A Big Revelation from a Small Move by Australian Banks

In recent days (June 2023), two major Australian banks, Westpac and CBA, have announced reductions in the serviceability buffer, from 3% to 1%. This is a small move by banks that most people haven’t noticed, but it carries a significant revelation. So, what is a serviceability buffer? Let’s give an example. Suppose the loan interest […]
How do Residual Stock Loans help property developers?

Most property development projects entail a substantial amount of construction debt funding that must be repaid upon completion. Specifically, for residential projects like townhouses and land subdivisions, the objective is usually to sell enough units to cover the construction debt. However, if the developer falls short of achieving sufficient sales, they may need to refinance […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]
The Beginner’s Guide To Property Investment

Most property investors in Australia start with residential property investment. However, as you get past your first (or second) property, commercial property investment may hit your radar, and for good reason: Commercial property offers investors attractive benefits, including much higher rental yields and diversification, but also an increased level of sophistication that calls for deeper […]