Archive for the ‘Lending’ Category

The mortgage situation – why Australia’s housing markets have turned

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The latest numbers are in – not only is the housing market downturn across Australia well underway, but the rate of decline is accelerating.

Sydney saw a steep drop over the quarter, with the median house price down 3.1 per cent ($36,000), the latest Domain House Price Report shows.

Melbourne’s median house … Read More

Speculating vs investing?

There are many ways to make money from property. How you go about it will depend on whether you are a speculator or an investor.

The difference is usually in the timing.

I’m not talking about timing of the market where you buy at the bottom … Read More

Tax Benefits for SMSF Lending

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There are a number of advantages to holding property inside an SMSF, as opposed to owning it in your own name.

1. Concessional tax on rental income
Where you hold an investment property in your own name, tax will broadly be payable based on your personal rate of tax, which could be … Read More

Looking to invest? What can you afford?

It seems that as credit is becoming more widely used and social pressure is increasing, the definition of “afford” is shifting at an exponential and potentially dangerous rate. Using households as an example, Corelogic states that from September 2016, the percentage of family income required for a 20% … Read More

No ban on SMSF property borrowing just yet

According to the Assistant Treasurer Josh Frydenberg, there will be no ban on Managed Super Fund (SMSF) property borrowing. However, it is likely that there will be tougher regulations implemented instead – iBuyNew reports.

During the Tax Institute annual superannuation conference in Sydney on Friday, Mr Frydenberg said that the Abbott government is … Read More