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To buy first or to sell first? That is the question, but the answer’s a little more complicated. Bridging finance is a flexible solution, so consider whether it’s right for you. Read through this article from Simeon Manners Mosman and make sure you’re prepared.
http://advice.simeonmanners.com.au/a/crossing-that-bridge-the-buy-sell-conundrum?utm_campaign=Advice%20/%20inside%20edge&utm_content=52032992&utm_medium=social&utm_source=facebook
With lenders moving their home loan rates up last week out of cycle, it’s good to see the RBA didn’t change the cash rate today leaving it at 1.5%. But time is running out … contact me now to take advantage of low home loan rates before they go up again … I’m confident I can get you less than 4% on your home loan.
With home loan rates changing constantly in the market and our low interest rate environment, there’s an opportunity for you to save money on your home loan and invest it or spend it on what you really want. Many of our clients save thousands each year by managing the cost of their most expensive asset and we can all do with a little extra saving. Even if you received a discount on your mortgage a few years ago from your lender, it is most likely it is no longer competitive.
So don’t set and forget… that just costs you money. Let’s have a look at your mortgage and see what it’s doing for you. No obligation and it’s easy to do. Don’t miss out on the opportunity while you can.
Many clients & friends have told us they wanted to see a heart in our logo because of our passion and they love that we care 
So we made it work. After 270 designs here is our new brand ready for our new ventures …
If you have at least 20% equity in your home you can invest in property to build your financial freedom and most likely you need to start now? It’s more achievable than you think. ASFA has estimated the annual cost of a modest standard of living for a couple is $60,000 a year at retirement age 65 and this does not include funding any debt
If you’ve been watching THE BLOCK and feel inspired to renovate your home, with savings you can make on your home loan repayments, I can help you structure your finance so that you have very little extra to pay if you’re inspired to renovate your home. So what are you waiting for, shift that inspiration into your reality 
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As we enjoy the national distraction of Melbourne Cup Day today with 700 million people globally watching the race, the Reserve Bank has decided to leave the cash rate at 1.5%.
With inflation predicted to pick up due to higher business confidence and lenders keeping a lid on the property market through tighter lending restrictions, it’s a balancing act to bring down the A$.
Watch this space for the last opportunity this year for the RBA to reduce rates on 6 Dec 2016. One thing’s for sure, if you didn’t win on the horses today, you can definitely win by saving money on your home loan. DON’T WASTE TIME … let me know if you want to save
Property Investor? Do you know how to structure your new or existing finance so you have control over your assets?
Many property investors believe that their loans are stand-alone and secured by just one of their properties when in fact their loans are secured or cross collateralised with their other properties.
For example; you want to borrow 105% of a property’s purchase price to complete the purchase including costs. Many lenders (or brokers) will offer multiple properties in your portfolio as security for your next purchase. This is called “cross-collateralisation”. As an investor in the majority of situations there is little benefit to you. Just a few of the reasons: the inability to revalue your properties individually to access your equity. Often one property can be valued up and the other down and as they are linked, your net gains may be neutralized as they offset each other. You may also not be able to access your funds when you sell a property. It can also be difficult to change products, lenders and you may have unnecessary fees to pay.
As an investor these considerations are important and need to align with your objectives. We can help you with this. So before you buy, talk to us.
Did you know each lender assesses how much you can borrow differently?
Your borrowing capacity can be affected by your income, family size, location, current debts, type of employment, type of loan and the lender that you choose.
There are various things you can do to improve your borrowing capacity. The most common one is credit cards. If you have unused credit cards … cancel them. A credit card can reduce your borrowing by $000’s. You can always put your cards in credit when you are travelling which will increase your limit if you need it! Check with your lender first.
Choosing the right home loan and lender and knowing their policies is also very important so that you can achieve your objectives to owning that property. This is what I do for you.
The following is an extract from the RBA’s announcement today.
“At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent.
The global economy is continuing to grow, at a lower than average pace. Several advanced economies have recorded improved conditions over the past year, but conditions have become more difficult for a number of emerging market economies. Actions by Chinese policymakers have been supporting growth, but the underlying pace of China’s growth appears to be moderating.
Commodity prices are above recent lows, but this follows very substantial declines over the past couple of years. Australia’s terms of trade remain much lower than they had been in recent years.
Financial markets have continued to function effectively. Funding costs for high-quality borrowers remain low and, globally, monetary policy remains remarkably accommodative.
In Australia, recent data suggest that overall growth is continuing, despite a very large decline in business investment, helped by growth in other areas of domestic demand and exports. Labour market indicators continue to be somewhat mixed, but suggest continued expansion in employment in the near term.
Inflation remains quite low. Given very subdued growth in labour costs and very low cost pressures elsewhere in the world, this is expected to remain the case for some time.
Low interest rates have been supporting domestic demand and the lower exchange rate since 2013 is helping the traded sector. Financial institutions are in a position to lend for worthwhile purposes. These factors are all assisting the economy to make the necessary economic adjustments, though an appreciating exchange rate could complicate this.
Supervisory measures have strengthened lending standards in the housing market. Separately, a number of lenders are also taking a more cautious attitude to lending in certain segments. The best available information suggests that dwelling prices overall have risen moderately over the past year and growth in lending for housing purposes has slowed. Considerable supply of apartments is scheduled to come on stream over the next couple of years, particularly in the eastern capital cities.
Taking account of the available information, and having eased monetary policy at its May and August meetings, the Board judged that holding the stance of policy unchanged at this meeting would be consistent with sustainable growth in the economy and achieving the inflation target over time.”
