Property planning
Structuring, estate planning, tax and general property finance planning.
362 articles · page 15 of 16
Property planning
How to Build a Six-to-Twelve-Month Buffer Before Your Mortgage
A practical Australian guide to building a six-to-twelve-month cash buffer before you take on a home loan, especially if you’re self-employed or run a small business.
Property planning
Mortgage broker myths in Australia: what’s true and what isn’t
A clear, decision-grade guide to the most common Australian mortgage broker myths, how brokers really get paid, rate and conflict questions, and how to test the facts in your own situation this week.
Property planning
Turning complex executive pay into real home loan borrowing power
Executive and professional income packages can be hard for banks to read. This guide shows how Australian lenders treat bonuses, RSUs, profit share and salary packaging — and how to structure your pay and paperwork so it turns into safe, usable borrowing power.
Property planning
How to Structure Large Premium Mortgages and Choose Features Wisely
A practical Australian guide to structuring large premium mortgages: splits, offsets, fixed vs variable and interest‑only. Designed for high-income, self‑employed and investor borrowers who need a safe, flexible structure this week.
Should Eastern Suburbs borrowers use a boutique broker…
Property planning
Should Eastern Suburbs borrowers use a boutique broker or a bank?
For most Sydney Eastern Suburbs borrowers with anything beyond a basic loan, a local boutique broker usually beats going direct to a bank or big franchise. This guide shows who each option suits, the trade‑offs, and how to choose one this week.
Property planning
Using Home Equity Safely for Major Life Moves and Safety Nets
How to tap home equity for school fees, medical costs, sea changes and financial safety nets without risking your long‑term security or retirement.
Property planning
How to Unwind Cross‑Collateralised Loans Without Blowing Up Your Plan
Many Australians don’t realise their home and investments are cross‑collateralised until they try to refinance or sell. This guide explains what cross‑collateralisation is, why it’s risky, and practical ways to unwind it using standalone loans, security substitution and staged refinancing you can start on this week.
Property planning
How to Use Debt Recycling and Smart Loan Structuring in Australia
A practical Australian guide to debt recycling and tax‑effective loan structuring, so you can turn non‑deductible home debt into investment debt without blowing up your cash flow or your tax position.
Property planning
Ten Signs You’ve Found a High-Quality Mortgage Broker
How to tell in one or two conversations whether a mortgage broker is genuinely high-quality or just selling you a loan. Ten green flags, five red flags, and a one-week action plan for Australian borrowers.
Property planning
From First Call to Keys: How a Mortgage Broker Actually Works
A clear, practical walkthrough of what really happens from the moment you contact a mortgage broker through to pre‑approval, formal approval, settlement and beyond — for home buyers, refinancers, investors and self‑employed clients in Australia.
Property planning
How to Unlock Home Equity Safely Without Derailing Your Future
A practical Australian guide to releasing equity from your home safely, how much you can pull out, lender limits, and how to structure it so you protect your cashflow, tax position and future borrowing power.
Property planning
Should You Roll Credit Cards and Personal Loans Into Your Home Loan?
Thinking about folding credit cards and personal loans into your home loan? This guide explains when debt consolidation via your mortgage makes sense, how to structure it safely, and the traps that can cost you more in the long run.
Property planning
Why Using a Mortgage Broker Saves Time, Stress and Money
Using a mortgage broker can dramatically cut your admin time, reduce approval stress and often save you real money over the life of your loan. This guide explains how brokers work in practice, who benefits most, and the concrete steps to take this week.
Property planning
Smart ways parents can help adult children buy property safely
Clear, practical ways Australian parents can help adult children buy property using family wealth – with less risk, better structures and a one‑week action plan.
Property planning
How to Borrow Safely for Prestige and High‑Value Homes
A decision‑grade guide to borrowing for $2–3 million+ prestige homes in Australia. Understand jumbo loan rules, realistic LVRs, income requirements and how to structure a large mortgage safely this week.
Property planning
Specialist vs generalist mortgage brokers: how to decide who you need
Not sure whether you need a specialist mortgage broker or a solid generalist? This guide breaks down who each suits, when a niche expert really matters, and a one‑week plan to pick the right broker for your next loan.
Property planning
Tax‑Smart Mortgage Advice: Safely Boost Your Home Loan Borrowing
How a mortgage broker with real tax and accounting expertise can safely lift your borrowing power using add-backs, smarter structures and better timing—without picking a fight with the ATO.
Property planning
Buying a Luxury Australian Home Using Foreign Currency Income
How Australian expats and foreign-income earners can use overseas currency income to buy high-end property here, despite currency shading and tougher lending rules.
Property planning
Should Your High‑End Home Sit in a Family Trust?
Thinking of putting a luxury home into a family trust? This guide explains how lenders treat trust-owned homes, the tax trade-offs, asset protection realities and the practical limits so you can decide if it’s worth the complexity this week.
Property planning
Turning Bonuses, Commissions and Profit Share into Real Borrowing Power
How Australian lenders really treat bonus, commission and profit share income – and what to do this week to turn your complex pay into clean, usable borrowing power.
Property planning
Home loans when you’re asset‑rich but show low taxable income
A practical Australian guide for retirees, investors and business owners who are asset‑rich but show low taxable income, and still want a sensible home loan or refinance.
Property planning
Smart borrowing in your 50s and 60s when you’re asset‑rich
How to borrow in your 50s and 60s when you’re asset‑rich but your taxable income looks modest. A practical guide to lender rules, exit strategies and loan structures that actually work in Australia.
Property planning
Safer Joint Ownership with Parents and Adult Children in Australia
A practical guide to structuring title, loans and exit plans when parents and adult children buy or hold property together in Australia, with clear examples, risk checks and documents to put in place this week.
Property planning
Protecting Older Parents Before They Borrow Against the Family Home
Older parents using the family home to help kids, fund retirement or a business can be smart – or disastrous. This guide shows you the safeguards to put in place before anyone signs, so you protect their equity, income and housing security.