On face value it doesn’t appear that Australia’s banking regulator (APRA) has done much to slow credit and house price growth. In December 2014 they imposed a 10% growth cap or ’speed limit’ on investor lending which in July 2015 resulted in the big banks increasing their interest rates on investment loans for property investors […]
Sorry you can’t get a loan now
What’s positive about negative gearing
The idea of abolishing negative gearing has been discussed in recent months as there is a belief that it is responsible for the house price surges in Sydney and Melbourne. Many have also blamed negative gearing for making housing unaffordable for ordinary Australians. However the Australian Government has been reluctant to make changes due to […]
Minimise your tax and maximise wealth with the right loan structure
For anyone who owns or is thinking of buying investment properties, the right loan strategy and structure can be implemented to save tax and maximise your wealth. Here’s how… Strategy #1a: Lower your non tax deductible debt When you borrow money from the bank to buy an investment property that loan is classified as an […]