Property Finance

Heard about Mortgage Refinancing? In the past, most people who took out a Mortgage persistently continued with it until they had paid it off. These days, people refinance their Mortgage much more frequently. The average duration of a Home Loan in Australia now is just 4-5 years. Here we look at some of the reasons people in Australia refinance their Home Loan.

A common piece of advice that is given to property investors by mortgage brokers, at least knowledgeable brokers, is to keep securities for each loan seperate, ie) avoid cross-collaterisation at all costs.

We reqularly get questions about the pro's and cons of borrowing for investment properties through different structures, so I thought I'd summarise the various ways you can structure your purchases and borrowings:

Borrowing in Individual Names

With banks still coy about lending on development, I thought I would post some of the major reasons that we see for development deals being declined and some tips to avoiding these pitfalls.