Mortgage Experts Online
Mortgage Experts Online
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  • Air BnB be and increased rental yeild
    In recent years, there has been a rise in property owners giving up traditional tenants in favour of using short term and holiday rental services such as Air BnB and Stayz. If the location is right short-term rentals can provide a significantly higher overall rental yield than traditional long term 6 or 12 months rentals. news.com reports that a three-bedroom house in Sydney could be paid off in j...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Buy first, then sell? OR sell first, then buy?
    Buy first, then sell? OR sell first, then buy……? How to plan a move from your existing home to a new home. There are quite a few ways to skin a cat as they say. The below assumes you don’t want to hold the existing property long term. 1)    Buy before you sell - Bridging loan A bridging loan or bridging finance is when you retain the existing loan on your current home plus you borrow the funds ...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Case Study: Is co-ownership the solution to cracking the market?
    Property co-ownership with parents putting up the bulk of the deposit and the children providing the bulk of the loan servicing can be an innovative and beneficial way for parents to help their children get into the property market without some of the usual pitfalls. The scenario: Recently we assisted a mother and daughter buy a property together for $750,000 in Sydney.  The d...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Case Study: Alternative income verification for Self-employed
    If you’re self-employed, you’ll know banks can make it difficult to borrow money. Depending on the lender and situation, they can ask for multiple years’ tax returns, P&L and balance sheets, depreciation reports, tax assessment notices, ATO portal printouts, BAS statements and often letters from your accountant or other third parties to confirm this and that. All in all it can make applying for a...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Bubble, bubble boil and trouble?
    Year on Year housing dwelling growth rates as at 31st March 2017 (source Core Logic): • 18.9% Sydney • 15.9% Melbourne  • 12.8% Canberra • 10.2% Hobart •   4.6% Brisbane / Gold Coast •   3.4% Adelaide • -4.61% Perth • -4.41% Darwin Some other stats (source Core Logic): • Sydney prices have increased by 5...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Mortgage Experts has partnered with stratton to offer Car finance
    Mortgage Experts have partnered with stratton to offer you smarter vehicle finance. We are pleased to announce our recent partnership with stratton. Part of the Carsales network, stratton provide finance for cars, commercial vehicles, boats, business equipment and more to over ten thousand clients each year. Mortgage Experts clients can access the special benefits of: • Loans with the option o...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Case Study – Knock down rebuild
    Have you ever wondered about how people borrow to fund a major renovation or even a complete knock down and rebuild?  We recently had some new clients come to us looking to knock down their current property and build their dream home. We decided to do this in a 2-stage process. First, we refinanced their current mortgage. Taking it from $290k to $370k. This increase was to cover the cost of demoli...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

Mortgage Experts Online
Mortgage Experts Online
Blog Post

New blog articles detected.

  • Case Study: Common Debts with Family Members
    The problem:  Recently we had a client Sarah come to us looking to buy her own home. She already owned an investment property 50/50 with her brother James. Sarah did not qualify for a new loan with her current lender because that lenders policy is to take 100% of her joint loan commitment into account while only allowing 50% of the rental income received on that property to be included in their a...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • What's the future for home loan rates in 2017?
    Inflation rates have remained stubbornly low, implying the RBA may cut rates further this year. In the past, the official cash rate (OCR) and mortgage rates have risen and fallen in parallel but if there are further OCR cuts will this be passed on to customers by the banks? In the first meeting of 2017 the reserve bank has opted to leave interest rates on hold at 1.50%.  With rising political ten...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • The benefits of Depreciation
    Depreciation is essentially a tax deduction available to all property investors. A property investor is able to claim depreciation on both residential and commercial property, so it does not matter what type of property buyer you are, you are still entitled to claim your share of depreciation! As a property investor, there are many tax deductions you are entitled to, however, there is only one d...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Make 2017 your year to follow investment dream
    Many people wait for the ‘perfect’ time in their personal life and the economic environment to invest. This can see them waiting too long meaning they’ll miss their opportunity or when they do invest, it’s too late to have a successful strategy. Listening to Doomsayers People often make the mistake of listening to doomsayers. For as long as people have been investing i...
  • Case Study: How to secure and owner occupied rate for an Investment property?
    It’s expected that Investment rates will rise over the next 12 months. For this reason, there’s no better time to consider different options that allow you to secure a much lower rate. We recently had a couple come to us with $300,000 owing on their property valued at $1,000,000. They were wanting to borrow $500,000 for investment purposes. The rate they had been quoted was significantly mor...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • The 2016 Wrap up: Can it keep going?
    Sydney Market in 2016 While there was a slight decline in prices at the beginning of the year, the Sydney property market will end up with double digit growth again this year. This rise has been attributed to a strong economy, large population growth of around 1,100 new arrivals a week, increased demand from family’s looking to upgrade and the demand from investors chasing capital growth.  In 201...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Case Study: How different banks assess unusual income
    We recently had a client come to us who was seeking a home loan with the scenario that a good degree of his income was from annual bonuses. While a few lenders will not accept bonus income at all the most common policy is lenders require a two-year history at a minimum and then take 80% of the lower year’s figure. This is a prudent approach but in this case it was problematic as this client had on...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • 3 ways parents can assist their kids into the property market. Gift, loan and guarantee
    With escalating property values in our capital cities especially here in Sydney we are seeing parents helping their children in far greater numbers than ever before. So how are parents helping their kids? Gifts A common form of parental assistance when buying a property is a monetary gift. Depending on the lender, a letter or a statutory declaration stating the funds are a non-refundable gift. T...
Mortgage Experts Online
Mortgage Experts Online
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New blog articles detected.

  • Whats needed to get started?
    If you receive PAYG income Last 2 pay slips  2015-2016 PAYG payment summary  If you are Self-employed (or a director of any companies) Last 2 years Personal income Tax Return and corresponding notice of assessment  Last 2 years business tax returns  Last 2 years Business financial statements i.e. profit/loss and balance sheet Rental income 1 ...
Mortgage Experts Online
Mortgage Experts Online
Blog Post

New blog articles detected.

  • Case Study: Family trust with company trustee at normal home loan rates with offset.
    A trust is an arrangement which allows a person or company to own assets on behalf of another person, family or group of people. Many mortgage brokers, bank employees / lending managers and banks staff in general struggle with these loans especially if there is a corporate trustee involved which there normally is.   2 of the big 4 banks and most of the smaller credit unions (who now mostly call t...
  • Investment property cash flow report
    Please complete the questionnaire at the bottom of page if you would like a complimentary (but comprehensive) investment property cash flow analysis. The report is a great tool to evaluate the true holding costs of a potential investment property. It's a must for anyone considering an investment property purchase.  Sample Property Investment Cash Flow Report. You may also find these pages useful...
Mortgage Experts Online
Mortgage Experts Online
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