Your Local Advantage
My pride in my work comes from the level of service I can provide to you. Because I own my business, when you work with me I know straightaway what we can and cannot do – I don’t have to ask permission from anyone. I take personal responsibility for the service I provide and do my utmost to make you happy.
I cover all of Townsville – and have clients in other parts of Australia and a few overseas – but most of my clients are in Kirwan, Heatley, Thuringowa Central, Cranbrook, Gumlow, Condon, Douglas, Mount Stuart, Mundingburra, Murray, Mysterton and North Ward.
Here are my tips on
Whether you are a First Home buyer or a seasoned Investor purchasing a home is one of those major milestones in your life, but it doesn’t always come without a significant amount of stress or emotion. For some people it is exciting, others find it overwhelming, or even scary.
Whether you are looking at purchasing your first Investment property or your tenth making sure that you have the right structure for your situation is imperative.
Being Self Employed doesn’t mean that you can’t borrow money it just means that some or all of the information the lender will want to see will be a bit different to that of an employed applicant.
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.
The race to the bottom; banks start zealously cutting rates
In the midst of a terrifying and rough summer for much of Australia, it’s odd to reflect on the season that has been for real estate. It’s been a while since the temperature of the housing and home loan market has been so pleasant. Record low rates, looser credit criteria, lender competition, government incentives, much more market activity and property price growth have been coinciding of late. The sentiment has changed and it can be seen in renewed investor and owner-occupier activity, banks proudly shouting about new low rates, and first-timers getting a gift from the government.
Is your cash making you poorer?
You know the phrase, “asset rich, cash poor”? It’s never been uttered in a more provocative environment. Even if you’re generally flush with cash, cash as an investment type is hamstrung these days by the central bank cash rate, meaning you’re poorer than you need to be. Let me say it straight. Cash, right now, is kinda useless as an investment. Rates are about as low as they can go (or are they?) so any cash investments still held are no longer helping your cause. That’s presuming the cause is wealth creation. Cash investments are simply not delivering the returns and the low risk profile that have made them popular for so long.