Mortgage Broker in Sunshine Coast, Sippy Downs, Noosa Heads and surrounding suburbs
Finding and submitting an application for the right home loan is the end result, but understanding finance and how you can make money work for you is my focus. Understanding and managing debt is a struggle for most and yet it can be the easy with the right attitude born of knowledge and understanding of finance.
We are conditioned to view the most expensive item as being the one with the biggest price tag, but with finance this is usually turned upside down. Your most expensive loan is not always the loan you pay the most into, but it is always the loan that grows the fastest. Knowing how to manage your loans in conjunction with your overall finances is a key aspect to maintaining financial health and acquiring wealth.
Many enter the home loan market with little or no knowledge of what debt is or how to make it work for them to assist in creating wealth. Understanding the roles of the many types of debt and how they affect our ability to attain the great Australian dream of home ownership is essential.
Self Managed Superannuation Funds
Many are deciding to take control of their own future through Self Managed Super Funds (SMSF).
A well planned investment loan can make property investment a much smoother process. Investment loans vary depending on what you are looking to achieve, and can be either very simple (like your standard home loan), or something more complex that helps you to make effective use of tax, gearing and repayments.
Like me, you are one of many Australians who enjoy the freedom of working for yourself. But being self-employed often means our time is too precious to be spent walking into banks or surfing the internet looking for a home loan to meet our needs.
How I can help your clients during this time of uncertainty
In the midst of all of this uncertainty and chaos, I wanted to share that my business is covid-capable, and isolation-enabled. That is to say, it’s business-as-usual and if your clients need me, I am here.
Is March a buyer’s month? To delay or act, that is the question
I’ve read plenty over the years about the “best time to sell” for homeowners in Australia, and that got me thinking. When’s the best time for buyers? When is the market less competitive on the bidder-front? When are prices likely to be more affordable? And how much does supply of real estate stock play a part? Is there such a thing as a buyer’s month? Turns out there is. And it’s probably now.
We’re starting later, it’s costing more - is the property dream unreachable in 2020?
Once upon a time, let’s call it the 80s, the average Australian would buy their first home at the age of 24. Here we are, three decades later, and buying property doesn’t occur until we’re 35. Why is that? Is it thanks to the price of housing in our popular cities, and the militant discipline required to save a gigantic deposit? Or is it that we’ve decided to ‘live a little’ in our twenties, choosing renting and share-housing over striving to attain our first property asset? And is property still the asset class it used to be? Let’s discuss.