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Reduce your tax Haven’t you paid enough already? So how do you reduce your tax? It’s simple, through property investment! Well, the first thing to understand is that the rent received from a property actually increases your tax! This is…

Decoding the tax puzzle A simple guide🤔 I often ask my clients if they know how the tax system works. At first, they usually say yes. So we ask them a few more questions like: ‘what’s your top tax bracket?’…

Never sell your property⛔ #4 How to manage the interest rate increases As we continue our discussions on navigating interest rate increases, we would like to emphasise a fundamental principle of strategic property investment: never selling your property hastily. The…

The Power of a Cash Buffer💪 #3 How to manage the interest rate increases As we continue sharing strategies to navigate interest rate increases, we would like to highlight a crucial aspect of financial resilience: the creation of a cash…

How to manage the interest rate increases😲 #1 Why do interest rates increase We wanted to provide some insights into the reasons behind the increase in interest rates, as it’s a topic that affects many individuals and businesses alike. Interest…

Principal & Interest or Interest-only? Understanding property finance 👉8 A question I get asked often is whether you should go with a principal and interest loan or an interest-only loan. While both loans have pros and cons, they are also…

Why you need Interest-only (I/O) loans Understanding property finance 👉7 Are you finding this series on “Understanding Property Finance” helpful? Interest-only (I/O) loans are pretty simple. As the name suggests, you pay only the interest portion of the repayment and…

What are Principal & Interest loans? Understanding property finance 👉6 Principal and interest (P&I) loans can be broken down into two elements: the principal payment and the interest charge. The principal payment is what pays down the loan and chips…

What is Lender’s Mortgage Insurance? Understanding property finance 👉5 Lender’s Mortgage Insurance (LMI) is basically an insurance policy taken out by the bank to protect themselves if you foreclose on your mortgage. If you borrow more than 80% of the…

What is available equity? Understanding property finance 👉4 If you missed the last 3 property finance insights, I suggest you go back and read them as understanding property finance is vital to property investment success! Once you understand the concept…