Mario’s Blog

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  How your borrowing capacity is calculated

  Applying for a home or investment loan can seem daunting at times. Understanding how your borrowing capacity is calculated will help take the stress out of the process. Read full Story

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  8 must do’s before applying for a home or investment loan in 2019

  For most people, buying a home or investment property is only possible by taking out a home or investment loan. If this is you, you need to know how the game has changed and what it takes to be approved … Read full Story

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  Family guarantee home loans could be the answer

  House prices in Australia have cooled over the past 12 to 18 months attributed by a number of factors. A rigorous lending environment, the Royal Commission, talk of a change in government, change to foreign buyer policy, and a reduction … Read full Story

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  Time to ditch the plastic… or reduce your credit limits

  New rules came into play on 1 January 2019 relating to credit cards. These unrelated new rules could have an adverse impact on your borrowing capacity when it comes to applying for a home or investment loan. Previously, when a lender assessed … Read full Story

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  Is opportunity cost destroying your long term wealth?

  The dictionary definition of opportunity cost is ‘the loss of other alternatives when one alternative is chosen’. When it comes to buying property, the ‘alternative’ chosen is usually to do nothing and wait. This is happening right now as many people think they can time the market. Read full Story