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Finance Tips and Insights - Smart Property Investment

Property investment is often regarded as a game of finance. Here’s how you can best understand the financing options and strategies to suit your portfolio.

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Australia’s interest rate future: When will the RBA cease rate hikes?

The Reserve Bank of Australia’s (RBA) aggressive, inflation-stemming cash rate hiking cycle has left many Australian...
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INSIDE COMMERCIAL PROPERTY: Balancing the finance books behind commercial portfolios

It’s no secret that a healthy balance sheet is a pillar to successful commercial real estate investing. So on the...
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Over 1 million mortgagors ‘at risk’ of mortgage stress: Roy Morgan

Mortgage stress increased to the highest level since July 2013 in the three months to December 2022, with almost a...
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Annual inflation balloons to 30-year high

The Australian Bureau of Statistics’ (ABS) consumer price index (CPI) data revealed annual inflation reached its...
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5 misconceptions about low-doc loans

What do you know about low-doc loans? Low-document (low-doc) loans have a bad reputation thanks to layers of...
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Investor lending decline is detrimental to renters, expert says

 Tenants in New South Wales, Victoria, and Queensland will get the short end of the stick following a major drop off...
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New lending slows as rate hikes take toll

New analysis has revealed the Reserve Bank of Australia’s (RBA) cash rate hikes have stemmed the nation’s property...
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Almost 1 in 3 mortgagors plan to refinance in 2023: Mortgage Choice

A survey commissioned by Mortgage Choice has found that almost one-third of home loan customers are considering...
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Beware of fake puppies and other holiday scams

Fraudsters are hard at work trying to con you over Christmas, says the Assistant Treasurer.
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5 key downsizer risks for younger SMSF clients

With the reduced age for downsizer contributions now passed, investors have been reminded of its potential...
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When should you let an investment property go?

It’s easy to get caught up in the excitement of investing in property and forget that each investment is a business...
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Size of refinanced loans up 6% in October: Joust

“Over-extended” borrowers with larger home loans rushed to refinance in October as rapid rate hikes eat into their...
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Property Finance Uncut: RBA delivers Christmas rate rise pain — Here’s how borrowers should spend their holidays

With the Reserve Bank of Australia delivering a year-end rate pain and borrowers facing a dreaded “mortgage cliff”...
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Home loan deposit schemes have rebranded and expanded — so let’s make sure you’re across the basics for 2023

From the rebranding of existing federal government deposit schemes to increases in price caps for the Home Guarantee...
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RBA apology shows no finger on the pulse

This week, the Reserve Bank of Australia (RBA) governor Philip Lowe publicly apologised to Australian home owners for...
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What is Positive Gearing and how does it work?

As you get started with property investing, you may have heard of the term positive gearing. It is considered a more...
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Regional FHBs come out in droves for government scheme

Since its introduction earlier this year, the Albanese government’s Regional First Home Buyer Guarantee scheme has...
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Decrease in new mortgages highlights extent of NSW downturn

New mortgage volumes have fallen as NSW’s market downturn continues to tighten its grip on the state, according to...
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NSW to get upper hand over other states from historic stamp duty reform

Experts claim that NSW’s first home buyer law and stamp duty reform will shift the market’s direction in the coming...
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Home buyers warned to beware of BNPL

An alarm has been raised about the pitfalls of “buy now, pay later” (BNPL) for those looking to get a home loan.
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Why are investors getting stuck on the sidelines?

Tighter lending standards and high borrowing costs are continuing to throw a wrench in the works for buyers looking to...
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Does a 2.85% cash rate push Australia towards ‘uncharted waters’?

Tuesday’s decision by the Reserve Bank of Australia (RBA) to raise the cash rate to 2.85 per cent, the highest in...
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21.1% of mortgagors ‘at risk’ of mortgage stress: Roy Morgan

Rising interest rates have resulted in an estimated 948,000 mortgagors being “at risk” of mortgage stress,...
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Property still a big SMSF advice issue, says AFCA

One-stop shops encouraging SMSF property investment and borrowing still continue to account for a sizeable portion of...
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The rate that stops the nation

The Reserve Bank of Australia (RBA) has handed down its penultimate cash rate decision for 2022.
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