Buying Your First Home in Perth

Friday, November 3, 2017 / Blog, Property Finance, Real Estate

If you read the news, it’s easy to assume that there is little possibility of you ever owning your own home. Although there are some steps you need to take to ensure you’re on the right path, buying a property in Perth doesn’t have to be as complex as you first thought. Many would think that you need a slew of cash to buy your first property in Perth, but there is help available for those taking the first steps into the world of homeownership due to some Government-aided programs.Two Ways the Government is Making It Easier to Get into Your…

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Structuring Your Investment Loans [The Activate Way, Part 4]

Thursday, April 21, 2016 / Property Finance, Property Investment, Services

When you have made your mind up on an investment opportunity, it is time to ensure that you have the capital behind you. What you may not be aware of, is that Activate Property grew from a company called Activate Finance. In the early days our business was firmly structured around providing mortgage brokering services, and other financial products. Our keen interest in optimising the implementation of Investment Loans was actually the initial underpinnings of what went on to create the investment property branch. The first and foremost thing that you need to keep in mind when it comes to an investment…

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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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Using your equity to invest

Friday, October 2, 2015 / Property Finance, Property Investment


Using equity can be a powerful tool for investors to build wealth. Many people think they don’t have the financial ability to purchase an investment property because they don’t have enough cash in the bank. What these people don’t realise is that they can leverage their homes equity to help them purchase an investment. In fact with banks tightening their investment lending criteria, using equity to invest is becoming one of the prevalent ways in which investors can still get into the market. What is equity? Your properties equity is calculated as the difference between the current mortgage owed and the properties market value….

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Positively Geared vs Negatively Geared Property

Thursday, September 17, 2015 / Property Finance, Property Investment

The terms positive and negative geared property are used frequently in property investment but what do they really mean and how do they impact you as the investor? Positively Geared Property: Positive gearing occurs when the rent you’re receiving from your tenants is more than what you are paying to hold the property including costs such as mortgage repayments, insurances, property maintenance and council rates.  This tends to occur in locations where rental yields are strong and interest rates are low.  It can also occur on investments that have been held for a number of years where the interest rate…

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Investment Lending

Thursday, September 3, 2015 / Property Finance, Services

Buying an investment property is a great way to help build your wealth however it does represent a large financial commitment which is why it’s important to ensure you get the right loan. With banks offering a range of investment home loan products it can be confusing trying to find the right loan to suit your needs.  This is where your broker comes in, with access to hundreds of products across many different lenders your broker is able to help you find the right loan for you. Whilst property investment loans are not too dissimilar from owner occupied loans, interest only loans…

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