06 Jul Podcast: Finance Files – How Working in the Medico Sector Can Help You
Do you work in a medical field and are wanting to purchase property? In this Finance Files episode, Maddie takes you through a client’s journey on purchasing their second investment property by using equity from their first, and how working in the medico sector has helped her get there faster. We go through her financial scenario in full, so you can see if this relates to you!
29 Jun Podcast: It’s Tax Time! Investment Properties and Business with Accountant Ash Ross
In this episode, Maddie and Evelyn chat with accountant Ash Ross to uncover valuable insights and expert advice on maximising tax benefits, navigating what to claim as a property investor, and optimising your financial strategies. Whether you're a business owner, investor, or simply interested in the intricacies of tax planning, this episode will provide you with actionable tips and clear explanations. We explore a range of key topics related to business tax and investment properties. We dive into strategies for maximising tax benefits, providing practical tips on reducing tax liabilities and identifying deductions. We also delve into the tax implications of investing in real estate properties, covering topics such as rental income, depreciation, and capital gains. Additionally, we discuss different business structures and their impact on tax liabilities, while highlighting common tax pitfalls to avoid. Finally, we emphasise the value of professional advice and conclude with Ash’s best tip for first home buyers and property investors alike!
22 Jun Podcast: Guest – Where To Go When The Bank Says No with Sean Driscoll
In this episode, Evelyn and Maddie are joined by our Liberty Business Development Manager Sean Driscoll to delve into the world of non-conforming mortgages, exploring the options available for borrowers who don't fit the traditional lending criteria. We shed light on the intricacies of this often misunderstood sector, helping you understand how these non-bank lenders can be a game-changer for those in unique financial situations. Join us as we discuss the benefits and challenges associated with non-conforming mortgages, from self-employed individuals with irregular income to borrowers with less-than-perfect credit histories. We unravel the criteria that these lenders consider and debunk common myths surrounding this type of financing. Sean shares valuable insights, explaining the different loan options available and some heart-warming stories of clients they’ve helped in sticky situations. We highlight the importance of working with a knowledgeable mortgage broker who can navigate the non-conforming landscape and find the best solutions tailored to individual needs. Tune in to this episode for an in-depth exploration of non-conforming lenders and discover how they can open doors to homeownership that the traditional lenders and big banks may keep closed!
15 Jun Podcast: Q&A – Your Self Employed Scenarios Answered
Join Maddie and Evelyn as they answer your questions surrounding your self-employed income and scenarios. We start off talking about how long you can use 2022 financials for servicing or if your profits are trending down. We also go through your options if you’ve transitioned from PAYG into sole trader income and how a bank views this when you apply for a home loan. We also talk about what documents you need to provide for an application what this looks like if your work is contract based, and how tax works being self-employed. We have a few questions that came through surrounding trusts that we briefly touch on. If you have any questions for us, please feel free to reach out through social media, emails or our website and we’d love to help where we can!
08 Jun Podcast: Deep Dive – Self Employed Policies Explained
In this episode, Evelyn and Maddie talk about the intricacies of self-employed lending policies and what this could mean for you. We unpack the opportunities faced by sole traders and companies in the mortgage lending landscape. From deciphering income verification methods to understanding documentation requirements, we provide valuable insights to help you navigate what’s needed to get a loan!
01 Jun Podcast: Finance Files – Purchasing a Property as An Expat
Are you an Australian wanting to purchase a property at home while living overseas? In this Finance Files episode, Maddie takes you through how their expat clients purchased an investment property in South Australia. We go through specific lender policies that are important to note with foreign income, and which banks are the best for these requirements.
25 May Podcast: Guest – Navigating Asset Finance in the Lead Up to EOFY with Will Hamer
In this episode, we learn all about asset finance with Will Hamer from Hamer Finance, who shares valuable insights and strategies for leveraging assets to achieve financial success. We explore the fundamentals of asset finance, its role in preserving capital and optimising cash flow for individuals and companies, and the crucial role of asset finance brokers in connecting clients with suitable lenders. Will shares his wealth of knowledge in deal structuring, term negotiation, and the art of securing the best financing options for clients. Whether you're a business owner seeking growth or an individual looking to finance essential assets, this episode equips you with knowledge to make informed decisions for your potential finance needs. Join us on this amazing episode with Will to learn more about the world of asset finance and gain valuable strategies for success. You can get in contact with Will and his team via his website here: https://www.hamerfinance.net/.
18 May Podcast: Q & A – Buyer’s Agents: Commissions, Growth vs Yield, Time to Buy, Regional vs Metro and More!
In this episode, we answer your burning questions with Buyer’s Advocate Aife Horsley, diving into the world of buyer's agents and exploring a range of key aspects related to their role. We start off by examining the trade-off between capital growth and rental yield when selecting a property, and what’s best for your long-term goals. We also delve into commission structures and how buyer's and vendor’s agents are compensated, shedding light on the implications for their clients. Furthermore, we compare the advantages and disadvantages of buying in regional areas versus metropolitan areas, considering factors such as affordability, lifestyle, and investment potential. We also emphasize the value of local knowledge and how buyer's agents with deep expertise in specific areas can uncover hidden gems and secure the best deals for their clients. Join us as we unravel these questions and provide valuable insights into the world of buyer's agents. Whether you're a first-time buyer or an experienced investor, this episode will equip you with the knowledge and understanding to navigate the real estate market with confidence.