To Fix or Not to Fix Your Rates? The 3 Things to Consider Before You Decide to Fix

It’s a common dilemma – do you fix your rates or don’t you? Fixing your rates gives you security that you know what your repayments will be during the fixed rate period. However, it also gives your lender the assurance you will almost certainly remain a client for the full extent of the fixed rate period. Even if you do decide to refinance during a fixed rate period for whatever reason, you will almost certainly end up paying hefty penalties. So your lender will make their money anyway. I’ve seen some people......

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The 5 Fundamental Factors You Must Consider Before Buying an Investment Property

In the 16 years I have been involved with helping people acquire investment property, I’d say the most common question I am asked is, “What do you think is going to happen in the market?” I’ve come to learn this is code for, “What does the future hold?” Unfortunately, my crystal ball broke a long time ago. I don’t know what’s going to happen in the future and neither does anybody else. The problem though is that when you invest in property, you are investing for the future, primarily the future capital......

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The 5 Reasons People Fail When Investing in Property

When it comes to investing in property, many of us know it can be a safe way to secure our financial future and our retirement. Unfortunately, not everyone who chooses to invest in property succeeds. So let’s have a look at the 5 reasons why people fail when investing in property.   1. Buying the Wrong Property for You One thing many people don’t realise is that an investment property that is right for someone else may not be right for you. However if your motivation to buy an investment property is,......

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Thank God, I'm a Property Investor

Ok, so I don’t normally invoke religion when talking about Property Investing. However, give me 4 minutes to explain something fundamental to your financial future! There is an old adage in economics that says, the greater the volatility and risk, the greater the reward. Well, I think that can be thrown out the window. The share market in 2016 has been more volatile and unstable than a crack head looking for his next fix (I love that expression 🙂 ) In fact, the share market has been bouncing around all over the......

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3 Factors That Cause Property Prices to Drop

There’s a lot of talk in the media about prices dropping and the Australian Property market being in a bubble. Well, rather than worry about media hype and headlines, let’s have a look at the 3 factors that cause property prices to drop: Rising interest rates – causing affordability issues. This was a major factor behind the subprime crisis. Thankfully, Australian lending standards are far stricter. Even if you go for a loan from a bank at an interest rate of 4.5% for instance, the lender will often judge your ability to......

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