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Estimating Peter’s Borrowing Power in Adelaide (2025) When Peter sits down to apply for a home loan in Adelaide, lenders will review his salary, outgoings, debts and family responsibilities. Based on his details, here’s a realistic range of what he...
Estimating Francis’s Borrowing Capacity for Property Investment Francis, now 80, owns a mortgage-free Perth home valued at $1 million and will have $400 000 in cash from selling an investment property. Below are three ways he could re-enter Australia’s property...
Deciding Between SMSF and Personal Lending for Property Investment Choosing whether to acquire property through a Self-Managed Super Fund (SMSF) or via a personal loan hinges on your financial objectives, risk tolerance, tax position and retirement planning. Below is a...
Alice & Jake’s Borrowing Power (Non-SMSF, 10% Deposit) Financial Summary Income: $257,600 p.a. ($229,000 salaries + $28,600 rental) Expenses: $83,840 p.a. ($23,160 PPOR + $22,800 investment + $35,000 living + $2,880 credit card) Savings: $200,000 Equity: $2,075,000 (PPOR $1,600,000 +...
Compute Your Lenders Mortgage Insurance (LMI) at 90% LVR 1. What Are LMI and LVR? Lenders Mortgage Insurance (LMI) is a premium charged by lenders when your Loan-to-Value Ratio (LVR) exceeds 80%. It protects the lender if you default. LVR...
Brenda’s Path to Financing a $700,000 Home Securing a property in today’s market demands precise financial planning. Brenda aims to buy a $700,000 non-SMSF home, and with a solid strategy, it’s within reach. Brenda’s Financial Snapshot With a primary PAYG...
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