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 | 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 | 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...
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 | 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...
