Should you own or lease your office space?

Every business goes through natural cycles. The start is the most stressful time where money is flying out the door and there’s not much coming back in!

Eventually though, things start to become more established. Cash flow evens out and in doing so, one of the questions you might have is, “I love our office but why are we spending all this money on the lease when we could own it ourselves?”

Read More
Tim Russell
All you need to know about bridging finance

They say that purchasing your first property is the most stressful thing you’ll ever do. For those that have done it, I’m sure you’ll attest to this fact. However, in my opinion, your first property doesn’t compare to the eventual upgrade in which you need to sell your current property in order to move into a new one.

 

Read More
Tim Russell
What's ahead for commercial finance in 2018?

Similar to Australia’s recent 4-0 Ashes victory, it’s fair to say looking back at 2017 that commercial property markets had a good run!
 

So what’s ahead in 2018? Well, it’s always a bit of fun to make a few predictions at the start of the year and then look back later on to see how they panned out.

Below are my four predictions for what’s install for commercial markets this year…

Read More
Tim Russell
Why Bank Policy is Going to Matter Even More in 2018

Since the introduction of APRA regulations in 2015, the overall market has flattened due to tougher lending criteria resulting in borrowing capacities greatly diminishing.

There are no signs these regulations will disappear this year. However, what we have seen during this time, particularly over the last 6 months are smaller lenders, not governed by APRA creating niche policies to capture certain segments of the market.

Read More
Tim Russell
Three questions to ask before you refinance

The home loan market is constantly changing, with new and attractive deals coming up all the time. Refinancing can help you secure a more competitive interest rate, access the equity in your home, add features (such as an offset account) or consolidate your debts, but there are some important questions to consider before you get the ball rolling.

Read More
Tim Russell
The loan process: 10 steps you need to take in order to purchase your first property

When it comes to buying your first home it’s not just about going through the real estate sites, checking open homes and negotiating a price. If you don’t have your finance in place BEFORE you start looking, trouble is bound to follow.

This post will seek to outline the 10 steps involved in the lending and buying process, from the beginning right through to walking into your new home for the very first time...

Read More
Tim Russell
Why such fantastic growth for commercial properties?

Recently I had the pleasure of being invited to the Spring 2017 Raine & Horne Commercial Insights event. Hosted by Ray Hadley, the event included a number of brilliant speakers such as Nerida Conisbee from REA, Martin Lakos from Macquarie and Angus Raine, Executive Chairman for Raine & Horne.

Read More
Tim Russell
How to access equity in your property

It goes without saying that if you have a home loan, your first goal should be to work on paying that thing off! As such, the way home loans tend to pan out is that you will have minimal savings as all your money is going towards reducing your home loan.

Read More
Tim Russell
Why you need to think about buying your next office via your super fund

If you’ve ever looked into setting up an SMSF, you’ll notice that a lot of experts will discount the benefits of one with high fees being the main deterrent.

However, one strategy that no expert will discount is purchasing your office via your super fund. This article will explore some of the advantages of implementing this strategy but also some of the concerns you need to be aware of.

Read More
Tim Russell
How to buy property through super

It's a strategy that is becoming increasingly popular every year, using your super fund to purchase an investment property...

There is no doubt that Australians have a love affair with residential property, and after the release of the Core Logic August 2015 Housing Market & Economic Update it seems this affair is getting out of control. Residential real estate across Australia has now ballooned out to $6.0 trillion. This means that residential real estate is now 3 times as large as superannuation!

Read More
Tim Russell