Why your Mortgage Strategy is more important than your interest rate! (Ep. 9 )
Do you have a mortgage strategy for your largest expense in your lifetime – or have you focused on a short-term win – your interest rate?
What if I told you that you can have the best of both worlds, a great mortgage strategy AND interest rate!
In our 9th episode, the Property Planner, Buyer and Professor dissect “Why your mortgage strategy is more important than your interest rate”.
This isn’t simply about paying down your mortgage faster. Everyone understands that!
Listen to David Johnston, Cate Bakos and Peter Koulizos as they take you through the key mortgage strategies that the mortgage industry neglects, resulting in a lack of awareness for consumers, and the critical mistakes to avoid.
How to turn your first home into an investment property when upgrading
David Johnston wrote this article for Domain on August 6, 2019 and it was also published in The Age and The Sydney Morning Herald. Home owners considering upgrading may be wondering whether it’s possible to keep their current home and convert it to an investment...
How to assess and select property like an A-grade Buyer’s Agent (Ep. 7)
You will be taken on a journey of discovery through the maze of property, mortgage and money decisions to empower you to create your ideal lifestyle! You will be educated and receive fiercely independent insights.
In this episode, “How to select property like an A-grade buyer’s agent”, our Property Planner, Buyer and Professor will be discussing:
1.The keys to selecting quality assets – whether you are purchasing a home or investment.
2.Why a bargain may not be all it’s cracked up to be.
3.Critical traps that could mislead you on your property hunt – and how to avoid them!
Four critical mortgage offset strategies!
The offset account is the bank’s greatest invention!Most people understand that an offset account will reduce the interest payable on your mortgage 356 days a year in exactly the same way the interest would be reduced if it was paid directly into a loan. What many people are unaware of is that there are many more ways that the effective use of offset accounts can enhance your ability to pay less tax, hold properties, manage risk and improve your cash flow.
What determines your Property Strategy (Ep. 6)
You will be taken on a journey of discovery through the maze of property, mortgage and money decisions to empower you to create your ideal lifestyle! You will be educated and receive fiercely independent insights.
In this episode, “What determines your Property Strategy”, our Property Planner, Buyer and Professor will be discussing:
1. How do you decide whether your next purchase will be lifestyle or investment?
2. What is your financial return focus? And how does this apply to you when purchasing a home?
3. Are you provisioning for future plans?
4. Do you know how many properties will be required in your portfolio to enable you to meet your goals?
5. How your Mortgage Strategy is a critical element in helping you achieve your Property Strategy.
6. Typical mistakes and how to avoid them!
Why short-term investing has long-term consequences
David Johnston wrote this article for Domain on July 4, 2019 and it was also published in The Age and The Sydney Morning Herald. Property is a unique asset class, particularly considering the amount of money outlaid on costs other than the asset itself each time a...
Big thank you to Paul Glynn for the wonderful feedback!
We get’s heaps of wonderful feedback from our clients, and every now and then with permission we will share one with you . Paul Glynn provided amazing feedback to four team members in reply to an email from our Managing Director David Johnston who was congratulating...
Statement by Philip Lowe, Governor: Monetary Policy Decision
At its meeting today, the Board decided to lower the cash rate by 25 basis points to 1.25 per cent. The Board took this decision to support employment growth and provide greater confidence that inflation will be consistent with the medium-term target. The outlook for...
The Game Plan
We are on a quest to find a better way for every process and everything we do. This obsession never ends; it’s our passion, its’ part of our DNA. If it’s ‘good’, make it ‘great’. If it’s ‘great’, take it to a higher level! We take responsibility for our own actions as...
Careers
It takes an innovative group of people to remain on the cutting edge of the financial advice industry incorporating the property decision. That's why Property Planning Australia is continually looking for motivated and client focused people with a positive attitude to...
