Have you ever thought about writing down your essential tips for life to hand down to your kids, to help them on their way?
I mean, not just about the ‘meaning of life’, but more the practical side of life. How they can build themselves a secure financial foundation that will set them up for a very comfortable life!
Well, we at Calla Property have started that list for you and we are really happy to share it.
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Brisbane Property Market Set To Grow
According to the latest BIS Shrapnel report Residential Prospects 2015-2018, house prices will start to fall in 2016 – 2017, as affordability declines and coincides with the threat of rising interest rates.
They suggest the three year outlook for Sydney does not justify the current level of frenzied spending and that the median Sydney house price by June 2018, will only be 2% higher than it is today, still under the $1 million mark.
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Lending Policy Changes
While the Reserve Bank has dropped interest rates, APRA (Australian Prudential Regulation Authority) is trying to cool Sydney’s housing market by scrutinizing banks’ lending policies for investment purposes. This has led to many lending policy changes by the major four banks in the last few weeks, specifically in regards to investment lending, including changes to the LVR (Loan to Valuation Ratio), SMSF (Self-Managed Super Fund) lending and types of acceptable income.
So what has changed?
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Are One Bedroom Apartments a Good Investment?
This is one of the most common questions I am asked. And yes, they certainly are. One bedroom apartments are gaining in popularity, largely due to the increase in Gen Y numbers renting, the question is what constitutes the right one-bedroom apartment as an investment property?
There are a number of essential factors that make an apartment appealing to Gen Ys and it is this formula that we concentrate on perfecting at Calla Property.
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Are One Bedroom Apartments Making a Comeback?
In the 1950’s we were introduced to the ‘Great Australian Dream’. A big house on a big block of land. The Hills hoist featuring in the large back yard. Large enough for all the neighbourhood kids to gather for daily cricket matches through the long summer afternoons.
Baby boomers raised their families in these constructions of suburban nirvana in the 70’s and 80’s.
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WHAT ARE YOU GOING TO TELL THE KIDS? 5 GOLDEN RULES OF PROPERTY INVESTMENT
Have you ever thought about writing down your essential tips for life to hand down to your kids, to help them on their way?
I mean, not just about the ‘meaning of life’, but more the practical side of life. How they can build themselves a secure financial foundation that will set them up for a very comfortable life!
Well, we at Calla Property have started that list for you and we are really happy to share it.
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THE RBA MAKES FURTHER CUTS TO THE CASH RATE.
What does this mean for Sydney’s already over-inflated property market?
Two weeks ago, we met with a young couple who live and work in Sydney and want to buy their first home in Sydney. They’ve been married for a few years and plan to start a family in the next year or two. After months of going to auctions in Sydney and being forced out of the bidding they started to look elsewhere and entertained the idea of buying in the Central Coast region. They had a bad experience with a property shark in Gosford and came very close to buying a property well over-valued. They came to see us, frustrated yet hopeful we could find them a good property in Sydney that they could live in. Sadly, we weren’t able to help them and yesterday’s news of the RBA cutting the cash rate is just more bad news for them. Even with a deposit of $110K they will not be able to get into the Sydney home market.
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What do you need to know about getting a loan?
Applying for your first home loan can be a daunting task and I’m often amazed at the preconceptions people have about lending policy. So what do you need to know and what are the banks looking for?
Lending policy falls into two main areas – 1. Security and 2. Serviceability.
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Calla Property gives back.
One of the things that I love most about running a successful company like Calla Property is the opportunity to give back to those less fortunate in the world. Not a day goes by where I don’t feel incredibly lucky and grateful for this privileged life I lead. No matter how bad things get, no matter how overwhelmed I feel, I know that my life is infinitely easier and more abundant than most in the world.
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3 Top Considerations When it’s An Investment Property, NOT a Home.
Are you thinking about becoming a property investor? It’s incredibly important to approach buying an investment property in a different way than buying a home. Here are 3 important considerations for anyone looking to invest in property.
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The Golden Rules to property investment. What are they and how to make them work for you!
The path to investment property ownership can be long & daunting. Find out the crucial aspects of property investment and how we at Calla Property can help you negotiate those aspects in a hassle free way.
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