by Nick Rainsford | 13 Jun 2016 | General, Home loans, Investments, SMSF
5 reasons people select a Variable Rate Home Loan You think interest rates will continue to fall. You want to pay off more than your standard repayments. You want a line of credit You want flexibility to repay and redraw at will. You just came off a fixed rate loan...
by Nick Rainsford | 13 Jun 2016 | Business, General, Home loans, Investments, SMSF, Uncategorized
Way back in 1985, the Hawke/Keating government threw the financial markets’ doors open. 16 new banks were licensed and allowed to operate in the Australian market. It was a new era. We should finally get some competition. And we did. That’s a far cry from the...
by Nick Rainsford | 6 Jun 2016 | Business, General, Home loans, Investments, SMSF
We spoke to a wonderful client last week, who had run a substantial business employing hundreds of people. He had been banking with a major Australian Bank for four decades. Now they’re designed to frustrate. He was used to dealing with a decision maker. He’s...
by Nick Rainsford | 29 May 2016 | Business, General, Home loans, Investments, SMSF
This week I was sent an article from an insolvency practitioner and friend with the headline “Research Shows 60% of SMEs are Refused Loans”. You can read the full article here. We also have a couple of home loan applicants that are quite well off who are struggling...
by Nick Rainsford | 22 May 2016 | Business, General, Home loans, Investments, SMSF
Step right up. Around and around it goes where it stops nobody knows.Step right up. Around and around it goes where it stops nobody knows. No more bets. This housing cycle is almost complete – although last week’s auction clearance rates would argue strongly against...
by Nick Rainsford | 15 May 2016 | Business, General, Home loans, Investments
We at Thyme Financial had never received an inquiry from non-resident borrowers for residential property until this week. So you’re a non-resident borrower who, some time ago, put down a deposit for an off-the-plan apartment. The project is coming to completion and...
