hi all, currently in fnq. looking at purchasing my first property in the next few months. with a move down south to brisbane with my wife in mind....
I’m applying for a home loan through a mortgage broker. My payslips show ordinary hours, overtime and other. In the section that says “other” is...
The amount you can borrow has fallen by over 30% in the last 2 years. 2024-2025 will reverse this trend where borrowing powers rise again, likely...
My partner and I are looking to buy our first property together. It’ll be his first and my second. As I already have a mortgage, the banks view...
Would anyone be able to give me a ballpark figure of how much extra you can borrow if you were previously maxed out in borrowing capacity, but now...
Hi Property Chat members I am interested to hear business owners experiences with getting a home loan and the impact on their borrowing capacity....
If I'm selling a property and want to buy a new one, would I need to wait until after settlement before I start putting in offers if I'm relying...
I was going through some videos I made a few years ago and this one from 2020 is highly relevant - even more so today than when I originally made...
Hi all, I’m seeking general advice for my financial situation and I’m also on the hunt for a mortgage broker who can help kickstart my property...
A way to do it might be to structure the business so that it is owned and operated by a company. The individual could take a small wage to meet...
There is a lot of misinformation out there about using trusts to get ‘unlimited serviceability’. Here is my take as a lawyer, tax adviser and...
Hi all, posted on reddit, but seems there are a few more here with actual experience. details 10 months to settlement, 2 mil purchase price, 5...
The new 1% refinance buffer policy that many lenders offer allows Aussie’s to increase their borrowing capacity by 20% for purchases. This...
Hi everyone, I have a few simple questions and I would appreciate your responses. As you all know, there has been an increase in cash rates,...
Many borrows like to think they will get a loan approval just because they have equity. But equity in itself does not impact serviceability for...
Some lenders factor in interest deductions or ‘negative gearing’ when working out serviceability. It might therefore be important to distinguish...
Hi everyone, I've got a silly question. If my usable equity based on my current properties is 130K and my borrowing capacity based on my...
My serviceability is about to run out after my next investment property, so I've been watching some content on what finance strategies people are...
Do lenders generally avoid residential property borrowers who have ATO payment plan / have previously arranged an ATO payment plan? Interested...
We unpack 11 predictions for the Aussie Property Market in 2023. We've got this post in a lot more detail with a lot of cool charts in an...
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