Property planning
Structuring, estate planning, tax and general property finance planning.
362 articles · page 7 of 16
Property planning
How to Get a Big Loan When Your Income Swings Around
A practical guide for Australians with fluctuating income who need a large home or investment loan. Learn how banks average and shade variable pay, what to fix this financial year, and how to present your numbers so a complex, irregular income still translates into safe, strong borrowing power.
Property planning
How To Negotiate Contract Changes Without Spooking Your Lender
A practical guide to tweaking off‑the‑plan and build contracts so your bank stays comfortable, your approval holds, and you avoid last‑minute finance dramas at settlement.
Property planning
Set-and-Forget Is Costly: Build Review Rhythms For Eastern Suburbs Loans
How to set simple annual and event-based review rhythms so Eastern Suburbs home, investment and business loans stay sharp, safe and working hard every year.
Property planning
Borrowing Power For Professionals Near Hospitals And Universities
How doctors, lawyers, consultants and practice owners near hospitals and universities can turn complex, multi-source income into clean borrowing power this quarter.
Property planning
How Much Insurance Do You Really Need On A Multi‑Million Mortgage?
Carrying a $2m–$5m mortgage changes the stakes if something goes wrong. This guide shows which insurance types actually matter, how to size cover to your debt and lifestyle, and what a sensible, decision‑ready plan looks like for high‑income Australians.
Property planning
Using auction and days-on-market data to time your next Eastern Suburbs move
How to read auction clearance rates and days-on-market data in Sydney’s Eastern Suburbs so you can decide, this week, whether to buy, sell, hold or refinance.
Property planning
How To Weigh Reviews, Referrals And Awards When Choosing A Broker
Online reviews, personal referrals and glossy industry awards can all help you choose a mortgage broker – but each signal has limits and blind spots. This guide shows you how to read them critically, what to verify, and the hard criteria that should matter more than star ratings.
Property planning
How to Safely Use Your Home Equity to Pay for Solar
Clear rules of thumb for using your home equity to fund solar and batteries without blowing past safe LVRs or stripping your cash buffers. A decision‑grade guide you can act on in a weekend.
Property planning
Boutique Block vs High‑Rise: How Your Home Loan Really Changes
Boutique block or high‑rise tower? Lenders price and cap these very differently in Sydney’s East. This guide shows how building type affects borrowing power, deposit size, LVR, valuation risk and exit options, so you can choose a block and a loan structure you’re comfortable with this week.
Property planning
When Borrowing For Solar Is A Bad Idea (And Saving Is Safer)
Thinking about solar but not sure if you should borrow or save? Here’s a simple, decision‑grade guide to when financing solar is too risky and waiting is smarter.
Property planning
Small vs Large Mortgage Brokerages: Which Size Is Safer For You?
Comparing small vs large mortgage brokerages isn’t about who is “better” – it’s about matching your loan complexity, risk and personality to the right advice model. This guide gives you a decision-grade checklist you can use to choose a broker this week.
Property planning
Delever or Keep Gearing in Your 50s and 60s After Tax Changes
A practical guide to whether you should pay down investment debt or keep gearing into your 50s and 60s under the new Australian tax rules.
Property planning
Spotting Dangerous Solar Finance Red Flags Before You Sign
Solar finance can quietly put your home at risk. Learn how to spot teaser rates, hidden fees and security traps in solar loans and installer finance before you sign anything.
Property planning
Local Broker, Bank Branch Or Call Centre? How To Pick This Week
Your bank, a local broker or a call centre can all write a loan. The real question is: who actually understands your suburb, your numbers and your risk well enough to protect you this week and ten years from now?
Property planning
When Local Eastern Suburbs Rents Finally Tip You Into Buying
How to compare local rents to buying costs in Sydney’s East, spot when owning finally beats renting, and decide – with numbers – what to do this week.
Property planning
Use Stepping‑Stone Suburbs To Leapfrog Into Your Ideal Area
How to use a smart stepping‑stone suburb strategy to get into the market sooner, grow equity faster, and upgrade into your ideal suburb with less risk and guesswork.
Property planning
Financing Solar On Your New Build Without Derailing The Bank Loan
How to include solar in a new build without blowing up your construction loan approval. Understand builder contracts, variations, valuations and bank rules so you can lock in panels and batteries with confidence this week.
Property planning
How To Get Your Accountant, Broker And Planner Aligned On Gearing
How to get your accountant, mortgage broker and financial planner working as one team around a geared investment strategy, so your tax, loans and risk settings all point in the same direction.
Property planning
Do Harbour Views Really Boost How Much the Bank Will Lend?
Harbour glimpses and full views price very differently, but banks recognise the premium unevenly. Here’s how valuers actually treat views, what that does to your borrowing limit and LVR, and how to structure your finance this week so you don’t overbid on a view the bank won’t really pay for.
Property planning
Can Your Broker Really Read The Eastern Suburbs? 18 Questions That Prove It
Most brokers say they “know the Eastern Suburbs”. Eighteen sharp questions will show you in one conversation whether that’s true – or just marketing.
Property planning
Turn Vesting Shares, RSUs and Options Into Real Home Loan Borrowing Power
How Australian professionals can use RSUs, vesting shares and stock options to support home loan approvals. Clear rules, lender expectations, worked numbers and one‑week action steps.
Property planning
Practical buffer and risk rules when your tax deductions shrink
Clear, practical rules to reset buffers, LVRs and repayments when negative gearing and other deductions shrink, so your home and investment plan stays safe under the new tax regime.
Property planning
Solar rebates, STCs and feed‑in tariffs in your finance plan
A clear, decision‑grade guide to how solar rebates, STCs and feed‑in tariffs actually work in Australia – and how to build them into your home, investment or business finance plan this week.
Property planning
Using Eastern Suburbs Home Equity Safely When Income Looks Low
Own a valuable Bondi, Bronte or Rose Bay home but show low taxable income? Here’s how Eastern Suburbs owners can unlock equity safely, pass lender tests and avoid mortgage stress.