BORROWING THROUGH a Self Managed Super Fund (SMSF) to acquire commercial property has been a popular and attractive strategy over recent years – due to the tax benefits, and ability to minimise personal guarantees. [Read more…]
THE FINANCIAL INDUSTRY in general (and the major banks in particular) have been under the microscope recently as a result of the Royal Commission. And that has provided a steady stream of negative headlines for the banks over the past 12 months.
As a result, the banks have instituted a number of changes including: [Read more…]
WHEN INVESTING IN Commercial property, one of the major attractions for investors is the cashflow available. And locking in a guaranteed cashflow, via fixing your loan can be an attractive strategy.
However, there are a number of things that should be considered, before deciding to fix your interest rate. Here are some of the most important questions to ask yourself when deciding. [Read more…]
SINCE DECEMBER of last year, the Federal Government has been conducting a Royal Commission into the banking industry, as well as financial and superannuation services in general.
Some areas covered so far (relating to lending practices) have included commission structures for brokers and staff, as well as cash incentives being offered by banks. [Read more…]
MY BACKGROUND TRAINING is as an economist. And yet, trying to explain such things in an easy-to-understand way can often prove rather difficult.
Australia has been more fortunate than most countries emerging from the GFC. And yet, there seems to be a certain complacency regarding our economic well-being. [Read more…]
TRADITIONALLY, for any business or commercial loan, most lenders will require at least two year’s past tax returns and financials to establish servicing capacity.
For some borrowers, this is either not desirable or not possible. And so, here is a summary of several loans that could be available for such a borrower; plus how those loans may also apply to you, as a commercial investor. [Read more…]
IN MY EXPERIENCE, most seasoned property investors seem to have a good idea of how to structure a home loan and what to look for.
However, the complexities of commercial property and the wide array of commercial loan products mean it can be a little more difficult for commercial investors. [Read more…]
SINCE THE Superannuation Industry Supervision Act was amended in 2007 to allow superannuation funds to borrow against property, Self-Managed Super Funds have become a popular vehicle for investing in property — in particular, for self-employed borrowers or those in transition to retirement phase.
However, the loan products associated with this type of lending can be onerous and restrictive and this makes this form of lending far from preferable for many borrowers. [Read more…]
WITH BANKS having tightened up investment lending considerably, gaining access to money for active property investors has become increasingly difficult.
Here are several strategies to help you to get the greatest amount of borrowing capacity with your lenders.
AS MANY INVESTORS would already be aware, borrowing for investing in property has become increasingly difficult over the past 12 months.
And that's because APRA (the banking regulator) has issued a warning to major banks to reduce their exposure to investment property loans.
Hopefully, you will quickly realise that I'm NOT here to simply "push my own barrow".
Rather, everything here has been put together to provide you (as a serious Investor) with the very best insights into what you need to know ... in order for you to succeed with your Commercial property investing.
You see, the deeper your access is to all the key information and the more expert opinions you can learn from ... the more likely your ultimate financial success will be.
That said, you will discover everything you need right here – both readily available, and all in one place.
All the very best ... Chris.
Are you in the process of planning your next Annual Conference?
Or maybe you have in mind one or more Training Workshops, for different parts of your team?
Either way, if you're looking for someone to help train you or your team on ... Commercial Property, Creative Marketing, Goal Setting or Negotiating ... Chris Lang can certainly fill that role for you.
Take a look at this short Video which will give you an idea as to the sort of training that's available.