owning real estate through a trust (including through your Self Managed Super Fund) then this may be of interest to you. Off course seek your own advice and don’t rely on this information solely. Trusts are predominately used for asset protection, tax minimisation and succession planning. The main types of trusts used when borrowing are discretionary trusts (family trusts), unit trusts, self managed super fund trusts and to a lesser degree hybrid / property investor trusts. Read more >

Time to fix your interest rate?

Marty McDonald - Friday, July 09, 2010

I will be looking at fixed rate loans today and whether they are worth considering now. There is a link to an article about St.George dropping their 2 year fixed rate appeared in today’s Sydney Morning Herald. Over the last few days we have also had ING and a host of others drop their fixed rates. Read more >

House prices

Marty McDonald - Wednesday, June 09, 2010

My latest thoughts on house prices below prompted by this article in the Sydney Morning Herald yesterday by journalist David Potts.
 Read more >

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