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February 2, 2016
Commercial

Pricing of Commercial Property Loans

Commercial property finance is very poorly understood, and this is a major contributor to poor decisions by investors. The most important thing to know about commercial property loans is that there is no hard and fast rules about factors such as the leverage that is available, costs associated with commercial loans or the lending criteria. In commercial finance everything has to be viewed relative to the strength and size of the particular deal.

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Rent
February 2, 2016
Perry Finance

Where Will Rates Go in 2012?

As we close out 2011 and reflect on the year that was, the only thing that appears predictable in our current economic environment is unpredictability. Part of the reason for this is that it is near impossible to read the minds of policy makers, but attempting to do so, see to occupy an inmsordinate amount of the time of financial commentators and economists. Every week we are sent analyses of the interest rate environment by bank economists and it is interesting to look back at these memo’s to see how quickly prevailing view of interest rate movements can change at the proverbial drop of a hat.

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Property Investor
February 2, 2016
SMSF

Borrowing Through an SMSF

Since legislation changed in September of 2007 enabling Self Managed Superannuation Funds (SMSF’s) to borrow for the purpose of acquiring property, this form of investing in property has slowly grown in popularity.

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February 2, 2016
Loans

The Importance of Loan Structures – Three Factors that are Often Over-Looked.

While most people focus solely or predominantly on rates and fees when deciding on the appropriate loan, there are many other factors that should be considered and too often aren’t. For more sophisticated investors, including those with several properties, high income borrowers and those investing in commercial properties, this is even more so. Below are some of the more important factors in choosing a loan that are often ignored at the detriment of the borrower:

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February 2, 2016
Fixed Rates

Fixed-rate loans all the rage

Mortgage brokers are reporting a spike in borrowers switching to fixed-rate loans. With interest rates being so low, and possible further cuts to come, borrowers are looking to snap up the low rates on their loans for fixed terms while they can get it.

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