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.  …

Tax Time – How to Really Stuff Things Up

Graeme Salt Broker 2, News 1 Comment

Author – Graeme Salt What’s the best way for a property investor to drive their accountant bananas? By mixing personal and investment debt. It makes it almost impossible to get a borrower the best tax return if it’s not clear what debt is tax deductible. This week a client called me who was looking to convert his current home into …

I Don’t Know

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Author – Graeme Salt “I don’t know” that was the answer from a bank representative when I asked him how we could undo a complicated mess that a client had gotten himself into. A few years ago, the client had cross-collateralised three investment loans – one of which was for a property in Whyalla SA. Cross-collateralisation is where a security …

Why the Outgoing Bank Can Really Stuff-up your Refinance – and other tips to take away the stress

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Author – Graeme Salt We all know that interest rates are at ultra-low levels and that lenders are offering major inducements for us to refinance our home loans with them. But, did you know that if you just tried to refinance with the cheapest lender you could really stuff-up your finances? On-line lender makes you do heap of work and, …

News from Henry – What Happened in May?

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Well another month passes and my plans for World Domination (well at least beyond the dog park) start to take place. This week I was delighted to see that Kris has opened his new office in Glenfield.  It’s on Railway Parade next to Guru travel or opposite Glenfield station.  If anyone is passing by please drop in to wag your …

Origin Finance: A Look Back on March

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Author: Henry Daniell-Vinton: Stress Management Strategist , Chief Morale Booster & Director of Food Impressions at Origin Finance March has been a great month for my pups, as ever I like to keep you all up-to-date on what is happening across my broking group. But first, some not-so-good news.  The downside of being a thoroughbred like me is that, more …

Is an Interest-only Loan Right for You?

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Author: Graeme Salt – Origin Finance Over the last 12 months, the demand for interest-only loans has dropped by 20 per cent.  This is partly because interest-only loans now have much higher rates and also because the banks aren’t giving out interest-only loans unless you can justify it. Amongst the Big Four lenders an interest-only (i/o) loan is at least …

Bad Credit Score? Here’s What You Need to Know

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Author:  Graeme Salt – Origin Finance Have you applied for a personal loan or credit card recently?  You may be in for a shock when you make a home loan application. This week a client had their home loan application declined simply because they had made too many credit enquiries over the past 12 months.  The client was unaware that …