by Nick Rainsford | 15 Jul 2018 | General, Home loans, Investments, SMSF
Our local area in Sydney’s upper North Shore has a very large elderly demographic. I’m talking a disproportionate number of people over eighty. I’ve been known to refer to the suburb as Club-Med for the dead. Almost on a daily basis I encounter strange behaviour from...
by Nick Rainsford | 10 Sep 2017 | Business, General, Home loans, Investments, SMSF
It’s difficult to admit but we all lie at one time or another. Mostly we lie so as not to offend with the usual “don’t you look nice?” whilst trying not to wear our true feelings on our faces. Sometimes we lie to our kids to protect them from torment or unnecessary...
by Nick Rainsford | 20 Feb 2017 | General, Home loans, Investments, SMSF, Uncategorized
People often ask Nick and I about how to prepare themselves and/or their kids for taking out a home loan. Obviously, everyone’s financial circumstances are different but, this week, I thought I would compile a short list of the lessons our clients have learned and...
by Nick Rainsford | 6 Feb 2017 | Business, General, Home loans, Investments, Leasing, SMSF, Uncategorized
There is a worrying trend amongst some homeowners to use their family homes (usually their most significant – if not only – asset) like a large debit card. Why borrow more? In some circumstances this is perfectly acceptable. If you have a low LVR or, better still, no...
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...
