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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If Mark Hodge’s face looks familiar to you it could be because of his time working as a professional entertainer which saw him working with the Australian ballet, appearing on multiple seasons of Dancing with the Stars and touring in musical theatre for 17 years. What you may not know is that Mark is also heavily involved in the short-term property rental marketspace.

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Mark joins host Phil Tarrant to discuss his transition from entertainer to investor, a journey pushed forward by dance related injuries and even a hit and run which saw him needing to find alternate methods to bring in an income. Mark shares how bad long-term tenants and a gang member guided him to the short-term rental market, and how this pushed him into helping others to realise the same benefits.

Mark will also address the common concerns, discuss what his company Maisonnets specialise in and unpack how they are making the process of filling short term rentals easier for investors.

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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AREAS MENTIONED:

Melbourne
Sydney
Rushcutters Bay
Maroubra
Potts Point

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From pirouettes to property investment
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Jillian Stewart's investment journey began in 2009 with a property loan being used for anything but - and the purchase of half a house. And while she claims to have done everything wrong along the way, her current portfolio boasting 15 (and a half) properties, suggests otherwise.

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On this episode of the Smart Property Investment Show, Jillian joins host Phil Tarrant to unpack her portfolio and explain the reasoning behind her investment decisions. She discusses her plan to purchase through the company and reveals the link between her properties, earth moving and cotton farming.

One of Jillian's daughters joins in briefly to discuss the value in educating children about money, and how another is just about ready to purchase her first property - while still at school! They also reveal how Jillian encourages her children to grow wealth in a move that many kids might not be too happy about.

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:

Slowing rents show rental properties need clear differentiation
Where are listings seeing the biggest rises and falls?
Country v city and how to beat the assumptions


AREAS MENTIONED:

Moree
Inverell
Walgett
Come By Chance
Sydney
Stuarts Point
Kempsey
Northam
H
exham
Hervey Bay
Craignish
Nurrumba
Dysart
Inverell
Tannum Sands
Mackay
B
oomi
Goondiwindi
Deception Bay

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Half a house to more than 15 in 8 years
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  string(5) "18251"
  ["title"]=>
  string(58) "Where the major off-the-plan hotspots are around Australia"
  ["alias"]=>
  string(58) "where-the-major-off-the-plan-hotspots-are-around-australia"
  ["introtext"]=>
  string(231) "

Buying off-the-plan can be lucrative in the long run, if you can get over the risk factor. If you want to minimise the risk and maximise your chances at profitability, these suburbs might be just what you’re looking for.

" ["fulltext"]=> string(3007) "

Outlined in The Australian Off The Plan Sentiment Report, published by Investorist, Domain’s data scientist Dr Nicola Powell has outlined where in major markets investors should focus their efforts when purchasing property off-the-plan:

Sydney

The south-west region of Sydney has seen an increase of interest in new developments, with Leppington, Austral and Edmondson Park, as well as Marsden Park, which all offer the widest variety of developments available to buy into, according to Domain data.

Sydney was also the most popular capital city for off-the-plan interest, with Domain recording over 2 million views for the property type.

Brisbane

The increased number of new developments has impacted on price growth in the unit market with supply stronger than demand, yet off-the-plan listing prices remain higher than listing prices for all new developments.

The full extent of the market however is yet to be seen, as it is adjusting with the fall of new development commencements and completed developments slide from the peak. Boutique developments in the inner city, targeted towards owner-occupiers, have the potential to show signs of improvement amid underperforming inner city Brisbane units.

Canberra

The key area in all of Canberra is Gungahlin, which according to Dr Powell contains numerous opportunities for buyers, as the area has seen a “significant transformation”.

Gungahlin currently is Canberra’s fastest growing area, seeing its population double in the last 10 years, there is a light rail project under construction and the first commonwealth government agency is scheduled to relocate to the area. Moncrieff is the most popular Gungahlin suburb, with the most development listings and views according to Domain data and has continued to remain popular even with other developments undergoing construction in Throsby, Taylor and Kenny.

Melbourne

Out of all the property types, new house and land packages topped Domain’s list for Victoria in 2017 with 1.8 million views, showing there is high demand for them due to employment opportunities getting stronger and affordability hurdles getting lower. There is also a solid chance for growth, as the strong demand saw prices for new house and land packages rise over 2017.

West Melbourne was the most popular region for off-the-plan supply and demand with the most listings and views, with popular suburbs including Tarneit, Werribee and Rockbank.

Perth

Demand for new house and land packages were proportionally high, making up 87.5 per cent of all listing views, with the majority of listings stemming from south-west and south-east regions of Perth, with the suburbs Baldivis, Piara Waters, Wellard and Hilbert ranking at the top.

There was also strong demand for listings in the north, which include the north-east suburb of Morley and the north west suburb of Doubleview.

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Where the major off-the-plan hotspots are around Australia

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