While the Reserve Bank was kinder to home owners and property investors than it has been for some time at its August meeting, deciding to hold interest rates at the cash rate of 4.5%, there is still a lot of conjecture among economists as to just how high interest rates might climb over the next two years and what his means for property investing.

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Faced with the prospect of selecting the best investment loan from literally hundreds of lenders and thousands of products, exactly how do you make sure you get it right?

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In the good old days, home buyers and property investors could approach their local bank manager (whom they often knew on a first name basis) to apply for a loan. Now though, the process is less personal, more stringent and definitely a lot more complicated with literally hundreds of borrowers and lending products to choose from.

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Professional home loan packages can be a very cost effective way in which to borrow money, especially for property investors. The most significant benefit is that, in exchange for an annual fee, the borrower receives a discounted interest rate for the life of the loan, or for as long as the loan is included in the package.

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Operators of small businesses make an important contribution to our economy. They are often more financially secure and have a much greater potential to scale their income than people who work as employees.

However, self employed people often face hurdles when applying for a loan because, unlike employees, they don’t receive a regular salary and therefore do not fit lenders’ standard credit assessment criteria.

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There’s no denying that the days where money was freely distributed by banks in the form of low doc and no doc loans are well and truly behind us. With the credit crisis in the US forcing Australian banks to conduct a complete overhaul of their own credit policies to ensure they didn’t suffer a similar fate to many of the American majors who went under in 2008, it has become increasingly difficult to secure finance without meeting the new, stricter application guidelines.
 
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Lender’s Mortgage Insurance (LMI) can be a helpful tool for investors to build their property portfolios.  In a moment I’ll explain how investors can use LMI creatively to buy more property, but let’s first start with an explanation of what it is…

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Many people are often confused about the differences between Line of Credit facilities and Offset Accounts. Understanding how these two types of loan related products can function will help determine the best fit for any particular investment strategy.

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With the very real need for increased housing over coming years, residential development is an attractive investment option for many people.  It has the potential to generate significant equity when well planned and executed.

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The sad fact is that most financial planners can’t provide you with balanced, impartial and independent financial advice even if they wanted to. That’s a scary statement, I know!

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