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01/11/2016
Mortgage Broking

RBA Rate Decision – November 2016

On this Melbourne Cup Day, Governor Lowe and his Board met, and they've kept interest rates on hold. It is an interesting time in our economy at the moment because the RBA is wrestling with one big problem and that is the growing amount of household debt. We are starting to see the household debt to GDP ratio increasing, and that is concerning. Wha...

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20/10/2016
Buyers Agents

Today Show – What Home Buyers Want?

If you are buying a home this weekend, do you already have a feature in mind? For example, does it need to have a tennis court or perhaps, a property near a park? This time on Today Show, Ben Kingsley joins Jane to discuss the highly sought after features that Australian home buyers look for when hunting for a property. A few property search websit...

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13/10/2016
Mortgage Broking

What is a Family Pledge or Guarantor Loan?

What is a family pledge or guarantor loan? Well in simple terms, what we are saying is that parents or a family member can put up security to help a child buy a property. Now, why is this needed? In Australia, we do know that in the bigger cities, property prices are increasing more and more. And as they increase, it is becoming harder for the chil...

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04/10/2016
Mortgage Broking

RBA Rate Decision – October 2016

Today the new Governor, Dr. Phillip Lowe and the Board met and they've kept interest rates on hold. Now this was widely anticipated by most economists. There were, however, a couple of economists who were looking to see a rate cut. I think that had a lot to do with our stubbornly high Australian Dollar with the Fed Reserve in the US not moving on i...

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16/09/2016
Investment Education

Should You Invest In Property Overseas?

As a Qualified Property Investment Advisor, I often get approached by clients asking me about investing in property overseas. They've been on a recent vacation, and they bring back a brochure telling me about this amazing opportunity they've got in Bali, Spain, the UK or in America. Ultimately, I try to dig into the main motivation for them to inve...

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15/09/2016
In the Media

Is the Advice worth the Price?

Did you know that property is not a financial product as defined in the Corporations Act? And what does this means? This means, property advisors are not required by the Corporations Act and Future of Financial Advice to have a certain qualifications and a best interests duty. And how does this affect you? Well, technically if you are not carefu...

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06/09/2016
Mortgage Broking

RBA Rate Decision – September 2016

The Reserve Board met today, and they've kept interest rates on hold. That's after dropping the cash rate by 25 basis points last month. Now they are looking for a lead in terms of where they go next, and most people are predicting that it is going to go down. In fact, before this announcement, 38 economists were surveyed, and they all anticipated ...

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22/08/2016
Buyers Agents

What is The Practicality Test?

Hi, Ben Kingsley here. In this Expert How to Video, I want to talk to you about or introduce another concept which flows on from The Buyers Decision Quadrant. Now you can check out the Buyers Decision Quadrant video in this area of the expert session under our How to Videos but I want to basically bring that further. I want to talk about the Practi...

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02/08/2016
Mortgage Broking

RBA Rate Decision – August 2016

As I anticipated last month, the Reserve Bank has moved on the cash rate by dropping the cash rate lower. We are now in a stage where we are effectively in an uncharted territory with the cash rate as low as what we've got. It's an interesting time. So on balance, what they've looked at is the inflation data. Now, usually what they like to see is i...

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28/07/2016
In the Media

Which Loan is Right for you?

For those who are not familiar with the finance side of things, this might be a tricky question. We've previously written about the different types of property loans out there but how do you know which loan is right for you? Especially when there are more discussions these days surrounding principal and interest and interest-only lending options an...

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