About Gerry Bosco

Gerry has worked in various roles within Finance & Banking ranging from Branch Management, Business Development and Sales roles with Banks and Non-Conforming Lenders. The 30 years of experience gained in banking has provided Gerry with a thorough understanding of the complex world of finance enabling him to assist clients in Sydney requiring help with complex lending requirements.

Businesses using Vehicle Fleet Finance

By |2019-12-04T13:48:24+00:00April 1st, 2019|Uncategorized|

When it comes to financing your fleet vehicles, each business has unique circumstances which mean that different finance products can make sense. Each finance structure available has different benefits, through either ownership benefits, taxation considerations or risk management. Here’s some of the main finance options available: Finance Lease A finance lease transfers the risk of [...]

Bridging Loans Explained

By |2019-12-04T13:49:56+00:00December 11th, 2018|Bridging Loans|

This comprehensive guide is here to help you understand how bridging loans work in Australia. To get free advice on whether bridging finance is right for you and the best products available - contact the Bridging loan expert Gerry Bosco on 1300 739 161 or email info@aplsfinance.com.au  A bridging loan is a loan facility which [...]

Understanding Non-Bank Lenders & How they Can Push Your Portfolio Further

By |2019-12-04T13:51:50+00:00August 15th, 2018|Lending Structure|

 What are Non-Bank Lenders? A non-bank lender is a financial institution that offers home loans and other types of loans, but which doesn’t hold a banking licence. Some of the better known ones are Liberty Financial, Pepper Money, Virgin Money, Bluestone & La Trobe Financial to name a few. Australia has many non-bank lenders. [...]

How are my Living Expenses calculated – Household Expenditure Measure

By |2020-07-24T12:23:11+00:00May 29th, 2018|Uncategorized|

This Article is written by Gerry Bosco, one of Australia's leading mortgage brokers assisting more borrowers get approved in the face of changing lending conditions. Need help with borrowing for your next home or investment? Call Gerry today on 1300 739 161. What are average monthly living expenses? Living expenses play a potentially crucial role [...]

Should I buy a Principal Place of Residence or Investment Property first?

By |2019-12-04T13:54:52+00:00September 5th, 2017|Property Investing|

A common question for first time investors is what is better – to buy their principal place of residence (PPOR), or an investment property (IP) first? The crux behind this question is generally what will help the investor achieve their goals sooner. In determining what is better for your specific circumstances, it’s important to balance [...]

Does rental yield matter when it comes to borrowing capacity?

By |2019-12-04T14:00:18+00:00August 14th, 2017|Property Investing|

With the significant changes in recent history to lender policy resulting in reduced borrowing capacities for investors – investors are now looking for new ways to increase their ability to borrow funds to purchase more property. With this there has been an increasing discussion on rental yields and whether certain yields will help with borrowing [...]

How to grow a large portfolio post APRA

By |2019-12-04T14:01:49+00:00August 12th, 2017|Uncategorized|

APRA (the Australian Prudential Regulatory Authority) has fundamentally changed the ability to investment in property since began proactively enforcing policy changes on banks since April 2015. The regulator has been actively trying to alter how much investment lending banks provide, as well in recent history how much debt in Australia is on interest only terms. [...]

Commercial Stamp duty Reduction for South Australia – July 2017 onwards

By |2019-06-20T02:23:21+00:00July 2nd, 2017|Commercial|

As part of rolling changes to help the SA economy, the second stage of business/investment reforms has come through this financial year with commercial stamp duty being reduced to a third of the normal rate of duty. Come the start of the new financial year in 2018 this will become fully abolished – opening an [...]

How guarantees work

By |2019-12-04T14:02:50+00:00October 14th, 2016|Lending Structure|

With housing affordability and the difficulty to enter the property market becoming a greater focus for first home buyers and investors – the topic of guarantor loans is now coming to the forefront as a solution. Guarantor home loans allow people to buy properties without the major hurdle – saving their deposit – bringing forward [...]

Property Researching Tools

By |2019-05-05T02:57:28+00:00September 15th, 2016|Research|

Below is a list of commonly used websites for research and analysis of properties and property investment within Australia. Property Listing Websites (Residential) https://www.realestate.com.au/ - Primary listing website for Residential property in Australia https://www.domain.com.au/ - Second largest residential listing website for Commercial property https://www.allhomes.com.au/ - Formerly independent listing website with strong presence in ACT property [...]