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Ivan Filipovic

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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What is my borrowing power?

The first step in the journey to financial freedom is to approach your Redwood Home Loans Mortgage Broker to determine your borrowing power. This is important to know how much you can afford to spend on a property and repay on your home/ investment loan. By having an idea of what you can borrow, you…

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Apply for a loan – What is a Comparison Rate?

Whenever you see an interest rate, it may display this awesome low interest rate, then beside it you may see a ‘comparison rate’ which is considerably less attractive – with a (*) and no explanation for the higher rate. Understanding the comparison rate is imperative in choosing the right loan for you. The Comparison Rate…

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How to make the most out of record low interest rates

The Reserve Bank has cut official interest rates by 25 basis points to a fresh record low of 2 per cent, a fresh injection into the Australian economy and particularly the housing market. If passed on in full by Australia’s “Big 4” banks, this will indicate significant savings – approximately $60 per month on a…

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chinese investment australia flags

Chinese property investment – Will it continue in 2016?

There are ‘mixed feelings’ by many Australians on the surge of Chinese investment in the Australian residential and commercial property market. Many ask the question – will the surge of Chinese investment in Australia real estate continue? Despite the announcement of new penalties by the Foreign Investment Review Board (“FIRB”), Chinese investment will continue to grow in…

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refinance options

Why should I refinance?

If you’ve had your current home loan for a number of years, it’s likely that your needs have changed and most likely the RBA interest rate would have a favourable impact on your home loan providing a positive change for the consumer in todays competitive landscape. This will benefit you to ensure that you achieve…

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property depreciation schedule

Property Depreciation Schedule for SMSF

SMSF Property Investors – Don’t overlook the benefits of Property Depreciation Schedule The question of SMSF Depreciation comes up a lot with our clients. Redwood Advisory encourages clients to obtain a SMSF Property Depreciation Report to claim deductions where possible. Which expenses can I claim? SMSF Properties are entitled to claim depreciations when they complete their…

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Will SMSF Borrowing Be Banned?

Borrowing in superannuation was introduced in 2007, for the right reasons to allowing flexibility and control for Australians to build wealth and create financial freedom – in the long term to benefits the retirement of Australian. Mr David Murray has released the “Financial Systems Inquiry” (“FSI”), a 320-page report which provided 44 recommendations. We will…

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image of house with text refinance today


An SMSF can refinance an existing SMSF loan. This is beneficial for Limited Recourse Borrowing Arrangements (“LRBA”) entered into many years ago where interest rates were higher with less SMSF lenders in the marketplace. Currently, SMSF lending is competitive with many if not all lenders offering a SMSF Loan product. After all, SMSFs is a…

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money being deposited into a house


To the knowledgeable SMSF investor, an offset account is a ‘must-have’, both inside and outside of super. An offset account is a valuable feature of a SMSF loan. This is due to the fact that SMSFs generally hold a reasonable proportion of cash within the SMSF, either for a ‘rainy day’ or thinking about your next…

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