Mortgage Experts Blog

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!

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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 >

3 ways parents can assist their kids into the property market. Gift, loan and guarantee

Marty McDonald - Thursday, November 17, 2016
With escalating property values in our capital cities especially here in Sydney we are seeing parents helping their children in far greater numbers than ever before. Read more >

Whats needed to get started?

Marty McDonald - Wednesday, November 09, 2016
If you are ready to take action, you will need to compile this list of essential documents for review: Read more >

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 >

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 >

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Lex Luther Enterprises Pty Ltd (ABN 58114636949) trading as “Mortgage Experts” is an Authorised Credit Representative (444479) of Martin Warren Thomas McDonald, Australian Credit Licence (391230) under s64(1) of the National Consumer Protection Act 2009.