Finance advice

Consolidating your debt

By Robert Projeski

Robert Projeski SmallConsolidating your credit card debt at home loan rates can be an effective way to reduce the interest paid and sets you up to be better off in both the short-term and the long-term.

Blogger: Robert Projeski, Australian Mortgage Options

Silly season is well and truly over, and consumers are now facing the hangover from this period. Credit card bills are now in and consumers have to pay off all those summer days on the beach, holidays, and bottles of champagne that went on the cards.
 
With the credit cards weighing people down as they meander back to work, smarter consumers are seeking comfort in the fact that they are going to consolidate their credit card debts at home loan rates and save themselves considerable money with the lower interest rates.
 
Buyers who purchased property over the past 12 months in Sydney have in some cases enjoyed capital growth of approximately 15%. With the average house price in Sydney now sitting at around $650,000, homeowners on average are approximately $100,000 wealthier today than this time last year.  Homeowners can either struggle under high credit card interest repayments, or take advantage of the wealth created in their property that has accumulated over this period to pay out these debts and move into 2014 without the weight of a high interest credit card debt.
 
So how does this work? There is generally a considerable difference between the interest rate consumers pay on their credit card repayments and their home loans. Credit cards can attract a rate of up to 20% interest, whilst home owners are now enjoying the lowest interest rates in 50 years and are paying around 5 % to 6%, depending on the product and lender.
 
The capital growth enjoyed by Sydney homeowners over the last 12 months means that they have increased equity in their properties; this allows homeowners to increase their lending capacity. Homeowners can use the increased equity in their property to borrow money to pay off their credit card debt. They can use this equity and set up a separate account to consolidate any debts that are at a higher rate.
 
As an example, if a $20k credit card debt at the rate of 18% and payments at $600 per month, this can be a considerable burden on their cash flow.
 
If we used the equity, this would bring the minimum repayment down to $110 per month.  But if they opted to pay the $600 per month, they would pay out the credit card portion in less than 3 years.
 
This method should save you a considerable amount of money and hopefully you’ll have a little more money in your pocket.


About Robert Projeski
Robert Projeski

In the late 90’s, Projeski broke away from the banking industry with the goal of helping borrowers pay off their mortgages sooner. His formula worked and AMO is now considered one of the leading independent mortgage management firms in Australia, operating with the philosophy “we will show you what the others don’t want you to know”.

http://amo.com.au/


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podcast

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Karen Davies is a regular listener of the Smart Property Investment Show and is almost ready to leap into the world of property investment in Australia. Taking advantage of her position as a first home buyer and utilising her super for her first investment deposit, Karen shares her plans with host Phil Tarrant. 

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She shares the life altering changes that she will need to make to purchase a property using the strategy which she wishes to employ and discusses how her career changes which have seen her transition from music management to engineering in just seven years have prepared her for such movements.
 
Karen unpacks the strides that she has made so far toward her first property investment, the process of using funds from her super as a deposit and her plans for building a portfolio going forward.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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      More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

      " ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-19 06:00:15" ["slug"]=> string(80) "18568:creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" ["catslug"]=> string(20) "82:property-showcase" ["link"]=> string(108) "/podcasts/property-showcase/18568-creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" }
Creating equity in a falling market and a long-term view of what to expect

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