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

By | 2018-08-15T04:20:43+00:00 August 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. Unlike [...]

How guarantees work

By | 2017-09-24T12:44:12+00:00 October 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 | 2017-09-24T12:44:13+00:00 August 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 [...]