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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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Goodbye 2% as last big four bank lifts fixed rates

The National Australia Bank (NAB) has become the final big lender to raise its fixed rate loans, effectively putting...

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RBA delivers December cash rate call

For the last time in 2021, the Reserve Bank of Australia has handed down its decision on the cash rate.

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6 reasons negative gearing may not be a great investment idea

Are you thinking of buying a property that will cost you some money to hold every year, which is popularly used and...

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Framing your finances for new opportunities

Smart Property Investment’s Phil Tarrant sits down with Paul Glossop, CEO of Finni Mortgages, to help first-time...

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What’s your tolerance for interest rate rises?

Low-interest rates may present an opportune moment to add further properties to your portfolio, but a mortgage expert...

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Strong Perth market helps property investors expand their portfolio

Property owners in Perth are taking advantage of the rising market to jump start their investment portfolios.

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Are Aussies growing complacent around interest rates?

A majority of Australian borrowers and renters could not meet a mortgage or rent increase equivalent to a rate rise of...

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‘We take no comfort in the current record prices’: REIA

The standing committee on taxation and revenue has heard that Australia’s current housing affordability issues are...

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Why anticipated property price cuts may not materialise

In response to the red flag raised by the Reserve Bank of Australia (RBA), property brokers’ groups think the...

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All big four banks raised mortgage rate in October

NAB, Australia’s third-largest bank, has changed its home loan rates dramatically, the majority of which have...

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RBA hands down November cash rate decision

It’s the rate that stops the nation. The Reserve Bank of Australia (RBA) has revealed its cash rate decision for...

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New home loan rules are here: What you need to know

From 1 November, banks must ensure that new home loan applicants would be able to repay their mortgage at a new rate...

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Victorian landlords eligible for air conditioning rebate

Victoria has opened up an existing rebate for energy-efficient heating and cooling units to give landlords of...

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Home ownership dream shattered over the generations as deposit hurdle grows for first home buyers

The evidence continues to mount, proving that it is much harder for the younger generations to get a foot into the...

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Investors flock to QLD as vacancy rates stay ridiculously low

Showcasing the popularity of Queensland as an investor haven, new investor loan commitments in the state reached $1.86...

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Australian home loan affordability at its lowest since 2016

With house prices continuing to soar, home loan affordability significantly dropped.

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4 things borrowers can do with an increase in equity

Thanks to the property boom pushing up property prices Australia-wide, many property owners aren’t...

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Is ‘ultra-cheap’ funding on its way out?

A second big four bank has gone and hiked its fixed home loan rates for owner-occupiers.

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Why tax breaks for retirees could be key to shaking up supply

Is a significant real estate bottleneck being caused by older Australians hanging on to their properties, rather than...

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Federal Treasurer backs economic recovery as NSW emerges from lockdown

EXCLUSIVE: As New South Wales today transitions out of lockdown, and with Victoria soon to follow, the federal...

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Victoria launches $500m home buyer fund

In a bid to get more residents into their own homes, the Victorian government has announced its launch of a broad-based...

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How might APRA’s intervention affect the property market?

First home buyers and investors have both been pegged as the biggest losers of APRA’s recent lending announcement –...

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APRA boosts lending buffer to cool home loan risks

APRA hopes changing the rules around how banks assess the serviceability of home loans will cool rising household debt...

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New findings reveal investors want fast flexible rental payments

Landlords are looking for more control over when they receive rental income, with only one in 20 investors being...

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Should lending be limited to 6x income?

Debt-to-income ratio limits: do they help, or hinder? With the average property in Australian capital cities now over...

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