Strategic Mortgage Broking Resources
Resources
What is mortgage strategy
- Why your mortgage strategy is more important than your interest rate (MSP)
- Five mortgage strategies that can grow your wealth – https://propertyplanning.com.au/five-mortgage-strategies-that-can-grow-your-wealth/
- Money management
- Offset strategy
- Risk management – Sections: Mortgage Strategies (all), Risk management
- Holding property – Sections: Mortgage Strategies (all), Holding Property
- Optimising tax deductions (MS Principles) – Sections: Mortgage Strategies (all), Optimising tax deductions, Investor, Rentvester)
- Repayment strategies
Optimising tax deductions
- Tax (PP Principles) – Sections: Investor, Rentvester, Development, Tax, Optimising tax deductions
- Good debt v bad debt (MSP)
- Your mortgage strategy at purchase time is critical (MSP)
- The purpose test – what determines tax deductibility (MSP)
- Limits, balances and redraw (MSP)
- How to turn your first home into an investment property when upgrading – https://propertyplanning.com.au/how-to-turn-your-first-home-into-an-investment-property-when-upgrading/
Holding property
Cross check the differences between the domain article and the MS principles
- How to turn your first home into an investment property when upgrading (MS Principles) – Sections: Investor, Home Buyer, Upgrader, Holding Property)
- Holding property (MS Report)
- Domain article- How to turn your first home into an investment property when upgrading – https://propertyplanning.com.au/how-to-turn-your-first-home-into-an-investment-property-when-upgrading/
Offset strategy (MSP)
- Offset strategy content in MSP
- Four critical mortgage offset strategies! (please note – this article was for property weekly, not domain advice, so do not include it under Domain Advice section) – https://propertyplanning.com.au/four-critical-mortgage-offset-strategies/
Risk Management
- Risk Management – Sections: Mortgage Strategies (all), Risk management
- Repayment management (MSP) – Sections: Risk management, repayment strategies
- LVR risk (MSP)
- Cross collateralisation (MS Principles) – Sections: Risk Management, Cross collateralisation
- Single lender v multi-lender (MS Principles) – Sections: Risk Management, Cross collateralisation
- Ownership structure – (MSR)
- Insurances (MSR)
- Fixing, variable or a mix (MSR)
Money Management
Repayment strategies (MSP)
- Repayment strategies (MSP) Cross check the differences between the domain article and the MS principles
- How to turn your first home into an investment property when upgrading (MS Principles) – Sections: Investor, Home Buyer, Upgrader, Holding Property)
- Holding property (MS Report)
- Domain article- How to turn your first home into an investment property when upgrading – https://propertyplanning.com.au/how-to-turn-your-first-home-into-an-investment-property-when-upgrading/
What impacts interest rates
- Fixed v variable (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
- Not fixing the whole amount (MS principles) – Fixing Variable or a mix (MS Report) – Sections: Home Loans, Home loan interest rates, repayment strategies
- P&I v IO (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
Should I fix?
- Fixed v variable (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
- Not fixing the whole amount (MS principles) – Fixing Variable or a mix (MS Report) – Sections: Home Loans, Home loan interest rates, repayment strategies
What is credit scoring, Sections: Home loans, Credit score
How much can i borrow?
- Borrowing capacity – Sections: Home loans, Credit score
- Different home loan types (from HLE)
- Borrowing capacity – Sections: Home loans, Credit score
- Investment
- Home equity
- Self-employed
- Guarantor
- Bad credit/credit score – Sections: Home loans, Credit score
- Trust
- Doctors
- Unusual employment
- Fixed v variable (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
- Not fixing the whole amount (MS principles) – Fixing Variable or a mix (MS Report) – Sections: Home Loans, Home loan interest rates, repayment strategies
- P&I v IO (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
- ATO debt home loans
- Genuine savings
- Refinance rebates – Sections: Home Loans, Lender Reviews
- No deposit
- Low deposit
- Australian expat
- Non-resident
- LMI
- Waived LMI
- Low doc
- Business loans
- Commercial property loans
- Lender Reviews
- Refinance rebates – Sections: Home Loans, Lender Reviews
Should I Cross Collateralise?
Should I Cross Collateralise? (MS Principles) – Sections: Risk Management, Cross collateralisation
Single lender V Multiple lender strategies
Single lender V Multiple lender strategies – (MS Principles) – Sections: Risk Management, Cross collateralisation
Home loan template documents
Home loan template documents – templates for accountant letter, gift letter, statutory declarations
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