What is it?  It’s the amount of the loan divided by the value of the security property, expressed as a percentage.   So, if you were getting a $750,000 loan to purchase a $1,000,000 home, the Loan to Value Ratio, or LVR, would be 75%Why is

You may not be aware, but there are literally hundreds of different loan products available.  We deal with about thirty different lenders, and each of them have their own special niches that sets them apart from the others.  First home buyers are a very special

A couple of generations ago, the view of debt was very different than today. I grew up between those generations. My father saved like crazy for about three years, then built a brand-new home with something like $10,000 from the bank. I imagine that he

A home loan or other forms of borrowing is not free money. But it is something that can enable you to purchase something that you otherwise could not afford, at least at this point in time.It may not be wise to purchase certain things with

You have heard of the proverbial frog in the kettle. Being cold blooded, it doesn’t realise the temperature is changing as it slowly goes up. He sits there contented until his eyeballs turn white and he is boiled and ready to be served up in

First home buyers will be allowed to salary sacrifice up to $15,000 per year until they reach a total of $30,000 of contributions.  That money along with a ‘deemed’ investment return can then be drawn from super and used for the purchase of their first

Or, how much do you want to pad the pockets of the banks? Really significant savings is very common when we refinance a home loan here at Grace Loans. Naturally the amount saved will depend on how much is borrowed, how bad the existing loan

Property investments can be loved, endured or fled from. Investors have had all kinds of experiences with them. Perhaps you have had that experience yourself. Given that investment properties can be either wonderful or a disaster, how can a person be reasonably confident of being

The smart money is still in family trusts, even though the tax man has been chipping away at them. The ability to arbitrage tax between family members, protect assets from creditors, and help with succession planning makes them as useful as ever in wealth creation.