Blog

July 13, 2020

How to find the perfect fixer-upper

While you might be looking for a fixer-upper, you want to make sure you’re not purchasing a money pit. But how do you know whether your fixer-upper is going to be worth the renovations and work you do to it?  Make sure the house is structurally sound One of the most expensive parts of a house to repair or replace is its structure. Make sure you get a professional building inspection of a property you’re considering purchasing if you’re concerned the building isn’t structurally sound. Being […]
July 10, 2020

How does the RBA influence interest rates?

When you hear news of changing interest rates around Australia, you’ll also hear mention of the Reserve Bank of Australia (RBA). But how exactly do they influence interest rates and what’s the difference between the cash rate and interest rates?  The Reserve Bank of Australia (RBA) The RBA is Australia’s central bank which oversees Australia’s monetary policy and issues our currency. The bank performs roles and functions which can affect the interest rate on your home loan. Owned entirely by the Australian government, the RBA manages […]
July 9, 2020

Interview July 2020 – Megh Castledine, Mortgage Choice

In this episode, Matthew Rosie caught up with Megh Castledine to get an update on the state of the mortgage market. Whether you already have a mortgage or are looking to borrow for your first home or investment tune in for some hot tips! (~9mins) You can reach Megh at: Email: megh.castledine@mortgagechoice.com.au Phone: 0433103316 Subscribe for tips to invest in property with confidence. You can find Matthew Rosie at: Website Here – www.rosieandrosie.com.au Facebook Here – www.facebook.com/rosieandrosie/ Thanks for watching!  
July 8, 2020

Breaking down loan to value ratios for first home buyers

Loan to Value Ratio (LVR) can help first home buyers borrow more money for a home loan. However, it’s important you understand what LVR is and how to calculate it correctly as it can affect your buying power.  What is loan to value ratio? LVR compares the value of a property to the amount of money being borrowed to purchase it. By comparing these two amounts, you can calculate your LVR to determine your home loan amount as a percentage of the value of the property […]
July 6, 2020

Options for first home buyers with no or a low deposit

While no deposit home loans can help first home buyers break into the property market, you should always do your research before taking out a loan to make sure it’s the right one for you. Generally, there is a very tight criteria to be eligible for a low or no deposit home loan and the interest rate of these loans can often be higher than other loans.  Lenders Mortgage Insurance  Many lenders and banks will offer a low deposit home loan where first home buyers only […]
July 3, 2020

How to stay on top of the property market

It can be very time consuming trying to stay on top of the property market. Whether you’re scrolling through the latest property listings or spending each weekend at auctions, there are ways to simplify your process of staying on top of the market.  Get on your agent’s radar Subscribing to your agent’s emails allow you to stay up to date on new listings, open houses and the current state of the market. Agents often send updates of the local areas they work in regularly. You can […]
July 2, 2020

Keeping your Airbnb Covid-free

As travel restrictions begin to be lifted across Australia and New Zealand, Aussies and Kiwis are keen to see more of their own country. With an increase in local and trans-tasman travel, Airbnb bookings will start growing making maintaining the cleanliness of your property a high priority.  How to keep your Airbnb Covid-free  Due to the Coronavirus being highly contagious, you might need to revamp your cleaning routine after guests checkout to ensure you protect yourself and your future guests from catching Covid-19. It’s possible to […]
July 1, 2020

How to know which type of property is right for you

There are a range of different property options available but choosing the one that’s right for you can be difficult. With so many different dwelling types available and the options to buy an existing home or building a new one, it can be difficult to know where to invest such a large amount of money.  Buying a home vs building a new home While buying an established home means you know exactly what you’re getting, it can also mean you’ll have to spend on renovations and […]
June 29, 2020

How to find a property that’s perfect all year round

The time of year that you view a property can have an impact on how it looks and feels. But there are a few things you can check when inspecting a property that can help prepare you to make the right buying decision.  Consider the home’s orientation  The orientation of the building in relation to the sun and wind patterns can change the way the home feels in certain seasons. Consider the direction of the property to work out how much natural sunlight and airflow it […]
June 26, 2020

Should I get a real estate agent to manage my rental property?

The services that we, as real estate agents, provide when managing your rental property aren’t just convenient for you as a property owner, they’re also very valuable. Renting out a property requires a high level of commitment and a lot of work. Here are some of the value-adds you can get by having a real estate agent manage your rental property.  Agents find suitable tenants for your rental property We’re able to help you avoid long periods of vacancy by finding suitable tenants for your property, […]
June 24, 2020

Where to buy your first home

Looking for your first home can be an overwhelming experience. Afterall, it’s most likely the most amount of money you’ve ever spent in one transaction. And you definitely don’t want to make the wrong decision. So, how do you know you’re purchasing your first home in the right suburb?  Keep an open mind One of the most important things to remember when looking for where to buy your first home is to keep an open mind. Your first home isn’t always going to be your forever […]
June 23, 2020

What investment costs are deductible?

While the rewards of property investment can be high, it doesn’t come cheap. Most investors will pay several thousand dollars per year in property management fees, maintenance costs, council and water rates, insurance and loan interest expenses while waiting for their asset to grow. Your rental income will cover a significant proportion of these expenses but tax deductions are very important too, especially if your holding expenses are higher than your income. Australia’s tax system provides generous tax concessions for investors and taking advantage of this […]

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