Lending & Finance Archive

Lending & FinanceProperty

Interest Rates Remain At Record Lows

NOW is the time to take advantage of these market conditions and negotiate your next property purchase.

BlogLending & FinanceProperty

Airbnb vs Tax – What You Need to Know

So there are extra rooms that you don’t use and it’s just occurred to you that the extra cash that could come in from renting a room or two on Airbnb outweighs the negatives of having a complete stranger in your home – OK, what do you need to be aware of?

Lending & Finance

RBA decision – no change to interest rates

The RBA has kept the cash rate on hold for the 22nd consecutive board meeting at a historical low of 1.5 per cent.  At this point in time it is expected interest rates will remain on hold well into 2019. 

Lending & Finance

Treat your investment property like a business and your tenants like clients

It’s important to look after the tenants in your investment property – it encourages them to stay long term and take care of your property. So how can you keep your tenants happy? By treating your property like a business and your tenants like valued customers.

Lending & Finance

Get the most out of refinancing

Everyone wants to pay less on their mortgage, and refinancing is one strategy to help lower your interest rates – but is it worth it? We take a look at how you can get the most out of refinancing.

Lending & Finance

Cash Rate on hold 1.5%

The RBA board has decided to leave the cash rate on hold at a record low of 1.5%.

Lending & Finance

Why it’s so important to review your investment loans now!

As a result of the “slow down” in investment lending combined with significant losses in market share, major and non-major banks and lenders who imposed heavy restrictions on investment lending are now again open for investment business.

Lending & Finance

How your bank calculates a business risk

Just like you, banks are in business – and they don’t succeed by making bad deals. When they consider your loan application, they’re calculating the financial risk of entering into an arrangement with you. Let’s break it down...

Lending & Finance

How redraw works and why it’s a handy loan feature

It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why:

Lending & Finance

ANZ Lending Update

Effective 16 June, ANZ Bank will increase their Variable Interest Only home loan rates for both investors and owner occupiers by 30 basis points. ANZ's Standard Variable Rate for investment lending with Interest Only repayments is now 6.26% p.a.

Lending & Finance

Last of the Major 4 Banks to cap interest only loans at 80% LVR

Westpac Bank announced today the maximum LVR (loan to valuation ratio) for those seeking interest only repayments will be capped at 80%. This applies to both owner occupied and investment lending. They are last of the Major 4 Banks to cap LVRs for ...

Lending & Finance

Overcapitalising – what is it and how to avoid it

As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and why is it considered bad?

Why you landed here

Phillip Anthony Partners joins Paris Financial East Melbourne

We are pleased to share that the team at Phillip Anthony Partners have merged with Paris Financial. Our team at Paris Financial can provide you with a large range of quality financial services with over 65 people located across two convenient locations in Blackburn and East Melbourne.

Paris Financial shares the same philosophy as Phillip Anthony Partners of providing a value focused and high quality service for each of our clients. We look forward to assisting with your accounting needs.