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refinance a loan

When should I refinance a loan?

Once of the hottest topics in the mortgage industry at the moment when you should refinance a loan. Lenders are giving customers between $2,000-4,000 simply to bring their business across. The market is aggressive out there and refinancing is something you may be considring, but is it right for you? What does it mean to refinance a loan? This is when you take your mortgage to another lender usually to obtain a better rate or restructure of your loan. Here are my key tips on when the right time to refinance: If you have had your loan for 2 years …

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women

Fewer than half of all women working full-time

The fact that the gender pay gap exists but doesn’t really seem to be changing is thankfully in the spotlight more than ever over recent decades. Plus, new research is being produced regularly that highlights the income disparity between men and women throughout their working lives. This is one of the main reasons why I truly believe that women need to forge their own financial paths via strategic property investment, because many will struggle to achieve the same lifetime earnings as their male counterparts – even if they are at the top of their careers it seems.  Women Earning less …

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buying a property together

Buying a property with a family member or friend

Guest Blog – Tina Howes – SmartMove In more recent years, as property has become more expensive, buying a property with another party other than your partner or spouse has become more common as a way of pooling deposits and getting in to the market sooner but doing so is not without its complexities or potential downfalls.  I have summarised the key points to be aware of before entering into this type of arrangement.  Loan application Both purchasers will be assessed for their ability to afford the loan jointly. If you are both on the title on the property, you …

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property portfolio

Don’t let Media Hype derail your property portfolio

All those people with an agenda and in need of airtime are fighting it out to be the ones with the largest and loudest crystal ball. Remember them? Unfortunately, negative media hype can easily scare you away from building your property portfolio. As the Covid pandemic was taking hold back in 2020 we were being told that property prices would plunge 30% … many, many people put off buying property, fearful of what was to come. And what happened? Almost the exact opposite with stellar capital growth in so many property markets. Those that didn’t buy gave themselves a good …

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Buying a Property in a Trust

Buying a Property in a Trust – Make Sure You Know These Key Points

Guest Blog – Tina Howes – SmartMove Buying a property in a trust – is it common? Not really, but it is something we see from time to time. More often than not, it’s from my self-employed clients that have received advice from their accountants or financial advisors to do so. Typically this advice is given to professionals who have a genuine risk to being sued as part of their livelihood (e.g., Doctors and Lawyers).  Key points for buying a property in a trust Putting aside any tax benefits or risk protection reasons, I will outline below what it means …

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poverty investing

Relationship breakdown pushing women into poverty 

New research out recently makes for very sober reading for any woman who is concerned about her financial future.Research from From Partnered to Single: Financial Security Over a Lifetime, by the Melbourne Institute: Applied Economic & Social Research, has found that when a heterosexual relationship breaks down, women are at a much higher risk of falling into poverty than men – especially if they have children to care for. The research by Dr Barbara Broadway and Professor Guyonne Kalb from the University of Melbourne found that a woman’s household income decreased on average by thirty per cent after a breakup, …

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interest rate rises

Are interest rate rises keeping you up at night?

Guest Blog – Tina Howes – SmartMove Let’s put interest rate rises into perspective:  I keep saying this but when the banks assess your loan they add 3.00% on top of the actual rate. Some banks even more. We have only seen 0.90% of an increase across May and June with a further 1.00% forecast. While this is not a nice thought, we knew this was coming and there is still some fat in there for before we see the full 3.00%.  If you took out a loan before the pandemic, chances are your owner-occupied interest rate was in excess …

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borrowing capacity

Should I buy Owner Occupied or Investment First?

Guest Blog – Tina Howes – Smartmove Recently I’ve been approached by some clients that are sitting on large cash deposits and are wanting to buy an owner-occupied property and an investment. Due to reduced income currently (one had a baby on maternity leave, the other hasn’t yet returned to work since having children but is looking to go back in 3 months) they are wanting to buy the investment property first. While this seems like a good idea, I wanted to share my views as to why I would generally advise against this:  The process would normally involve completing …

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rental properties

Where have all the rental properties gone?

It was only a little over two years ago that the shuttering of our international borders was seemingly going to see our rental markets flooded with empty rental properties.  Sure, for a short period, inner-city unit stock in Sydney and Melbourne bore the brunt of the pandemic; but everywhere else started to experience the opposite. Rental vacancy rates had been falling for several years before the pandemic. Actually, their downward trajectory was already well entrenched before 2020. So, where have all the rental properties gone when our population has flat-lined? There is no definite answer to this question. But, it …

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investment property

Should your next investment property be a house or a unit?

