Covering the beach to the Hills including Glandore, Plympton, Glenelg, Glengowrie and surrounding suburbs
I have built three homes myself and I remember how reassuring it feels when the financing is right. I use my experience from more than 18 years in finance and over $300M in settled loans to make sure that you experience that feeling too. Whether you need a simple mortgage for your first home, a construction loan to build your dream home or refinancing for your property portfolio, call me to talk through your options.
Many Australians enjoy the freedom of working for themselves, but being self-employed means time is of the essence, not to mention the challenge of keeping up with the paperwork of running your own business.
For those who wish to acquire investment properties, I have a thorough understanding of investment loan structures and how to maximise your tax benefits where multiple properties are involved.
For a mortgage for your first home, a construction loan or refinancing your portfolio, Phil Couch can find you a deal that suits you
Could a rate cut in October coincide with a turn in the market?
Historically, one of the best barometers for the health of the property market is auction data… So, I asked my colleagues at Australia’s largest real estate company - Ray White - to share their nationwide auction stats looking back at the year that has been. They collect this data every weekend, and over thousands of auction events they measure the clearance rate, number of active bidders, number of onlookers, and a variety of other useful metrics. So what do these findings tell us about where we are in the property cycle?
When is cheaper not necessarily better?
With all the hype around record low interest rates it's easy to get tunnel vision and focus only on the lowest number when choosing a home loan provider, however finding the right loan is about much more than just the best rate. When assessing possible options for home loans, borrowers frequently assume the ones with the lowest possible rates to be the best without being mindful of other considerations such as fees and charges or loan features.
Shares, cash, real estate and record low interest rates.
We’ve not seen interest rates at this level since the 1950s, so what are the opportunities and pitfalls that come with a cash rate at one percent for everyday investors? Low interest rates represent benefits in some investment categories, and hurdles in others. So how do you make low rates work for you? Understanding what avenues are available to invest in, in today’s environment is a topic I constantly discuss with clients and finance industry peers.