Mortgage Experts Blog

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 >

2012 Sydney house price & interest rate predictions

Marty McDonald - Wednesday, January 11, 2012

It's that time again...with the new year upon us it's time to get out my crystal ball and make a prediction for the Sydney housing market for 2012 as well as provide a snapshot of what other property forecasters are saying. I also throw in my two cents worth on interest rates. Read more >

Why risk insurance and mortgages go hand in hand

Marty McDonald - Monday, October 31, 2011

Over the years I have had a few clients fall seriously ill and as a result fall into serious arrears on their loans. This has made me realise just how important it is to have that sometimes uncomfortable discussion about risk insurance when you are about to take on a mortgage. I like so many of my clients are guilty of not always taking this seriously enough but the stats don't lie you have a very good chance of something terrible happening to you or your partner in your working lives. On that basis I wanted to introduce McIntyre Financial Advisory whom I am now referring all my Sydney based clients to for a pre loan settlement insurance health check. The firms principal Angus Dockrill has kindly written a few words more words about risk insurance below. Read more >

An "Offset Account" and how to use it to your advantage

Marty McDonald - Friday, August 26, 2011

An offset account can be a great tool that can be used by both home and investment loan borrowers. From saving interest on your home and paying off your home sooner to tax planning for investors an offset account is truly a powerful tool if used correctly. Read more >

Best Home Loan Discounts

Marty McDonald - Wednesday, August 03, 2011

At present there are incredible never been seen before home loans discounts on offer from a wide range of lenders. Competition between lenders is really heating up. Here’s what home loan discounts and rates we can source for you at present (most of these offers are not published by the lenders). Read more >

Savings and Loans - how it can affect your home loan chances

Marty McDonald - Friday, July 08, 2011

Another factor that lenders look at when considering you for a loan is your net asset position i.e. the difference between your assets, savings and loans. Read more >

Exit fees are officially banned

Marty McDonald - Friday, June 24, 2011

The proposed legislation to ban home loan exit fees was officially passed by the senate yesterday (23/06/2011). There were 35 senators for and 35 against the ban, with the deciding vote going to Senator Fielding who voted in favour of the ban.  It will now become law from the 1st of July 2011.  Read more >

Home Loan Fees

Marty McDonald - Monday, June 20, 2011

What are the most common home loan fees and how much are they? While every lender is slightly different and has different names for their fees I have summarised the most common home loan fees payable by borrowers below.  Read more >

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