Mario’s Blog

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  Are Interest Only loans still your best option?

  Interest rates are a hot topic right now. Up until recent times, home loan rates were identical to investment loan rates. Over the last few months, banks have been slowly increasing interest rates to the point where Interest Only (IO) loans are 1% higher than Principal & Interest (P&I) loans. With a 100 basis points price difference, one must consider whether it still makes financial sense to pay IO on your mortgage. Read full Story

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  Higher interest rates… Higher property prices… What’s next?

  Higher interest rates… Higher property prices… What’s next? The truth is, does it really matter? All these things are out of your control. BUT what you can control is your mind, and that is the only thing that will make ALL the difference between your financial position today to your financial position 10 years from now. Read full Story

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  Changes to Victorian property taxes

  When it comes to property and taxes, change is the only certainty. There are a few major changes coming your way that relate to property in Victoria. These changes impact both owner occupiers and property investors and therefore you should take a closer look. Read full Story

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  Credit is tightening… so what can you do about it?

  Australia’s banking watchdog APRA is worried about the housing market overheating and exploding. To counteract this perceived risk, APRA has changed the rules of play which Authorised Deposit-Taking Institutions (ADIs) must adhere to when assessing loan applications. Read full Story

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  The power of an Offset home loan for Investors

  In my daily work, a misunderstanding I often come across amongst property investors is whether recycling debt against a property is “always” tax deductible. Property investors need to be across this issue as loan interest claims are a hot button for the ATO with regular audits being conducted. Read full Story