Making extra repayments on your loan can help to reduce it quicker and save you loads of interest.

 

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, examines just how much you can save on your home loan by ramping up your repayments…

 

Read on to find out more…

 

Unfortunately there is no simple answer. The right loan for you will depend upon your current financial situation, you future plans and other variables. Let’s look at some of things you should consider.

 

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, gives you a few tips to work out the best loan package for your needs…

Your Loan to Value Ratio or LVR is the amount of your borrowings divided by the value of the security (your home), expressed as a percentage. This is an important concept, so let’s look at it more closely.

 

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains what loan to value ratios are and why they are so important when it comes to securing finance…

 

With our financial markets in upheaval and the media giving us mixed messages about the property markets, both home buyers and investors are wondering what to do. Is it a good time to buy or should they wait longer?

As uncertainty abounds and investors seek much needed answers in these troubled times, we turn to Michael Yardney, a leading Australian property commentator and director of Metropole Property Investment Strategists, to make sense of the hype surrounding Australian property markets and gain his thoughts on using a buyer’s agent.

Read on to find out more...

You may have read that many surveys show people’s greatest fear is not dying or catching some terrible disease, but the most common fear people have is of public speaking and this is closely followed by the fear of approaching the bank manager for a loan. This doesn’t surprise us because we all have a fear of rejection.

No one wants to go to a lender and bare their soul telling them all their personal details, only to hear them say “no” to their loan application.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains ho lenders determine your borrowing capacity…

When you inspect enough properties you will eventually come across a homeowner who really need or wants to sell. We call these people ‘motivated sellers.’ They are time poor and need to sell their properties urgently. This makes it much easier to buy a home at or below its fair market price.

So you’re probably wondering how you go about finding a motivated seller.

 

This extract taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains how to spot a motivated seller…

 

Depending on the economy and other various factors, you may find yourself in a buyer’s or seller’s market. So what’s the difference?

 

This extract taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains what a buyer’s market and seller’s market means to those seeking the great Australian dream…

Financing a non-residential property venture is all about the numbers. In this article, originally published in Australian Porpetry Investor magazine, Bronwyn Davis looks at the facts and figures behind commercial lending...

Okay, so you’ve decided that you’re tired of living in your rental property or with mum and dad. You want to become one of the millions of Australian’s who own their own home. So now what do you do? 

 

This extract taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains why you need to keep it real when looking for your dream home…

 

With all the mixed messages in the property markets, Bronwyn Davis chats with Michael Yardney of Metropole Properties about the benefits of using a buyer's agent and why investors should be considering making a move sooner rather than later...