Strategic Mortgage Broking Resources
What is mortgage strategy
  1. Why your mortgage strategy is more important than your interest rate (MSP)
  2. Five mortgage strategies that can grow your wealth – https://propertyplanning.com.au/five-mortgage-strategies-that-can-grow-your-wealth/
  3. Money management
  4. Offset strategy
  5. Risk management – Sections: Mortgage Strategies (all), Risk management
  6. Holding property –  Sections: Mortgage Strategies (all), Holding Property
  7. Optimising tax deductions (MS Principles) – Sections: Mortgage Strategies (all), Optimising tax deductions, Investor, Rentvester)
  8. Repayment strategies
Optimising tax deductions
  1. Tax (PP Principles) – Sections: Investor, Rentvester, Development, Tax, Optimising tax deductions
  2. Good debt v bad debt (MSP)
  3. Your mortgage strategy at purchase time is critical (MSP)
  4. The purpose test – what determines tax deductibility (MSP)
  5. Limits, balances and redraw (MSP)
  6. 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

  1. How to turn your first home into an investment property when upgrading (MS Principles) – Sections: Investor, Home Buyer, Upgrader, Holding Property)
  2. Holding property (MS Report)
  3. 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)
  1. Offset strategy content in MSP
  2. 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
  1. Risk Management – Sections: Mortgage Strategies (all), Risk management
  2. Repayment management (MSP) – Sections: Risk management, repayment strategies
  3. LVR risk  (MSP)
  4. Cross collateralisation (MS Principles) – Sections: Risk Management, Cross collateralisation
  5. Single lender v multi-lender (MS Principles) – Sections: Risk Management, Cross collateralisation
  6. Ownership structure – (MSR)
  7. Insurances (MSR)
  8. Fixing, variable or a mix (MSR)
Money Management
Repayment strategies (MSP)
  1. Repayment strategies (MSP) Cross check the differences between the domain article and the MS principles
  2. How to turn your first home into an investment property when upgrading (MS Principles) – Sections: Investor, Home Buyer, Upgrader, Holding Property)
  3. Holding property (MS Report)
  4. 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
  1. Fixed v variable (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
  2. Not fixing the whole amount (MS principles) – Fixing Variable or a mix (MS Report) – Sections: Home Loans, Home loan interest rates, repayment strategies
  3. P&I v IO (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
Should I fix?
  1. Fixed v variable (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
  2. 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?
  1. Borrowing capacity – Sections: Home loans, Credit score
  2. Different home loan types (from HLE)
    1. Borrowing capacity – Sections: Home loans, Credit score
    2. Investment
    3. Home equity
    4. Self-employed
    5. Guarantor
    6. Bad credit/credit score – Sections: Home loans, Credit score
    7. Trust
    8. Doctors
    9. Unusual employment
    10. Fixed v variable (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
    11. Not fixing the whole amount (MS principles) – Fixing Variable or a mix (MS Report) – Sections: Home Loans, Home loan interest rates, repayment strategies
    12. P&I v IO (MS principles) – Sections: Home Loans, Home loan interest rates, repayment strategies
    13. ATO debt home loans
    14. Genuine savings
    15. Refinance rebates – Sections: Home Loans, Lender Reviews
    16. No deposit
    17. Low deposit
    18. Australian expat
    19. Non-resident
    20. LMI
    21. Waived LMI
    22. Low doc
  3. Business loans
    1. Commercial property loans
  4. Lender Reviews
    1. 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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