12 Sep5 great reasons to consider refinancing

refinanceGetting a mortgage locked in can be a major hurdle when buying a property, whether you’re a home buyer or an investor.

For some, it can be a very anxious time and it’s easy to understand why you might try to avoid the stress of doing it again for as long as you can. However, sticking with the same loan for too long can be a mistake. In this article we talk about some of the benefits of refinancing your mortgage and some of the strategic reasons why you should regularly consider making a switch. READ MORE

12 SepIs RentVesting the Right Strategy for You?

rentinvest-smIt’s likely this is the first time you’ve heard the term ‘Rentvesting’, but it’s likely you’ll hear it more often as the word becomes just as popular as the activity it describes.

Rentvesting is the term used when a home buyer chooses to purchase their first home as an investment, instead of living in it. READ MORE

12 SepFixed vs Variable Interest Rates: Which is the Best Option for You?

bankWith interest rates at an all-time low, many people start wondering is now the right time to fix my loan? Will interest rates continue to drop or will they start to rise?

Let’s face it; interest rates are cyclical. While they might be at historic lows right now, there are always points in the economic cycle when they may start to rise again. The threat of being caught in a series of interest rate hikes is often enough to prompt many home owners to jump over to a fixed loan.

Before you make a decision either way, take some time to weigh up the pros and cons of each option. Here is a quick look at the benefits and disadvantages of both fixed and variable interest rate mortgages: 

11 SepDemystifying the Home Loan Process

houseBefore you head out to hunt for a new family home or investment property, take a bit of time to get your home loan sorted first. If you’re like most people, it can feel as though banks make you jump through hoops to get your mortgage approved. However, there are some quick steps you can follow to make the home loan process easier. READ MORE

10 Sep3 Ways Property Investment Can Build Wealth

moneyProperty can be a fantastic way to build wealth, but there are many different strategies you can use to achieve your goals.

Let’s look at 3 common property investment options. READ MORE

8 SepMaximising Your Depreciation

calculatorIt’s common for many property investors to assume their accountant will automatically claim all of the deductions available for their rental property. However, if your investment property was constructed after 1985, your accountant isn’t allowed to estimate your construction costs.

The tax office identify licensed Quantity Surveyors as being properly qualified to estimate your construction costs, if you don’t already know those costs. READ MORE

7 SepStarting Your Own Business

start-businessTaking the leap into starting your own business can be exciting! You have the opportunity to be your own boss, set your own working schedule, and take responsibility for how your business is run.

However, it’s important to ensure your business is set up and structured correctly so you can hopefully avoid problems later. If you’re thinking about starting your own business, here are some things to work through before you launch: READ MORE

6 SepProperty Investment using Your Self-Managed Super Fund

piggy-bankBuying an investment property using the money in your superannuation is becoming an increasingly popular option with many people. Not only do you have the potential of capital growth on the property’s value, but you also have the advantage of rental income being contributed into your super fund each month.

You might also be able to take advantage of some potentially significant tax advantages by investing in residential property through your SMSF.

It sounds so appealing on the surface, but there are some important things to consider before you jump in at the deep end. READ MORE