Posted in Smart Money Management

Is it time to fix your interest rate?

Posted by Mark Attard on 4 July 2017
Is it time to fix your interest rate?
It is one of the most common questions we get asked. Should I fix the interest rate on my loan? Below are the things you need to consider and talk through with us before making the right decision for you. Principle and Interest Home loans Most lenders offer better rates for Principle and Interest (P&I) repayments. They also offer better rates where your total loan limit is 80% or below the value of your home. Given the increase in property prices in Melbourne and Sydney...
Posted in: Debt real estate Interest rates Financial planning Investment Home loans Upgrading your Home Smart Money Management Reducing Debt  

6 changes property owners need to know from the 2017 budget

Posted by Chris Collard on 23 May 2017
6 changes property owners need to know from the 2017 budget
1. First Home Buyers There's a little bit of good news for first home buyers looking to save up a deposit for their first home. The 2017 federal budget states that they will be able to use their superannuation to assist with saving for a deposit for their home from 1 July 2017.
First home buyers will be able to salary sacrifice up to a maximum of $30,000 or $15,000 per year from their pre-tax income. This is over and above the compulsory superannuation contribution they currently...
Posted in: real estate Property Business real estate Financial planning Investment Property Investment Business Assets Smart Money Management Building Wealth  

Is the property market about to crash?

Posted by Mark Attard on 2 May 2017
Is the property market about to crash?
Over the last 6 months this is one of the most common questions I have been asked. It's not a new question. It comes around every so often, normally after clients have read an article in one of the daily newspapers or watched a Today Tonight expose' on the crash that has to happen. I myself read an article last week that shared an overseas investment research houses assessment of our property market. For an overseas research house it was quite balanced and thorough but like...
Posted in: real estate Property Property Investment Smart Money Management First Home Buyers Building Wealth Upgrade My Home  

Adam and Lauren's story

Posted by Chris Collard on 23 April 2017
Adam and Lauren's story
We're there every step of the way Like most young families we are time poor and find it difficult to keep up to date with all the changes that are happening with interest rates and bank lending criteria. We first made contact with Chris and John at FinancePath a number of years ago when we were looking at our options regarding our first home. They were able to keep things simple and clearly explained what we needed to do over the next few years to be in a position to buy and bu...
Posted in: Success Smart Money Management First Home Buyers Building Wealth Starting a Business  

Interest rates on hold in April

Posted by Mark Attard on 5 April 2017
Interest rates on hold in April
Right now is one of the most interesting times in lending that I have witnessed over the past 15 years. The focus by regulators to slow down lending to investors and now also focus their attention on unsuitable interest only loans is unprecedented in my time. What is the reasoning behind this focus? As we have discussed over the past month APRA the government regulator is concerned about inflated property prices, primarily investment properties in areas where supply outweighs dema...
Posted in: real estate Property planning Investment Property Investment Smart Money Management  
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