June 2018 - Pearl Financial

Monthly Archives: June 2018

Jun 23

How to calculate Loan-to-Value Ratio (LVR)

By Shane | Fundamentals

If you’re in the market to buy a new property or refinance an existing one, then the concept of Loan-To-Value ration (LVR) is an essential concept to understand. It is particularly important for property investors as it allows the astute investor to understand their equity position and whether they are able to start planning their next property acquisition.

In this article, we will cover off on what loan-to-value ratio is, why LVR is important, and how to calculate LVR.

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Jun 20

Buying an Investment Property With Home Equity

By Shane | Investing

If you’ve owned your property for a few years, and you have been diligently paying down your home loan, then there is a chance that you’ve built up some equity. Equity is the difference between the value of your property and the total amount of loans secured against your property. A popular wealth-building strategy is to use available home equity to purchase an investment property.

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Jun 19

How do you access equity

By Shane | Investing

The growth in property values in Sydney has been unprecedented over the past few years. This has resulted in many property owners sitting on large amounts of untapped home equity. When used properly, accessing equity can act as an ‘accelerant’ to wealth building. However, a common question I hear is, “how do I access equity?”

Let’s take a look at the 5 step process of accessing equity.

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Jun 18

The NSW First Home Owner Grant (New Homes) Scheme

By Shane | First Home Buyer

The First Home Owner Grant has changed numerous times over the past few years. In 2017, the NSW Government announced the First Home Buyers Assistance Scheme that offers stamp duty exemptions for first home buyers who buy a property worth less than a certain limit. Read this blog post to learn more. Also on offer is a grant for first home buyers who are looking to purchase a new home or build their home. Continue reading

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