Mortgage Experts Blog

How to best access your equity & the Investing in the post APRA environment.

Marty McDonald - Thursday, November 05, 2015
From a lending point of view there are really only two things property investors need to keep investing successfully. Equity to leverage off and the capacity to prove serviceability to lenders so you can keep using their money to invest.  Read more >

Everything you need to know about Bridging Loans

Marty McDonald - Monday, November 02, 2015
Many home buyers encounter an unpleasant scenario where their dream home is found but their current property has not been put on the market yet. Or it is on the market but buying now would mean they have to accept a low price for their current home so that they can marry up the two settlement dates not to mention it puts them in a stressful position. While many may see limited options in this situation, utilising a bringing loan can allow the home buyer to act quickly and confidently, purchasing their perfect house before the current one is sold and in most cases capitalising on the situation. A bridging loan allows home buyers to upgrade properties in a seamless manner. You won’t need to co-ordinate settlement dates or find temporary housing and will be ready to buy from the moment you enter the highly competitive housing market. Read more >

New Mortgage Insurer sees Cheaper LMI Premiums

Marty McDonald - Thursday, October 22, 2015

Earlier this year one of Australia’s big 4 banks ended their long-term mortgage insurance partnerships with both the major LMI providers (Genworth Financial and QBE) and struck a deal with a new overseas based player. This is relevant because it is bringing some long needed competition back to the LMI market. Finally. Read more >

Top 5 most common investment loan mistakes

Marty McDonald - Wednesday, October 21, 2015

Top 5 most common investment loan mistakes or problems that individuals face. Investment properties are a learning process filled with hiccups that help us make better decisions in the future. At least if you follow our advice regarding these 5 mistakes, you'll be able to get it right the first time.  Read more >

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 >

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
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    "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
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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.