If you’ve been thinking about your next investment property, you’re likely considering a house or a unit. A question we receive often at Adviseable is, what are the differences between these two, and is one better than the other? While it is a fair question, let’s unpack the difference between houses and units and investigate them further. The property you invest in could reflect what is currently available in the market and how much you have budgeted for that particular investment. However, don’t forget that the main idea of investing is getting the right amount of return for your dollar. …

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election result for women

What will the election results mean for women?

The election result is in, and we’re glad it’s over! I don’t know about you, but at myself and the Adviseable team are very pleased that the election results are in and Federal Election is now over! While the impact on property markets didn’t seem to be as pronounced as during previous campaigns, the endless policy launches and general “one-up-man-ship” does get a little tiresome as the weeks drag on. Most polls had pointed to a change in government – although they did last time, too, and were wrong – but generally speaking I don’t think many people are surprised …

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Female Investor

The Great Wealth Transfer Is Under Way

What is the great wealth transfer? New research has found that the great wealth transfer is under way and it will be women and not men who will hold the most wealth in the years ahead. Of course, I would hope this was because of the skyrocketing numbers of female investors – and that day will hopefully arrive – but the reason for this shifting financial balance of power is simply due to longevity. That is, by 2025, it is estimated that women will hold 60 per cent of Britain’s wealth, having inherited most of it from their deceased spouses, …

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Retired couple celebrating

How much do you need for your retirement?

How are your finances stacking up for your retirement? Can the average Australian build a retirement ready property portfolio? Will your retirement nest-egg be enough to provide you with the lifestyle you expect? How big will your asset base need to be, for you to be retiring comfortably? What is realistic and achievable? We have crunched the numbers to put together a guide to creating a ‘comfortable’ passive income in retirement by using the leverage available to you through property investment. Facts about retirement in Australia ASIC and MoneySmart suggest the average Australian couple will need around $64,000 a year …

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rental properties

Critical undersupply of rental properties to persist

Rental Properties around Australia New data released recently has confirmed the critical undersupply of rental properties around the nation. According to SQM Research, the national residential rental vacancy hit just one per cent in March – the lowest level in 16 years. The last time the national vacancy rate was this low, “Kevin07” wasn’t even a thing yet! To understand what this metric really means it’s vital to know that the equilibrium point of supply and demand in the rental market is generally considered to be three per cent. This means that a vacancy rate of one per cent is …

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How to negotiate on a property

In such a high-value market – when investors are often making their very biggest purchasing decisions – understanding the key factors around how to negotiate when purchasing property, in order to secure the very best deal, is critical Getting your head around these key considerations to ensure you get the right property at the right price can mean the difference between great success and real failure as a property investor. And of course, when dealing with such large amounts of money, understanding how to negotiate on a property to help secure the right price at the right time can mean …

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Property listings remain tight but demand is easing… in some places

Without question, most property markets in 2021 were absolutely bonkers! The constrained supply of for sale listings, alongside the huge numbers of buyers keen to transact, meant that there was heated (and many times overheated) competition for properties. Some of the prices that people were paying were absurd and will likely wind up being a pain in their financial backsides in years to come. However, we were still able to purchase properties for our clients that fit their investment briefs as well as their budgets because we’ve been doing so for years and years. Alas, some buyers opted to work …

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Single Keys to Home

A helping hand for single parents dreaming of home ownership

The Federal Budget has been and gone for another year, with cost-of-living pressures rightly a significant concern. But this year’s budget was a little like a spendathon given that the Federal Election is due to be called any day now. A temporary cut to the fuel excise will assist every one of us when we’re at the bowsers, given you don’t get much change (if any at all) from $100 to fill up your petrol tank at the moment. There was also the announcement of a one-off $250 cash handout to Centrelink recipients, which is clearly a nice thing to …

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Adviseable value your investment property

How to value Your Investment Property

Have you ever wondered what the real value of your investment property was and if you paid too much for it? Perhaps you’ve felt a bit of ‘buyer’s remorse’ creep in after a property purchase, especially if your offer was accepted quicker than you expected or maybe you feel like you paid too much for it in a rampant hot market? But you knew the true value of your investment property before buying it, didn’t you? Well, if you were doing everything on your own and maybe looking at the wrong data (or asking the wrong people), chances are you …

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5 affordable rentvesting locations revealed

Many women are getting divorced, with a lot indicating they have decided that they want to spend the next few decades concentrating on themselves. There are plenty of women out there who have a few decades left in their working lives, but also ample opportunity to improve their financial futures through strategic property investment.

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