Generic process:

• Get a statement of advice from your Financial Planner.
• Have your accountant set up the SMSF Trust for you. Ensure that the trust deed enables borrowings.

Off the Plan property is a property that has not yet been fully constructed. Some developers offer the chance for buyers / property investors to purchase a property before work has started.

Leverage – you use your cash to invest a percentage of the purchase price of the investment property. It’s possible to borrow 95% of the value of a property to purchase it – so together with the 5% needed for government and lender costs; you need only commit 10% of the purchase price from your own cash.

This is a question asked by many expectant mothers, so we have some great tips to help you through this challenging financial period

From bearing the name of a property’s registered owner to outlining outstanding easements, a Certificate of Title is often the key to determining the condition and overall value of your property

When you borrow money to buy a property, the lender will take a mortgage over that property to secure the loan – one loan and one security property.

A construction loan allows you to borrow against the construction progress of a new building based on the estimated completed value of the property.

A fixed rate loan means that for a set period of time the interest rate that you pay, and therefore your monthly repayments, remain the same.

The time frame is commonly 1 to 5 years, however longer terms are available.

Every lender has their own terms and conditions, and this is intended only as a general guide to understanding this topic.  Contact us to discuss your individual circumstances.

Work out how much ‘cash’ you need each pay period ($A).
Get your payroll department to deposit $A into your bank account and the balance into your Home Loan.
Pay as many bills as possible by credit card.
Redraw from your loan to pay your credit card and other bills as required.