Rental Income Shading: What Property Investors Often Miss
Rental Income Shading: What Property Investors Often Miss Many property investors assume that rental income will fully offset the cost of an investment loan. In reality, lenders usually apply a discount to rental income when assessing borrowing capacity. Understanding rental income shading — and what investors often miss — helps explain why borrowing power can […]
How Borrowing Capacity Changes as Your Property Portfolio Grows
How Borrowing Capacity Changes as Your Property Portfolio Grows Many property investors are surprised to learn that borrowing capacity doesn’t increase in a straight line as their portfolio grows. In fact, adding properties can sometimes reduce borrowing power if loans aren’t structured carefully. Understanding how borrowing capacity changes as your property portfolio grows helps investors […]
What Happens on Settlement Day When Buying a Home?
What Happens on Settlement Day When Buying a Home? Settlement day is the final step in the home buying process and the moment ownership officially changes hands. While it’s an exciting milestone, many first home buyers aren’t sure what actually happens on the day or what they need to do. Understanding what happens on settlement […]
How Much Deposit Do First Home Buyers Really Need?
How Much Deposit Do First Home Buyers Really Need? One of the biggest questions first home buyers ask is how much deposit they actually need to buy a home. While many people believe a 20% deposit is mandatory, the reality is more flexible — but comes with important trade-offs. Understanding how much deposit first home […]
Fixed vs Variable Home Loans: The Good, the Bad, and the Ugly
Fixed vs Variable Home Loans: The Good, the Bad, and the Ugly Choosing between a fixed and variable home loan often sounds simpler than it really is. Both options can work extremely well — or create frustration — depending on how they’re used and what life throws at you. Instead of pretending there’s a perfect […]
Considering a Reverse Mortgage? Here’s What You Must Think About First
Considering a Reverse Mortgage? Here’s What You Must Think About First A reverse mortgage can feel like a simple solution — access cash, stay in your home, no repayments. But it’s also one of the biggest long-term financial decisions many people make later in life. That’s why understanding the key considerations before you sign anything […]
Buying an Apartment: Smart Tips & Tricks to Avoid Costly Surprises
Buying an Apartment: Smart Tips & Tricks to Avoid Costly Surprises Apartments can be a great first home — but they come with a few extra moving parts that aren’t always obvious at first glance. These practical tips and tricks can help you look beyond the paint and floorplan, and make a more confident, informed […]
Some benefits of refinancing!
The Hard Benefits of Refinancing Your Home Loan Refinancing your home loan is often talked about in broad terms — “better rates”, “more flexibility”, or “peace of mind”. But when you strip it back, refinancing delivers very real, measurable benefits. These are the outcomes that show up in your bank account, borrowing capacity, and long-term […]
What Is Depreciation?
What Is Depreciation? Depreciation is a term that often comes up when people start learning about property investing, tax, and negative gearing — but it’s not always clearly explained. In simple terms, depreciation is a way of recognising that certain assets lose value over time due to wear and tear. Understanding depreciation helps you see […]
Major First Home Buyer Concessions & Support Options
What First Home Buyer Concessions Are Available in Australia? If you’re buying your first home, there are a few key concessions and schemes that can reduce your upfront costs (or help you buy sooner). The important bit: what you qualify for depends on your state/territory, the property type (new vs established), the price, and whether […]