Mortgage Experts Blog

Pay your mortgage off faster

Marty McDonald - Wednesday, January 31, 2018
Wouldn’t it be nice to not have a home loan! Read on for Marty’s tips on how to get your mortgage repaid faster. Read more >

Are Your credit card bill’s getting out of control?

Marty McDonald - Thursday, January 18, 2018
Debt consolidation is the act of bringing many debts together into one new debt. This can be beneficial for helping you manage your repayments and have a clearer picture moving forward. If you have equity in your home this can be done by refinancing your mortgage to pay off current debts, shifting the debt into your home loan which usually has a much lower interest rate than unsecured loans and credit cards. Read more >

What’s happening to house prices in Sydney?

Marty McDonald - Thursday, November 23, 2017
I estimate house prices in the $1-$2 million range have fallen from their peak (which was around June 2017) by an estimated 7%. This won’t show in the official figures for so time if at all as the premium end of the market seems to be very strong still.  Read more >

Construction loans for major renovations

Marty McDonald - Wednesday, October 18, 2017

There’s a growing sector of home owners buying cheaper undesirable properties in ideal areas and doing major renovations to create their dream home. They may also do knock down rebuilds that require full construction of a new property. Their many ways you can go about funding these endeavors with equity loans and construction loans both fixed and unfixed being the main avenues of finance. Read more >

Are we finally seeing the effects of APRA’s changes?

Marty McDonald - Tuesday, September 26, 2017
Since 2014 APRA has been progressively tightening the screws on mortgage lending to try and de-risk the banks. I think we are beginning to see the cumulative effects of these changes on the property market. 

By way of summary there have been three distinct moves by APRA. Read more >

Air BnB be and increased rental yeild

Marty McDonald - Thursday, August 24, 2017
In recent years, there has been a rise in property owners giving up traditional tenants in favour of using short term and holiday rental services such as Air BnB and Stayz. If the location is right short-term rentals can provide a significantly higher overall rental yield than traditional long term 6 or 12 months rentals. reports that a three-bedroom house in Sydney could be paid off in just under 7 years using short term rentals as compared to more than 26 years with a traditional tenancy.  Read more >

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.
 Read more >

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.

 Read more >

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