by Mark Causer & Brendan Gallagher
The Treasurer, Scott Morrison, has now delivered the 2017 Federal Budget.
As with every Budget, from an individual’s perspective, there are perceived winners and losers.
This year, home ownership affordability and related activities to further liquidate the Australian property market takes a lot of the limelight.
Importantly however, these Budget proposals are exactly that, proposals. It is important to remember this, but equally relevant to consider the strategy(ies) that you may now be able to apply to suit your individual circumstances.
by Mark Causer and Dr Shane Oliver
But is the financial landscape changing sufficiently to allow property to take a well-deserved break from the headlines, at least here in Australia?
To help us with the question which is on the lips of millions of Australian’s, AMP’s Chief Economist, Shane Oliver, walks us through his current views.
by Mark Causer
Who has the time to research all the banks in the market for their loans, let alone understand each one of their loan products? You could spend weeks if not months searching for the best deal that ultimately may or may not meet your needs and probably come away even more confused than when you started.
This is why many people simply head straight to their bank when it comes time to apply for a home loan or any other finance for that matter. Is this the smartest thing to do? Many experts warn, that you may be missing out on significant savings and benefits if you do.
by Amy Williams & David Evans - O'Neill Partners
Purchasing a property is, for most people, the biggest financial transaction in their lives. Interesting then, that the required process of conveyancing is often viewed as a chore or a nuisance rather than a key aspect in risk management. Financial Keys has asked O’Neill Partners solicitors, specialists in Conveyancing, to give us an overview of the tension between risk and cost in the Conveyancing process.
Self-Managed Super Funds (“SMSFs”) investing into direct property is nothing new. Although there have been changes to the ways in which SMSFs can use leveraging to now purchase direct property associated with an SMSF, property as an investment inside a superannuation fund has been a popular choice.
The question is, is this a wise investment for an SMSF? Furthermore, if you are considering leverage, is the SMSF structure the best option or is the SMSF’s preserved capital merely being used to avail the Australian dream of property ownership?
by Matthew Congiusta
Australia’s Reserve Bank (RBA) cut the official interest rate in August by 0.25% to 2.50%, the lowest level in over 50 years. The major banks have predominantly passed on this cut by reducing their mortgage rates for home owners. This article will examine why is it that rates have fallen as far as they have, what is the outlook for interest rates in Australia, and finally what people with home loans should be doing to take advantage of the current low-rate environment.
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