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Search results: John

Housing Market

Growing your Portfolio with Non-Bank Options

Although banks are tightening access to credit and becoming harder to deal with, there are competitive non-bank options with rates as low as 3.40% that are worth considering.

Housing Market

Beyond 2020 | The next Housing Boom

After a short hiatus and a 5%-10% fall in house prices, I’m going out on a limb given the current market pessimism and predicting we will stretch into what might be the last great housing boom. Here's why.

Housing Market

Investing in a recession

There could be emerging opportunities for investors in the current market, but to take advantage of them you need to be reviewing your existing portfolio now.

Housing Market

Investing in property in a tight credit market

There’s no doubt that there will be some good buying opportunities over the next twelve months. To make the most of them you will need to be cashed up and ready to pounce. It’s about having the confidence, knowing you can land the deal, but also not misreading your lenders and their lack of appetite for risk.

Housing Market

What I’d do if I was a first home buyer in 2020

There’s a lot of mixed messages out there about property at the moment. Some is from complete pessimists who think the world is coming to an end. Some is from the industry who are far too bullish and whose income is in some way tied to property. We’re arguably in the latter camp (given we’re mortgage advisers) – but we try to call it as we see it.

Housing Market

Investing in property post Covid-19

More than ever, the current economic crisis has highlighted the importance of (1) having a clear investment strategy and (2) managing your risks. What does your risk management strategy look like? What happens if your tenants cannot pay the rent? What happens if you sell a property and the bank keeps all of the sales proceeds?

Housing Market

Buying a home after lockdown - what you need to know

This article is split into two sections. We’ll first explore the supply and demand issues, and secondly get into some tips and tricks to consider. So, what drives the housing market and what does that mean post COVID-19?

Housing Market

Mortgage rates forecast 2020 - This is the bottom of the cycle

You heard it here, but also let’s acknowledge up front that I’ve called it before and been wrong. This situation is different though. The OCR has reached the bottom, bank margins are tight, and term deposits can't go much lower.

Housing Market

How much will COVID-19 impact house prices?

With share markets being routed by close to 30 percent, the question we’re acutely interested in is: will property prices fall, and if so, by how much? To be able to answer that, we first need to understand the economic impact of Covid-19; let's dive into the details.

Lifestyle and Technology

COVID-19 - How to apply for a mortgage repayment deferral or switch to interest-only

Among all of the current madness you may have heard about the banks offering mortgage holidays, or repayment deferrals. Here's how the process works with each of the main banks.

Lifestyle and Technology

Financial anxiety in a crisis

I’ve been in a few crises. The first was launching Squirrel at the height of the GFC, with a crashing housing market. Then my head contractor went bankrupt part way through my big property development. Now? We're faced with Coronavirus. But this one is different. We're all in it together and it's out of our control.

Lifestyle and Technology

How to manage your mortgage through the coronavirus crisis

The adage 'cash is king' is never truer than in a crisis. Cash gives you the flexibility and freedom to respond to changes. Now is a good time to have a small cash buffer in your mortgage. The thing to remember is banks don’t want you to default on your mortgage, and they have temporary options in place which are designed to support those who find themselves in financial hardship.