by Nick Rainsford | 4 Oct 2015 | Business, General, Home loans, SMSF, Uncategorized
It’s amazing what you get used to. What was once abhorrent to us becomes normal. As a young idealist you may have once said that I will never work in a dead-end job. However the realities of life force most of us to compromise those hard and fast ideals and settle for...
by Nick Rainsford | 10 Aug 2015 | Business, General, Home loans, Investments, Leasing, SMSF
Before you get too excited, I mean rejected by your lender. You know, for a commercial loan, lease, investment loan, mortgage…any kind of debt. The current homogeneity of the financial services sector is astonishing. Most lenders – and it’s not only banks – follow the...
by Nick Rainsford | 4 Aug 2015 | General, Home loans, Investments, SMSF
We’ve heard a lot of bad news in recent years. Now the mining boom is over our economy is more normalised. Some of the slack has been taken up by the extraordinary boom in property prices – and so the cycle continues (as my favourite economist, Don Stammer,...
by Nick Rainsford | 2 Aug 2015 | General, Home loans, Investments, SMSF
Let me give away the ending. Because they can and because the Government is allowing them to. The banks have silently reacted to the threat of regulatory capital restrictions (imposed by the Government) by raising interest rates on investment loans. Every investor...
by Nick Rainsford | 27 Jul 2015 | Business, General, Home loans, Investments, Leasing, SMSF
Talking to various people over the past few months has led me to the conclusion that some people over complicate their financial matters. This is unnecessary. How many lenders do you have? An example of this is the number of brokers or lenders they may use for...
by Nick Rainsford | 18 Jul 2015 | Business, General, Home loans, Investments, SMSF, Uncategorized
I know this isn’t a question that keeps you all awake at night but I thought it best to articulate the fact that there is a difference. Firstly, a Finance Broker should be able to do everything that a mortgage broker can do. Same qualification requirements, same...
