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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How can investors improve their loan serviceability?

While the average borrower’s lending capacity has certainly dropped upwards of $100,000 in a mere matter of months,...

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When will the market bottom out?

Despite CoreLogic reporting a consistent cooling of Australia’s housing market decline since the back end of last...

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Keeping the inflation target between 2–3% is ‘alarming’: Mark Bouris

It’s time to reposition the Reserve Bank of Australia’s (RBA) inflation target, according to the financial and...

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Property Finance Uncut: Don’t let RBA’s latest rate hike land you in mortgage prison

Amidst another RBA rate hike in March, Australians are not only facing the looming threat of falling off the mortgage...

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RBA makes March cash rate call

Following February’s decision to enact a ninth consecutive cash rate increase, Australia’s central bank has made...

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Latest lending figures paint grim picture for construction

The Australia Bureau of Statistics’ (ABS) January lending figures revealed building approvals dipped to a...

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Rising rates ‘crippling’ lending to investors, expert says

An expert warned that the rental crisis affecting the country is set to “get even worse”, as the Reserve Bank’s...

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Older Australians to ‘downsize sooner’: CEO

Worsening financial conditions will motivate elderly home owners to downsize sooner than expected, according to a...

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Fears further rate rises could grind Australia’s economy to a halt

An industry heavyweight has urged the Reserve Bank of Australia (RBA) to hit the cash rate brakes ahead of its second...

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Borrowers’ hands tied by APRA’s serviceability buffer

Keeping the interest rate buffer at 3 per cent presents a major “roadblock” to both new and existing borrowers,...

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Will you fall off the fixed rate ‘cliff’? Here’s 5 things to know

For many home owners, the looming fixed rate cliff presents itself as one of the greatest challenges for the year...

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How to tackle the looming ‘fixed-rate cliff’

Hundreds of thousands of borrowers with fixed-rate mortgages face a bumpy road ahead this year as record-low fixed-rate...

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Major consumer survey on taking out a home loan opens

Smart Property Investment is urging its readers to complete a survey about their experiences around taking out a home...

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4 methods which could reduce your home loan

Even with financial stress growing among many Australian households in the face of rising interest rates and inflation,...

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Property Finance Uncut: RBA serves up first 2023 rate hike – Stop overpaying on your mortgage

With the RBA serving up a 25-basis-point rate hike in February, can borrowers continue to hold the line? While the...

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RBA dishes out 2023’s first cash rate decision

Two months after its last meeting, the Reserve Bank of Australia (RBA) has delivered its debut cash rate decision of...

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Expect property price declines of up to 11% in 2023: Report

With interest rate rises weighing on prices, a new outlook report is forecasting property price falls of between 7 and...

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How this investor cracked the property finance code with just $5k

Is it possible to climb the property ladder with just $5,000 in your bank account? This first-time buyer did just that...

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Australia’s interest rate future: When will the RBA cease rate hikes?

The Reserve Bank of Australia’s (RBA) aggressive, inflation-stemming cash rate hiking cycle has left many Australian...

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INSIDE COMMERCIAL PROPERTY: Balancing the finance books behind commercial portfolios

It’s no secret that a healthy balance sheet is a pillar to successful commercial real estate investing. So on the...

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Over 1 million mortgagors ‘at risk’ of mortgage stress: Roy Morgan

Mortgage stress increased to the highest level since July 2013 in the three months to December 2022, with almost a...

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Annual inflation balloons to 30-year high

The Australian Bureau of Statistics’ (ABS) consumer price index (CPI) data revealed annual inflation reached its...

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5 misconceptions about low-doc loans

What do you know about low-doc loans? Low-document (low-doc) loans have a bad reputation thanks to layers of...

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Investor lending decline is detrimental to renters, expert says

 Tenants in New South Wales, Victoria, and Queensland will get the short end of the stick following a major drop off...

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New lending slows as rate hikes take toll

New analysis has revealed the Reserve Bank of Australia’s (RBA) cash rate hikes have stemmed the nation’s property...

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