Buy Four Properties On One $100K Income

personJonathan Preston access_timeMarch 27, 2024

Did you know that if you have a trust, you may be able to use it to increase your borrowing power? How? You can set up an advanced strategy that allows you to exclude debts from serviceability assessments if an accountant can confirm for lenders that a property is positively...

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Your Borrowing Power Has Gone Down – Here’s Why

personOtto Dargan access_timeMarch 20, 2024

Summary Australians see a big drop in borrowing capacity, with a 32.58% decrease since 2020 and an 8.17% fall from last year, largely due to a rising RBA Cash Rate. Select lenders with low buffer rates (down to 2%) offer a glimmer of hope to boost borrowing capacity. A...

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How The New Stage 3 Tax Cuts Boost Your Borrowing Power

personOtto Dargan access_timeJanuary 31, 2024

The Stage 3 Tax Cuts in Australia are expected to impact the borrowing power of individuals, particularly middle-income earners, by potentially increasing their income and borrowing capacity. We did the calculations on how the changes affect your borrowing power. How Your...

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Experts Predict Property Trends For 2024

personOtto Dargan access_timeJanuary 26, 2024

As we step into 2024, the team at is thrilled to share exclusive insights from our property experts and mortgage brokers regarding the property market. In this blog post, we present their takes on emerging trends, challenges and opportunities for buyers,...

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APRA’s 3% Buffer And What It Means For You

personOtto Dargan access_timeDecember 11, 2023

In a recent announcement, the Australian Prudential Regulation Authority (APRA) confirmed the mortgage serviceability buffer remains at 3%, following its annual update on macroprudential policy. What Is the APRA buffer rate? The APRA buffer rate, also known as the serviceability...

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How Mortgage Elves Bring Holiday Magic

personOtto Dargan access_timeDecember 6, 2023

Move over, Santa’s elves! There’s a new crew in town – and they’re not busy crafting toys. They’re the Mortgage Elves, working behind the scenes during this festive season to bring holiday magic to home financing. There are striking similarities between...

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Queensland Doubles First Home Owner Grant To $30,000

personOtto Dargan access_timeNovember 21, 2023

Effective today, eligible first-home buyers in Queensland can get $30,000 as a First Home Owner Grant. This is double the previous grant amount of $15,000. The changes will apply to eligible transactions between 20 November 2023 and 30 June 2025. First home owners are expected...

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Revealing The Investment Strategies Of Wealthy Individuals

personOtto Dargan access_timeNovember 6, 2023

High-net-worth clients, those who’ve achieved financial success, have distinct investment strategies that differentiate them from others. Let’s unveil some of the secrets behind their success and peek into the investment strategies they use to maintain and increase their...

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Why Chinese Investors Choose Home Loan Experts

personOtto Dargan access_timeNovember 1, 2023

Are you a Chinese investor thinking about buying property in Australia? You’re not alone. Recent Treasury data shows that Chinese investors are increasingly interested in Australia’s property market. They spent a record $2.3 billion on residential real estate in the...

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Simplify Your Home Buying Process With The 360° Home Loan Assessor

personOtto Dargan access_timeNovember 1, 2023

Buying a home is a monumental step in anyone’s life; it often comes with a barrage of complexities and confusion. Among the myriad online tools and resources claiming to streamline the process, it’s hard to distinguish the truly valuable ones. That’s where our...

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