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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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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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Almost 1 in 3 mortgagors plan to refinance in 2023: Mortgage Choice

A survey commissioned by Mortgage Choice has found that almost one-third of home loan customers are considering...

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Beware of fake puppies and other holiday scams

Fraudsters are hard at work trying to con you over Christmas, says the Assistant Treasurer.

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5 key downsizer risks for younger SMSF clients

With the reduced age for downsizer contributions now passed, investors have been reminded of its potential...

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When should you let an investment property go?

It’s easy to get caught up in the excitement of investing in property and forget that each investment is a business...

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Size of refinanced loans up 6% in October: Joust

“Over-extended” borrowers with larger home loans rushed to refinance in October as rapid rate hikes eat into their...

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Property Finance Uncut: RBA delivers Christmas rate rise pain — Here’s how borrowers should spend their holidays

With the Reserve Bank of Australia delivering a year-end rate pain and borrowers facing a dreaded “mortgage cliff”...

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Home loan deposit schemes have rebranded and expanded — so let’s make sure you’re across the basics for 2023

From the rebranding of existing federal government deposit schemes to increases in price caps for the Home Guarantee...

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RBA apology shows no finger on the pulse

This week, the Reserve Bank of Australia (RBA) governor Philip Lowe publicly apologised to Australian home owners for...

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