What is a Home Equity Line of Credit?

By |2020-08-02T07:28:22+00:00June 21st, 2020|Lending Structure|

A home equity line of credit is a line of credit facility specifically used to release equity from a home with available equity. This is a specifically a loan type which is designed for consumers to draw against residential property for personal use or personal investment. Businesses do have similar facilities but these fall under [...]

What is Debt Recycling?

By |2020-03-09T14:17:07+00:00March 9th, 2020|Lending Structure|

Debt recycling is a strategy used by Australians to ‘recycle’ non-deductible personal debt (generally their family homes mortgage) into tax deductible investment debt. This strategy has been commonly used by those looking to pay down their home sooner, invest and build a more tax effective portfolio. What are the benefits of using a debt recycling [...]

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 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 [...]

Cash or Equity for Deposit?

By |2019-12-04T14:04:59+00:00August 30th, 2016|Lending Structure|

For many investors – how they pay for their deposits on investment properties is considered an afterthought, something which will not impact their long term finance or investing strategy. This can leave investors with less effective borrowing structures which can reduce their borrowing capacity and tax effectiveness. The options for how to pay for deposits [...]