Investment education articles & tips

How Do Lenders Assess Loans?

Gone are the days when you can just go down to your local bank branch and get loan approval because of your longstanding relationship with the manager. These days lenders have become quite sophisticated in their method of assessing loans - it’s now all about Risk Assessment. For years, lenders have been compiling data about every one of their ...

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Property Outlook 2010

If there is one thing that people are interested in it’s the value of property. We all enjoy it when the values of our property increases and it certainly makes for good media.  I don’t think there is a day that goes by without those current affair programs or the press talking about property—they love it when it goes up or down, just NOT wh...

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Wealth Creation Personality

Following on from my the topic I spoke about (Money & Wealth Mindset) at last week’s forum, I believe strongly in the topic that I wanted the thousands of subscribers to our newsletter to also benefit from this message that mindset is the key thing that limits us to reach our full potential, so I will continue on the topic in this month Direc...

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You Motivate You – But We Can Help

A few months back I attended a professional development day, which is part of holding my qualifications as a licensed finance broker. These types of events can be a bit hit and miss, but I always take the view that you can never stop learning and improving, so even at some of the dud events I usually still get one or two key points or ideas to take...

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Will House Prices Slow Over the Longer Term?

I read with interest an article relating to a study by the Switzerland Bank for International Settlements, which indicated that house price growth may slow by up to 30% over the next 40 years due to Australia's ageing population.  The study highlighted that demographics factors resulting from the baby boomers pushed up Australian House Prices by...

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What is NRAS?

The National Rental Affordability Scheme (NRAS) is a long term commitment by the Australian Government to invest in affordable rental housing. The Scheme seeks to address the shortage of affordable rental housing by offering financial incentives to the business sector and community organisations to build and rent dwellings to low and moderate incom...

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You have to Spend Money to Make Money

Let start with a simple question – Can you give me an example of how you have made money without spending any of your own money? Let’s get the obvious answers out of the way first: Inheritance. Good luck to those waiting around lazily to collect someone else’s initial spend to originally make it, not to mention the risk they took. St...

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Your Call to Choose a Wealth Road less Travelled

Our minds are an amazing tool and mysterious in the way in which they operate.  They allow us to understand and size up risks pretty much every moment in our lives, from driving motorcars to jumping out of perfectly good aircrafts.  With each of us having our own individual mindset to determine what risks we plan to take in life every day. Rem...

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Timing Your Purchase?

A lot of commentary, opinion and theories go into the ‘melting pot’ when it comes to the ‘TIMING’ of purchasing any investment asset and this is no different when it comes timing the purchase of a Residential Property, whether for owner occupier or investment.  There are those that will put a call out there ‘Now’s the time’ and those...

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The Tangible and the Intangible Measure of Money

This month marks the month that we first launched our Private Client Wealth Division to a pilot group of existing customers. Since that date over 80 clients have attended our private dinner function to showcase these new professional services.  So what is our Private Client Wealth Advisory Service? Well, it’s a complete cash flow and wealth crea...

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Control & Influence a Key to My Wealth Building Strategy

Once again the first half of this year appears to be providing my wife and I with some exceptional value increases in our property portfolio and the market for well located inner city properties show strong double digit growth for the first 5 months of the year. What’s even more pleasing for me is the hundreds of clients we have helped find prope...

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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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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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