by Nick Rainsford | 12 Sep 2016 | General, Home loans, Investments, SMSF
A few weeks ago I heard a wonderful expression to describe people that are always negative. The speaker at a seminar I attended was comparing those negative people in Australia to those crossing borders whilst fleeing war torn countries and yet remained hopeful and...
by Nick Rainsford | 5 Sep 2016 | Business, General, Home loans, Investments, SMSF
We at Thyme Financial are often astounded when clients tell us they had banked with a particular institution for decades and now in their late sixties they are met with bad service, products that are irrelevant or a loan rejection. That rejection may be for an...
by Nick Rainsford | 29 Aug 2016 | General, Home loans, Investments, SMSF
Be careful what you wish for… All of us love a bargain. It’s irresistible. Why pay the rack rate for something when you can get it for a quarter of the retail price. Those that have travelled to the US and frequented their outlet malls will know what I mean. So it is...
by Nick Rainsford | 22 Aug 2016 | General, Home loans, Investments, SMSF
A few weeks ago, after attending a property seminar, one of our clients contacted us and asked us to assess his borrowing capacity for an additional investment loan. By way of background, we had procured loans for this client of $1.6M in February this year. Nothing...
by Nick Rainsford | 15 Aug 2016 | Business, General, Home loans, Investments, Leasing, SMSF
As a former banker, I have a soft spot for Australian banks. I have worked for a couple of them. What I have always failed to understand is why people continue to use these banks despite their strong personal feelings opposing them. Let me explain. Many of us have a...
by Nick Rainsford | 8 Aug 2016 | Business, General, Home loans, Investments, SMSF, Uncategorized
Like most people, I thought that the 0.25% interest rate cut announced by the RBA at 2:30pm last Tuesday was a good thing. Until I sat back and thought about it. You see, as a mortgage broker, anything that stimulates the property market or refinancing of existing...
