Australian Economy: Recovery Expected with Mortgage Rate Cuts in 2025 After experiencing its slowest growth rate in 33 years outside the COVID-19 pandemic period, the Australian economy is expected to enter a recovery phase in 2025, fueled by mortgage rate cuts. This outlook is based on positive economic forecasts released by Commonwealth Bank and KPMG. … Read more
How Refinancing Helped Reduce Monthly Payments and Secure Cash Hello! Today, we’re sharing a real-life refinancing case that shows how a couple managed to lower their monthly mortgage repayments and even secure extra cash in the process. First Home Purchase and Initial Loan Terms Three years ago, a couple bought their first home for $600,000, … Read more
Australia’s Federal Election: Key Issues? Housing and Infrastructure Investment Although the date for Australia’s federal election has not yet been announced, the atmosphere feels like we’re already in election mode. With political parties unveiling their distinct promises to win over voters, today we’ll delve into two standout topics: housing support and infrastructure investment. 🏡🚗 Housing … Read more
The protagonists of this story are a newlywed couple in their early 30s. Three years ago, they purchased their first home, a property worth $800,000, with a $640,000 loan to start their new life together. Since then, they have diligently paid off their loan, reducing it to $550,000. Recently, the husband transitioned to a new … Read more
“Can We Invest in Real Estate Through Our SMSF?” This is a practical question many people ask when planning for retirement. Today, we’ll share a hypothetical scenario about a couple living in NSW who invested in a $750,000 property in Queensland through their SMSF (Self-Managed Super Fund). Learn how SMSF can help grow assets and … Read more
Today, we’ll explore the story of a 50-year-old single investor planning financial stability by purchasing a property in New South Wales (NSW) through their SMSF (Self-Managed Super Fund). Using a high annual income and unused concessional contributions, this savvy investment strategy aims to achieve long-term tax benefits and asset growth. About the Investor: Current Situation … Read more
Real Estate Investment Case: QLD House & Land Package Today, let me share the story of a couple investing in a House & Land Package in Queensland, aiming to benefit from tax advantages and asset growth simultaneously. This couple, in their early 30s, is taking their first step into real estate investment, leveraging stable incomes … Read more
1. Background Information Property to Purchase: $900,000 Apartment (New South Wales) Income Details: Restaurant Business Income: Recent annual profit of $90,000 Husband’s Income: $50,000 (wage) Wife’s Income: $40,000 (wage) Family Composition: Couple with two minor children Savings: $70,000 (to be used as a deposit) 2. Purchase Plan Purchase Price: $900,000 Loan-to-Value Ratio (LVR): 95% Loan … Read more
1. Background Information Property to Purchase: $370,000 Townhouse (Victoria) Personal Information: Age: Late 20s Single, No Children Income: Annual salary of $67,000 Savings: $23,000 (to be used as a deposit) 2. Purchase Plan Purchase Price: $370,000 Loan-to-Value Ratio (LVR): 95% Loan Amount: $351,500 Deposit (5%): $18,500 (from savings) Stamp Duty: Fully exempt under the First … Read more