Interest Only or Interest and Principal, What Is the Difference?

Thursday, November 26, 2015 / Property Finance, Property Investment

Generally speaking, when someone purchases a home that they intend on living in, they get a mortgage which is then paid off over a set period of time. Each week they pay the interest on the loan amount, and then they pay off a portion of the debt itself. The portion which is paid off of the debt is called the ‘principal’. As time goes on, and more and more principal has been paid, the amount of interest that is paid each week diminishes, whilst the amount of principal that is paid each week increases. For example, if you were…

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Vacancy Rates, How they Influence Investment Strategies

Thursday, November 19, 2015 / Property Investment

So if you have decided to buy an investment property, you are almost guaranteed to be planning on renting that property out. This is a given. Even if you have found an absolutely amazing property that seems to check every single box in what you are looking for in an investment, you’ll blow your budget pretty quickly if you can’t find a tenant. Nothing will make your property investment experience go sour and cause serious financial hardship quite as quickly as having a long term vacant property within your portfolio. Your strategy is going to be built upon the affordability of a…

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Growth Averages Can Be Misleading

Thursday, November 12, 2015 / Property Investment

When people talk about property value growth, it can become a confusing time for some. When we look at the national figures, the state figures, the city based figures and then the suburban figures; it can all become a little hazy as to exactly what growth means. The big thing to remember, is that when a figure is placed against the entire nation, then this is taking into account every single property within the country, and like wise when a state wide figure is displayed, it is once again taking into account every property within the state. Core Logic RP-data shows…

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Investing In New Property Vs Established

Tuesday, November 10, 2015 / Property Investment

You are likely to get some very strong, very passionate responses from both sides of this debate, depending on who you speak to. There are a lot of valid reasons for each decision, and ultimately it does all come down to your individual investment strategy and the goals that you have in place. As always, this information presented is intended to be a guide only, and we recommend that you speak to a professional investment strategist to help you to come up with the best options for your goals. Reasons to Purchase Investment Property New It’s generally easier to find…

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Proximity of Public Transport Influences Property Value

Thursday, November 5, 2015 / Property Investment

If like many Australian’s you are reading this title and thinking “but I would never catch a bus”, you should keep in mind that your sentiments are not shared by everyone else within the population. Whilst selecting the home that you are going to buy and then live in, you may not have thought too much about whether there was a convenient train line or a bus route close by. When purchasing a property for investment purposes however, it is important to consider all factors that may influence how valuable the property becomes, as well as how easy it will be…

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Investing in Property Vs The Share Market

Monday, November 2, 2015 / Property Investment


When you decide that the moment in your life to start investing is upon you, there are many options and even more opinions available to you. The two options that will stand out as being the leading two, are: Investing in real estate Investing in the Share Market Both of these are time tested and proven methods of increasing your wealth and providing a better financial outcome for your investment. Both of these options have their own share of horror stories of people who have entered the market and then lost out. We have stock market crashes and we get…

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