There are two sets of numbers to run when you apply for a home loan.  First on everyone’s mind is their borrowing capacity, that is, how much the bank will lend to them.

More important though is the other set of numbers, how much YOU think you can afford to repay.

The beachside suburb of Mount Eliza, located just one hour from Melbourne’s CBD is becoming more popular with younger families looking for great educational facilities and lifestyle.

According to the latest data from Digital Finance Analytics, nearly 55 per cent of Australian first home buyers turn to their parents for assistance to pull together a deposit for their first home. The Bank of Mum and Dad is now among the top 10 Australian lenders.

It is easy to complain about growing old, but it is sure better than the alternative.  There is some naivety in our community on ageing, so for the benefit of many, a story.

According to a report by Your Investment Property magazine,  despite the slowdown of the national property market, as of January 2018 Melbourne remains one of the 10 fastest-growing large cities in the developed world.

Did you know that around 60% of all property loans in Australia are now signed through a broker?

There are several reasons why more and more people are choosing this option, and we agree with all of them!

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.