Understanding Non-Bank Lenders & How they Can Push Your Portfolio Further
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 [...]
How are my Living Expenses calculated in 2018 – The New Standard (HEM)
What are living expenses? Living expenses play a potentially crucial role in a lender’s servicing calculator. They are generally one part of the serviceability calculator that cannot really be reduced past a minimum floor, but [...]
Should I buy a Principal Place of Residence or Investment Property first?
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 [...]
Does rental yield matter when it comes to borrowing capacity?
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 [...]
How to grow a large portfolio post APRA
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 [...]
Commercial Stamp duty Reduction for South Australia – July 2017 onwards
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 [...]