Buy Four Properties On One $100K Income
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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bookmarkTags: Borrowing power, Investment Strategy, Investors, rent
Your Borrowing Power Has Gone Down – Here’s Why
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...
Read morefolderCategory: Borrowing Power, Buffer Rate, cash rate, News, Property Market
bookmarkTags: Borrowing power, buffer rate, cash rate, Serviceability
How The New Stage 3 Tax Cuts Boost Your Borrowing Power
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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bookmarkTags: Borrowing power, tax cut
Experts Predict Property Trends For 2024
As we step into 2024, the team at homeloanexperts.com.au 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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bookmarkTags: Australian property market, First home buyers tips, Investor trends 2024, Property market 2024
APRA’s 3% Buffer And What It Means For You
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
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
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
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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bookmarkTags: High net worth
Why Chinese Investors Choose Home Loan Experts
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...
Read morefolderCategory: Chinese investors, Expat home loan, Hong Kong investors, Investment Loans, Non resident home loan, Overseas Borrowers
bookmarkTags: Chinese home loan, Chinese investors, Expat home loan, Foreign buyer, Home Loan In Cantonese, Home Loan In Mandarin, Hong Kong home loan, Hong Kong investors, Non resident mortgage
Simplify Your Home Buying Process With The 360° Home Loan Assessor
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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bookmarkTags: 360° Home Loan Assessor, Mortgage Tool