Blog - Pearl Financial
man sliding down a cliff being chased by a ball of debt overhang
Jul 16

What Will Be The Effect Of Household “Debt Overhang” In Australia?

By Editorial Team | News

What Is Debt Overhang?

A Debt Overhang happens in a household when the household spending is significantly greater than the household income. It is up to the point that the household can’t already take on additional debt to finance other expenses. Household debts consist of the debts of all members of a household. It includes consumer debt, mortgage loans, home equity loans, auto loans, student loans, and credit cards.

Debt overhang is certainly a liability. The effect of this is that you can’t buy even the most important things. It serves to prevent current investment since all of your income would all go to your existing household debt leaving you only with just a small incentive that will make it so hard for you to recover from your difficult situation.

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large home lit up in the early evening.
Jul 11

Types Of Home Loans In Australia

By Editorial Team | Home Loans

There Are Various Home Loan Types to Choose From

It can really be overwhelming for anyone who plans to buy a property, most especially if it is your first time. It is crucial to know all the available loan options before deciding to make a purchase.

As the years go by, the demand for home loans is continuously increasing. So nowadays, there are different types of home loans that are being offered by banks and lenders. These home loans can cater to many people, however, it is required to thoroughly understand the loan options available in accordance with your needs.

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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

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