Mortgage Experts Blog

Mortgage Experts has partnered with stratton to offer Car finance

Marty McDonald - Thursday, April 06, 2017
Mortgage Experts have partnered with stratton to offer you smarter vehicle finance. We are pleased to announce our recent partnership with stratton. Part of the Carsales network, stratton provide finance for cars, commercial vehicles, boats, business equipment and more to over ten thousand clients each year. Mortgage Experts clients can access the special benefits of:  Read more >

Case Study – Knock down rebuild

Marty McDonald - Monday, March 27, 2017

Have you ever wondered about how people borrow to fund a major renovation or even a complete knock down and rebuild?  Read more >

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!

 Read more >

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 >

What our clients are saying

    "Marty was fantastic! We swore never to use a broker again after bad experiences with other brokers in the past, and our last loan we negotiated ourselves, however this time we needed a mortgage... " – Blake Millgate
    "It is impossible to exaggerate how highly I rate Mortgage Experts and my experience with Marty McDonald... " – Brendan Arlington
    "Mortgage Experts have provided a fantastic experience in an area that can be complicated and emotional. Marty was always clear and precise and always made time to discuss the matters at hand... " – Brett Parker
    "I was really impressed with Marty's services. He was responsive to emails and calls, considered a range of options, and kept me informed at every stage. He was also very patient... " – Elise Darsow
    "Marty was great to deal with. From initial contact to finding a perfect solution and strategy to our situation to then securing the funding in a tight time frame nothing was too much trouble... " – Nick and Blaise Porter
    "Great service! All the advice I've received in the past has been really helpful. Love the newsletters which keep me updated on developments in the market. Highly recommended! " – Nick Jolly
    "I have used Marty's mortgage brokerage service (Mortgage Experts). He has been professional, resourceful, gone beyond the call of duty in servicing my mortgage. He has been able to... " – Prithvi Moses
    "We’re both really happy to have been able to get this sale across the line and are particularly grateful for you finding us a way to make the finance work! Walking into our new home... " – Sarah Macdonald & Stewart Bovell
    "We found Marty McDonald from Mortgage Experts through a Google search because he had a hugely informative page about family trust loans. Choosing Marty as our broker was a huge blessing... " – Tracey Cools

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