In the past few months we’ve seen the major banks and other lenders make further changes in lending policy to investors. This effects loan application procedure. This was in response to calls made from the Australian Prudential Regulatory Authority (APRA) in an effort to curtail speculative housing investment. Add to this some fluctuations in the global financial markets, an election both here and in the US, Brexit, the usual misinformation in the media about the Australian housing market and we find ourselves in uncertain times. However, one person’s uncertain times, are another’s opportunity seized so we thought it would be …

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