The Price is Always Right

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Author – Graeme Salt Remember the days when borrowers were eagle-eyed to rate changes on the first Tuesday of the month?  Now, the interest rate world is very different. Two years ago, whenever the Reserve Bank met and changed rates, the banks pretty-much said they would pass them on immediately.  Now, it seems to be almost every day that a …

Triple J or Triple M when it comes to investments?

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Author – Graeme Salt Whenever I look at my Super Fund, technology jumps out to me.  Since we have had our SMSF, most of the growth has been driven by two innovative stocks – Cochlear and CSL whose growth has been stellar. But, with technology it can be a wild ride; we have invested in some duds over the years …

How to speed up your home loan approval

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Asking how long it takes to get a loan approved is like asking how long a piece of string is. Every application is unique, so the time between your first contact with your bank or broker and approval can never be predetermined. There are, however, some things you can do to help hurry your application along.   Although very rare, …

How to Really Stuff up your Property Purchase

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Author – Graeme Salt You agree to purchase a property for $2.5m, pay a $250,000 deposit – and then find you can’t get finance. You may be surprised to know that this is not that uncommon – and it’s going to become more common both due to a cooling market and tighter lender restrictions. The answer to avoiding all this …

Buyers Hold All the Aces

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Author – Graeme Salt Falling auction rates depict a turning market – a market which suits buyers. Many buyers are now asking ‘when do I buy’ and ‘how do I buy’ rather than desperately screaming ‘I’ve got to buy.’ With close to half of properties being passed in at auction, buyers are sitting on their hands as prices in Sydney …

My Baby Joy – by Henry Daniell

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Not only am I seeking global domination of the mortgage broking world, I am also looking to create a dynasty – with generations of successful mortgage brokers. So, I am delighted to tell you that Katya and her husband Alex had a son recently.  Weighing in a 3.55kg and 57cm tall, Sebastian is already a bundle of joy with parents …

Explainer: Home loan pre-approval

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Author – Sourav Dey Roy For those getting ready to stride into the world of home ownership, the uncertainties of pre-approval can cast a shadow of doubt over an otherwise exciting time. When is it necessary? How long does it last? And what does it involve, exactly? Pre-approval is a lender’s assessment of your likelihood of being approved for an …

June News from Henry

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 Another month and my global empire comes closer to fruition.  This month we were delighted to see great progress from some of our newer brokers.  Its been a long time between drink for our WA operation (which has seen Sarah single-handedly holding the fort).  But I was delighted this month to see Ravikiran Jadhav come in with his first loans.  …