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Market Softening a Good Thing

It’s with some relief that I report early signs of a softening in the Melbourne Housing market after a rapid run, where the median house prices grew by as much as 30% in the past 12 months. Increases of such magnitude are unsustainable over an extended period of time, which can lead to bubbles forming and we all know that eventually happens to bu...

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Which Unit is Best – High Density or Low Density?

I’ve been in conversation with a couple of buyers advocates over the past few weeks, and it’s surprising how many of their attitudes differ with regard to investment property, namely whether you should be buying apartments in high density areas (HD) such as CBD locations, or low density (LD) inner city locations. For the sake of a comparison, I...

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Finance Structuring for Investing

Choosing the correct Property is crucial to your future wealth when it comes to property investing. The focus of the investor is obviously on finding the best property and paying the right price. However, just as crucial in your property investing business is making sure that the structure of lending is correct for your portfolio now and for the fu...

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Why Property Over Salary Sacrifice

Most of you who have been following my monthly commentary and newsletters  over the years understand I have a bias towards investing in residential property, because I have been successful at building a multi-million dollar property portfolio over the past 16 years of investing, yet my compulsory superannuation has grown to only a few hundred thou...

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Lazy Borrowings – Are they costing you?

Recently we saw CUA (the largest Credit Union in Australia) reduce their standard variable rate by 0.25% to 6.62%.  It was a marketing boon for them, as major media picked up on the story as part of what we will see as continued big bank bashing, given their recent profit results and also the overall market share they hold currently. The intere...

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Property Prices – Where to from here?

Those of us in the Melbourne and Sydney markets are seeing property values grow at an astonishing rate. So much so that at a very near point in time, they may be overvalued. I know the first question that’s coming to mind—”when will this be?” As those of you looking to get into the markets are thinking, I’ll just wait until the right t...

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Showing the Way…

The most rewarding part of our job is helping our clients create wealth for financial independence through residential property.  I’d like to introduce you to one such client. Renee, (name changed for privacy reasons) is in her early thirties, working as a professional woman.  Since I have been working with her over the past 4 years, she has...

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Mistakes Borrowers Make

With finance the flavour of this month’s newsletter I thought I’d pen a list of borrower’s mistakes. This list is not specific to investors or owner occupiers; they are basic mistakes or assumptions that lead to mistakes that all borrowers can make..... So lets take a look at them (in no particular order) Going straight to their current B...

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Pressure on Housing—Long term

Last week the government released their third Inter generational Report forecast. It is forecasting the population to grow from current levels of 22 million people to 35.9 million by 2050.  An increase of 13.9 million people with the level of older Australians increasing as wills the average age they will be living too.  This means a double wh...

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Cash flow and Provisioning Critical

I am on record pretty much every week, talking about how property investing is a long term play and why would you sell if property values continue to grow and also provide immediate and on-going income via rent payable by tenants. Yet one of the barriers of entry for some to invest in property is the fear of borrowing money (debt) associated wit...

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RBA Rates Decision – February 2010

The RBA announced an increase in the cash rate from 3.75% to 4.00% today.  This is the fourth consecutive increase in rates (given the RBA doesn’t meet in January).  The cash rate has now moved up 1.00% from a low of 3.00% back in April last year. Most forecasters are expecting the cash rate to increase by another 0.75% by the end of the yea...

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