Property Finance Strategies - Investment Strategies

• Why banks care where you eat (and how often)

  Our bank statements reveal a spending pattern that is unique to us as individuals, presenting an open book for loan assessors. With lenders ramping up their loan assessment policies, how can borrowers shore up their applications to put their best foot forward? Nina Cuturic reports read more

• How your property could make you up to $60,000 upfront

  Like your job, your tenant probably pays you monthly. But imagine if you could choose to be paid the bulk of your rent upfront every three, six or 12 months? read more

• Property deposit: Can it be saved in 12 months?

  There are a number of strategies an investor can tap into when planning to dive swiftly into their first, or next, property purchase. Amassing a deposit is often one of the biggest challenges – but can it be cobbled together in as little as 12 months? read more

• 5 facts about LMI all investors should know

  Lenders’ mortgage insurance offers perks for both lenders and investors – protection on one side, and greater freedom to buy on the other. But what are the crucial things investors need to know about this insurance, which they pay for but actually covers the lender? read more

• Switching Back to Principal and Interest

  When a loan moves from interest-only to principal and interest, borrowers are forced to pay up to 40% more in repayments. For investors who are about to see their loan repayments soar, what are the options? read more

• Refinancing can save you thousands

  Lending restrictions may be creating hurdles for investors financially, but that’s no reason to forfeit the idea of refinancing. You may be able to access significantly better rates, better terms, or an interest-only loan. Jacqueline So shows you how read more

• When you should (and shouldn’t) refinance your home

  Switching your home loan, either to a new lender or with your existing lender, could potentially save you big money with lower interest rates and fees. It could also cost you more. Here’s a breakdown of when you should vs. when you shouldn’t refinance your home. read more

• The near prime mortgage crisis: How did we get here?

  Nothing has negatively changed with regard to your income, your debts, your liabilities or your job. In fact, if anything, your financial situation may have improved – but as the mortgage crisis deepens, securing a property loan is harder than ever. So how did we get here? And, more importantly, is the crisis here to stay in 2019? read more

• Are non-banks the answer for investors?

  Many are forecasting that that investors will be increasingly looking outside the big four banks for finance read more