by Nick Rainsford | 8 May 2016 | Business, General, Home loans, Investments, SMSF
Every property boom in living memory has ended badly. This one will be no different. There will be tears…eventually. Please don’t ask me when. If I knew the answer I wouldn’t have my wife staring daggers at me while I push this article out on Mothers Day. For the...
by Nick Rainsford | 1 May 2016 | General, Home loans, Investments, SMSF
The fear of missing out makes people do strange things with their finances. When we tell clients to borrow less, we’re met with incredulous looks. For example, we had a client recently who had a $700k mortgage on a home worth around $1 million in a Sydney...
by Nick Rainsford | 24 Apr 2016 | General, Home loans, Investments, SMSF
In recent weeks we have had a number of inquiries from borrowers in their 60’s. They had been to one (or more) lender(s) and were told that they were too old to borrow against a property and were left dejected. While it’s true that lenders baulk at lending to older...
by Nick Rainsford | 17 Apr 2016 | Business, General, Home loans, Investments, SMSF
Lenders have specials on all the time to attract home loan clients. Guess what, it works. Most people searching for either a new loan or one to refinance their existing loan are drawn like bees to honey when they see the headline rate. A few months ago that went as...
by Nick Rainsford | 10 Apr 2016 | General, Home loans, Investments, SMSF
It may surprise you that many Australian borrowers spend time getting their new home loan established but don’t always spend the time making sure their loan continues to be the right loan for them. It is as easy as a 30 minute consultation with a Mortgage Broker to...
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...
