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

Sourav Dey Roy Broker 2, News Leave a Comment

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.  …

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 …

How to buy without a 20% deposit

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When you consider that an average house in Adelaide, it could set you back half a million dollars at the moment, saving a 20% deposit to buy that house – $100,000 – can seem an insurmountable task. That’s where insurance can help. Lenders mortgage insurance (LMI) may be an added expense, but it offers buyers the opportunity to dive 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 …

Five simple ways to pay your home loan off sooner

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Paying off a mortgage can seem relentless – every payment counts of course, but it can seem to be taking forever to make a dent. Here are some simple ways you can increase the amount you pay off and own your home sooner. Reducing the principle on your mortgage as quickly as you can means paying less interest, so your …