Three cheers for ING direct passing on the full 0.25% pa rate cut announced by the RBA this week – the Big 4, despite their combined strength have failed to do so passing only 0.2% with the exception of ANZ who cleverly delay their announcement to get out of the media spotlight!

Would you like to pay off your mortgage 10- 15 years faster? Would you like to save hundreds of thousands in interest? Would you like to pay less tax? Would you like to earn extra tax free income? Would you like to own multiple investment properties? You could achieve all of this with ZERO out […]

A truly fantastic article explaining the cash benefits of New vs Old Property – A Comparison of the Depreciation Deductions. We strongly recommend all investors consider the benefits of depreciation in their investment decisions. It’s not impossible for a negatively geared property to become “cashflow positive” and depreciation, unlike other deductions, doesn’t really cost you […]

I have been asked many times why borrowers are so much better off using a mortgage broker than going directly to the bank; the answer is simple, do you want the loan that suits you best – or the bank? That’s a bit flippant, there is more to the question but it’s a good start! […]

REFINANCE: Competition between lenders and recent interest rate reductions means that if your home loan is more than 2 years old you could be paying too much. Traditional bricks and mortar are returning to favour with rents increasing and relatively low interest rates compared to the last 2 years. Given the changing real estate environment, […]