Blog - Pearl Financial
Business owners in apartment discussing property investment while looking at a computer
Jun 08

Four Property Investment Motivations For Business Owners

By Editorial Team | Fundamentals

Entrepreneurs are naturally ambitious and driven people. If you consider yourself an entrepreneur, you might feel like you already have enough on your plate and that you don’t have the time, money or capacity to seek out any investment opportunities. It doesn’t mean that you can’t invest in property. As long as you consider the following four factors, you won’t regret making the decision.

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May 23

First-Home Buyers Have Big Opportunities

By Shane | First Home Buyer

With home prices falling in the Sydney and Melbourne property markets first-home buyers could find some big opportunities, especially if they have their deposits ready now. Throughout this year, most real estate pundits believe property values in the capital cities will stay relatively flat in 2019, even though Domain’s Property Price Forecast(1) has some cities possibly posting modest gains. There’s also less competition for first-home buyers with many would-be investors having left the market after the banks tightened their lending practices and reduced opportunities for short-term capital growth. In this scenario, first-home buyers have an opportunity to buy a property before prices start to rise again.

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Apr 18

Should You Build Or Should You Buy? – know The Costs Involved

By Shane | Costs Involved

Australians looking for a new home have two options – build a new one from scratch or buy a ready-built one. There are a few factors that will affect your final decision such as the time required for constructing a new house versus moving into an existing property as well as the differences in each one’s costs. A mortgage consultant can talk you through all relevant costs for each option. Here’s some background on what each one entails.

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Liverpool Mortgage broker questions
Apr 04

Four Questions to Ask Your Mortgage Broker

By Shane | Fundamentals

The property market is a quagmire, fraught with pitfalls that can render any investment decision a poor one. As a buyer, you have to make sense of the different types of mortgage interest rates and home loans are available and know which one will be most favourable to your current financial situation. It can be a nightmare to make sense of without a qualified and experienced mortgage broker at your side. Asking the right questions will ensure that you find the most suitable mortgage broker in Liverpool for your needs. Use these four questions to help guide your decision.

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real estate investment metrics
Jan 30

8 Real Estate Investment Metrics You Need To Know About

By Editorial Team | Fundamentals

Investing in something that creates passive income is becoming a common practice in Australia. But, like all other investments, being objective about the property or home renovation project you want to take on will help increase your chances of success.

With this in mind, let’s take a look at 8 key performance indicators you’ll want to look out for before you invest in a new house or home extension.Continue reading

APRA Announce Removal of Interest Rate Restrictions
Dec 19

APRA Announces Removal of Interest Rate Restrictions

By Shane | News

In March 2017, the Australian Prudential Regulation Authority (APRA) introduced measures to reduce the amount of interest-only loans in the residential lending market. One of these measures was a benchmark for lenders to keep new interest-only lending below 30% of their total new lending.

On the 19th December 2018, APRA announced that they would be removing this benchmark as they have noted that there has been a noticeable reduction in the amount of new interest-only lending, with the proportion now significantly below the 30% benchmark. Continue reading

Employment Confirmation Letter
Dec 14

Home Loan Employment Confirmation Letter

By Shane | Fundamentals

Since the Royal Commission kicked off in April banks & lenders have really cracked down on documentation requirements for all home loan applications. This means that you may be asked to provide a Letter Of Employment for a mortgage application.

In this blog, I will walk you through all you need to know about home loan employment confirmation letters and I’ll even give you a template.Continue reading

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