Fundamentals Archives - Pearl Financial

Category Archives for "Fundamentals"

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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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

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

What you need to know about your interest only investment loan
Nov 08

What You Need To Know About Your Interest Only Investment Loan

By Shane | Fundamentals

Property investors often choose to set the repayments for their investment loans to ‘interest only’ repayments. An interest only repayment means you pay only the interest due each month, but you aren’t paying down the loan balance.

By comparison, a principal and interest repayment is made up of a portion that covers the interest due and a portion that pays down the loan balance a bit with each payment made.
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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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