by Nick Rainsford | 4 Apr 2016 | Business, General, Home loans, Investments, Leasing, SMSF, Uncategorized
As more than 50% of home loans are now placed through brokers, it’s interesting to reflect on the pros and cons of each channel. In previous articles I had already mentioned some of these but they bear repeating here. Let me cut to the conclusion. Every financial...
by Nick Rainsford | 21 Mar 2016 | Business, General, Home loans, Investments, Leasing, SMSF
You may have read in the press recently what I have been banging on about since Nick and I started this business. If not, you can read about it here. The article in the smh – which is around 9 months late – states that APRA’s actions have successfully reined in the...
by Nick Rainsford | 22 Feb 2016 | Business, General, Home loans, Investments, Leasing, SMSF
Let’s say you’re looking for a home loan. Sure, you can Google home loans and you’ll be inundated with a choice of literally dozens of loans. You can walk into a branch of your bank and ask for a loan and they’ll be only too happy to help. You can ask a friend that...
by Nick Rainsford | 18 Jan 2016 | Business, General, Home loans, Investments, Leasing, SMSF
In past articles I have written about how banks have been forced to become more conservative in their residential property lending. They have generally done this by reducing LVR’s tightening servicing requirements, increasing living expenses and using price as a way...
by Nick Rainsford | 22 Nov 2015 | Business, General, Home loans, Leasing
When we first purchase a home we breathe a sigh of relief. After a while though (and perhaps a pay rise or two later) we start thinking about our second largest asset. Ours car. Before I get onto cars, let’s briefly delve into a few facts that may or may not apply to...
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...
