Increased Housing Demand

Recent Flood Crisis Increases Housing Demand

The Brisbane floods has put a small stress on Brisbane and surrounding housing demand.
Brisbane Residential mortgages will reflect this.

There is predicted to be a small shortage of rental properties as the hundred of families with destroyed
housing have to rent in nearby locations. The housing was not under any big stress to start with in Southeast Queensland with vacancy rates only at 10 year averages.

Having available investment properties to rent out is very fortunate for families left with nothing, can find accommodation with some ease hopefully.

Apartment Finance Is Hard For Small Areas

Getting Small Studio Apartment Finance Is Not Improving

Many have struggled when going through the purchasing process for studio apartments.
Some say to just go out and find a bigger unit (50 square meters or more) to save the hassles and
ensure you can get the finance from a respectable lender, at a decent rate.

Its more a choice of which investment is best based on its fundamental merits. Finance isnt the end of the world, although
getting a mortgage to fund the unit is still very important.
Make sure to contact your local mortgage broker to sort your situation

 

New Years Investment Loans

What Are You Investment Goals for 2011

The economy and the unknown of 2011 are heading our way and the lending and real estate market is still
stagnant and somewhat moving slow. we seem to have a two speed economy with north queensland and western australia booming with the mining, however the rest of the country is still just bopping along slowly.

If you were in the hunt for an investment loan or property loan its worth thinking about how the economy and the slow recovery could effect your job security and financial security. Just think and plan for the worst case investment scenario and like the thought of the best. Results are unknown.

Same old story, take care and protect your own interests.

Christmas Time And Mortgage Loans

Going For A Loan After Christmas

After christmas the economy will be in a unique position and the first two or three months will
show the colors of the rest of the year. Retail spending figures will be out soon and
we will see how people treated the big occasion and whether they are still looking to splurge or save

Setting aside money for an investment mortgage is hard at this time of year so having the pressure of christmas spending makes it
a huge hurdle. With a lot of hopes pinned on the economy having a better recovery in 2011, investments are slowly coming back in to
favor. Buying investment property is also looking like a better option with optimism about long term investments recovering also

Time will tell.

Mortgage Insurance Can Be A Killer

Mortgage Insurance Stops More Deals Than Anything

Having to front up with mortgage insurance can be a massive loan hurdle and

catches many potential investors out. It can amount to tens of thousands of dollars 

and is necessary to get a loan with a high loan to value ratio (LVR).

That said being able to borrow a higher amount can sometimes offset this cost. it is a true cost when working out you budget though.

It is a real tangible cost of getting a loan. With the current lending restrictions due to the global financial lowering borrowing, some nutrually come under 

the mortgage insurance threshold any way. Its a n unfortunate bonus either way!

Your Property Mortgage Specialists
1300 323 544
http://investment-mortgages.com.au/

Will Bank Reforms Help Mortgages

Bank Reforms All Talk and No Help To Mortgage Payers

The banking reforms do not seem to be making many waves in the banking world for all the hype.
The reforms will probably not even help increase competition with many saying its actually
going to just help thee big four banks!

This was some what emphasized in stock market trading with investors moving back in the the big four
banks who hold the majority of mortgages in Australia.
What many say we need is government guarantees given to the banks who actually need it! The big four are as stable as
ever and do not need any free giveaways from tax payers.

If we are going to ever have competition in the mortgage industry it certainly isn't going to happen any time soon with our current
reforms.

Investment Property Loans Here

Rent To Buy Mortgage Loans

What a rent to buy agreement means.

In Australia,  Investors are using an agreement to increase their cash flow and help blacklisted home buyers get into a property. they do this by buying a house, then writing a second mortgage to the tenant under a "rent to buy" agreement.

The investor gets more cash flow as the repayments and terms are slightly higher than the standard bank rates and the tenant get a loan without having to conform to the banks requirements to get a normal property loan. They could have had credit defaults previously so this is possibly one of their last options for home ownership
Its a precarious position to be in so lots of due diligence is well needed for both parties. Being in a home with taking a mortgage from a  standard bank has it advantages though.

http://investment-mortgages.com.au/