The picturesque region of the Mornington Peninsula is made up of more than 30 towns and villages covering more than 700 sq km. Stretching from Portsea to Mt Eliza, the region is filled with food, wine, shopping and beaches, making it a mecca for holiday makers all year round.

This issue of the IFA Newsletter covers topics like Pre-approvals, improving your asset's value and tips for first home buyers.

I went to Stanford University, San Francisco recently, and attended the Graduate School of Business on an Executive Education program.  Learning from the best of the best in the Stanford classroom and from Silicon Valley company executives (including for example Google), was amazing - massive learning; awesome experience.

But the biggest take out from the nine days away was not part of the program; it was an 8-mile bike ride through San Francisco and over the Golden Gate Bridge.

The most important thing about getting into debt is being able to get out of debt! 

According to Corelogic, the following are trends we will see in the property market during 2018. 

The popular bayside suburb of Beaumaris is situated on a headland and is almost surrounded on three sides by water, with its southern extremities at Ricketts Point and Table Rock Point. 

This issue of the IFA Newsletter covers topics like Pre-approvals, improving your asset's value and tips for first home buyers.

MARKET UPDATE. According to this week's The Australian, Melbourne’s property market is showing no signs of slowing down in the lead-up to Christmas. 

Is buying a new home on your Christmas Shopping List this year?  Buying your dream home is one of the biggest and most exciting purchases you are ever likely to make.  What a great Christmas present to yourself and your family!  The credit card will not stretch that far though.

Mordialloc is a beachside suburb located 25 km south-east of Melbourne's CBD. Known colloquially as Mordi, this suburb is home to singles, couples and families alike. Residents describe Mordialloc as one of Melbourne's best kept secrets, with great schools and childcare, proximity to beaches and an abundance of cafes and restaurants.

It’s often said that Australians are more likely to divorce their spouse than switch banks. But with plenty of competition in the home loan sector, refinancing can be a good move.

There are many reasons why you might want to refinance: You can consolidate debt from high-interest credit cards into a home loan with a lower rate of interest; you can release cash from your home loan equity for other major purchases; or you might want to simply save on your repayments by moving to a loan with a lower interest rate.

In one of the most dramatic changes to property depreciation legislation in more than 15 years, Parliament has passed the Treasury Laws Amendment (Housing Tax Integrity) Bill 2017 as at Wednesday 15th November 2017, with the Bill now legislation.
 

Interest Only loans have changed and may not be the best option for you. Read more to find out how the move from Interest Only (IO) to Principal & Interest (P&I) works and the impact of switching. 

Spring has sprung and the property season is well underway. Demand for property in Melbourne is expected to outstrip supply which will no doubt place further pressure on prices. Organise your finance well ahead of time so you can house hunt with confidence.