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Borrowing

Learning the language of property investment

The language of property investment

Becoming proficient in property investment is like learning a foreign language, but you can master it, says Kate Hill. In this podcast Bushy Martin digs into Kate’s personal journey. Like marathon runners and migrants from other countries, the traits that separate those that achieve sustainable success in property are those that demonstrate the qualities of curiosity, embracing change and continuous learning, embracing mistakes as learning opportunities not failures, and demonstrating the patience, persistence and resilience to overcome obstacles and last the distance through dogged determination and daily discipline.  If you’ve enjoyed this video then you might like to subscribe to […]

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1% club

Join the 1% club

Would you like to join the 1% club? That is, the 1% of property investors in Australia who own five or more investment properties? So many property investors start out with plans to build an investment portfolio, but then stop after just one or two properties. Join Adviseable’s Kate Hill and Hotspotting’s (www.hotspotting.com.au) Terry Ryder as they discuss why so often property investors who plan to hold a lot of properties stop after just one or two, and how you can overcome those hurdles to join that elusive 1%. If you’ve enjoyed this video then you might like to subscribe

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Why Melbourne makes more sense than Perth

Why Melbourne makes more sense than Perth

Most property investors are herd animals, diving into markets when they read that prices have risen 15% or 20% in the past year – or 50% in the past three years. Buying in such a market means you are likely buying at – or after – the peak of the market. The smart money would have been there 2-3 years ago – and is now focused on places that are early in the growth cycle. That’s why Melbourne makes more sense than Perth for property investors seeking to buy strategically for capital growth. The Melbourne market, in simple terms, is

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Negative Gearing

Negative gearing

If there was ever a political football that gets thrown around every election cycle, it’s negative gearing. Join Adviseable’s Kate Hill and Hotspotting’s Terry Ryder as they discuss the in’s and out’s of negative gearing, and why it is a policy that governments should be embracing, not arguing about. If you’ve enjoyed this video then you might like to subscribe to our YouTube channel, or browse through our latest videos. If you’d like entirely independent and unbiased advice that’s right for your unique situation and goals, then get in touch with us today. Read the transcript I’m Kate Hill from Adviseable, and

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borrow money

Is it still possible to borrow money in 2024?

In recent times, borrowing money has become increasingly challenging, posing significant hurdles for individuals and businesses alike. In the dynamic landscape of Australia’s property market, aspiring homeowners face mounting challenges when seeking to secure financing for their property purchases.  The current economic climate, characterized by a confluence of factors, has significantly tightened the borrowing environment, making it increasingly difficult to obtain loans for property acquisition. One prominent reason contributing to this difficulty is the evolving macroeconomic conditions, including tightening monetary policy and surging inflation, which has prompted lenders to exercise greater caution. Additionally, the reduced tolerance for risk among central banks,

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living frugally

Living Frugally and Saving Money

We are living in a time of rising interest rates and the news is full of stats and figures about inflation and the rising cost of living.  Living frugally is one of the most effective ways to save money and build wealth. Frugality is a way of life that involves being intentional and mindful about how we spend our money. It means being conscious of our spending habits and making choices that prioritize long-term financial goals over short-term wants. Sometimes we don’t even have a choice.  So here are some practical tips on how to live more frugally and save

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refinancing

Refinancing your loan and other news

Guest Blog | Tina Howes | Aria Financial 2023 has taken off with a bang for me. A brand new business- Aria Financial, a new aggregator, new systems and a few other new things. Watch this space. “What you can’t afford to do at the moment is to try find your own lender who may be the cheapest but takes 4 weeks to assess your application” As a broker, I’m feeling more needed than ever. With so much uncertainty around, you need to deal with someone who you trust and who can give you some certainty in this environment, especially

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gender pay gap

Record low unemployment, but the gender pay gap remains

The official unemployment rate remained at a record low of 3.5 per cent in December, according to official data – the lowest rate for some 50 years! So, we have record low unemployment and a drastic skills shortage, but it appears that these factors are not improving the gender pay gap at all – indeed it has come to a halt. In fact, according to the Workplace Gender Equality Agency (WGEA), progress to close the gender pay gap between Australian women and men has stalled for the first time in 2022. The gender pay gap during the 2022 financial year

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refinance a loan

When should I refinance a loan?

Guest Blog – Tina Howes – SmartMove   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

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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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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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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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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 Australian property crash

Will interest only loans trigger the Australian Property Crash?

You’ve probably noticed that many commentators in the media are convinced that there will definitely be an Australian property crash. There have also been a few suggested catalysts for this terrible eventuality. Recently, Interest only loans have been in the spotlight as ASIC has voiced concerns on the quantity of these loans being originated through mortgage brokers. It is implied that brokers are wilfully putting borrowers at risk and the fear is that there could be an Australian property crash, similar to the calamitous events in the USA ten years ago. So, let’s look at two big questions here: Why

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Adviseable australian housing crash

Will $500 billion in ‘Liar Loans’ trigger the Australian Housing Crisis?

A recent survey conducted by Investment Bank UBS has led to fears that a mortgage meltdown could trigger an Australian Housing Crisis. UBS have concluded that out of the 900 loans that were used in the survey, 67% were factually incorrect, therefore resulting in an estimated $500 billion in ‘liar loans’. UBS then went on to state that “the level of liar loans meant the impact on the broader economy from a housing downturn was likely to be more severe than anticipated by the banks”. The most common inaccuracies were overstating income and understating living expenses, the survey found. This

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