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Ivan Filipovic

couple arranging smsf loan finance

NEGATIVE GEARING: HERE TO STAY?

Negative gearing is now part of a political football game between Labor and Liberal parties. All the property news has focused on the recent announcement by Labor that, if elected, they will take away “negative gearing” for established property, leaving incentives only for “new” properties. So what is negative gearing? You hear “negative gearing” all…

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TIPS AND TRAPS OF OFF THE PLAN APARTMENTS FOR SMSF’S

Buying a Property and establishing a Self Managed Superannuation Fund (“SMSF”) require a clear strategy to determine if a SMSF and property is right for you. Off the plan apartments can be attractive to many investors, however there is more to consider than the glossy brochure. Deciding on the right criteria for an SMSF investment…

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LOANS: FIX THE INTEREST RATE OR NOT?

WITH INTEREST RATES AT RECORD LOWS AND THE BANKS COMPETING FOR YOUR LOAN, THE KEY QUESTION ON EVERYONE’S MIND – IS IT THE PERFECT TIME TO “FIX” THE RATE OR LEAVE YOUR RATE AT VARIABLE? During 2015, the Reserve Bank of Australia decreased the cash rate to 2% and maintained the rate for most of the year.…

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house vs apartment

Apartment v House – which is best?

Buying an investment property can be fun and challenging. You’ll need to work out what type of property is best for you. We explore key considerations to ensure success with your property investment. There is no right or wrong as to whether an apartment or house is best – it really depends on your personal…

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good news for smsf lending

GOOD NEWS FOR SMSF LOANS

Today, the Government response to the “Financial Systems Inquiry Report” (“FSI”) was released and its good news for SMSFs. The Government responded to all FSI’s 44 recommendations and did not agree with the recommendation to ban SMSF Loans. While highlighting concerns around SMSF Loans – the Government did not consider current data sufficient to ban…

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smsf mortgage form

SMSF Lending: Here To Stay

Late 2014, the “Financial Systems Inquiry Report” (“FSI”), provided 44 recommendations, one of which was a proposed “Ban on limited recourse borrowing arrangements” or SMSF Loans. This caused significant uncertainly for SMSF professionals and investors. Last week, there has been a major development with Assistant Treasurer Mr Josh Frydenberg gave the biggest indication that SMSF…

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taking a smsf loan? We have a smsf checklist to help you

30 JUNE 2015 SMSF YEAR END CHECKLIST & STRATEGIES

The end of the financial year is fast approaching. We will now address some of the key strategies that must be considered pre 30 June 2015. Self managed superannuation funds (“SMSF’s) are about strategy, and your strategy needs to be compliant with Superannuation Law. A sound SMSF strategy will ensure you achieve the maximum tax…

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man checking off items on his smsf checklist

SMSF Loans & Borrowing Checklist

Redwood Home Loans and Redwood Advisory SMSF Specialists will guide you through the SMSF Loans process from SMSF Set-up to settlement to ensure there are no surprises. After all – SMSFs are supposed to be fun. Below we describe the steps taken to ensure a smooth SMSF Loan process. 1. Your SMSF must be established…

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property checklist

A Beginner’s Guide To Buying Property

Buying property is an exciting experience, particularly if it is your first time. But, it can also be a daunting experience particularly constant press around the property bubble. Therefore it is important to surround yourself with a property investment advisor to determine your investment strategy for financial freedom. Currently, first home buyers are presented with…

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saving for a home loan

Buying Your First Home: Saving For A Home Loan Deposit

With interest rates at record lows – many Australians are asking the question – “How much do I need for a deposit to purchase my first home?”. This question will then determine the amount of your loan and ultimately your borrowing power. The bigger your deposit, the smaller your loan will be and the less…

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