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You Have My Interest - Getting Personal With Property Finance
You Have My Interest - Getting Personal With Property Finance episodes
- Deep Dive - Self Employed Policies for Sole Traders and Companies
In this episode, Evelyn talks about all things self employed lending.
Self employed finance is typically seen as 'hard' and can take longer to assess, but Evelyn reveals why this is just a myth, and how critical it is to speak to people who know specifically which lender will assess your income in the most favourable manner.
Applying with no context or knowledge of a bank's self employed policy is like taking a shot in the dark! You don't know where it will land.
Evelyn also talks about some of the commonly used policies she is seeing work for a number of clients, and the minimum requirements you need to meet if you are self employed.
Finally, Evelyn talks about HECS debt reforms for Australians, and Commercial and Industrial Stamp Duty Reforms. You can read the information sheet discussed here.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals.
Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
33 min - Finance Files - Buy and Sell without Bridging Finance
In this episode, Evelyn talks about how she assisted a long term client to sell a current property and purchase their next without using bridging finance.
Now this structure may not work for everyone, so Evelyn breaks down who would be eligible to finance a purchase this way.
She also talks about why loan structure is so important, and why a variable loan with offset facilities was the most suitable option for this client.
She talks about some potential pitfalls of fixed rates if you are looking at making additional repayments, and why knowing your loan term goals helps to identify the most suitable loan structure.
Enjoy!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals.
Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
15 min - Q&A - Pt 2: Using Equity, Investment Rates, Loyalty Tax and How to Beat It
This week, we head into part 2 of our client Q&A, where Evelyn answers four more questions in detail, covering off on everything from taking a sabbatical from work, right through to how you can beat loyalty tax with your current bank.
She also talks about reasons people refinance outside of interest rates, and how you can calculate the available equity in your property.
Tune in to hear Evelyn answer the following:
How does taking a sabbatical from work impact your ability to secure loan approval?
How do you refinance effectively?
How do you help clients by refinancing to help them build an investment portfolio?
What rates are you seeing for investment properties?
What tactics can be used to beat "loyalty tax" with your lender?
We hope you enjoy!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals.
Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
22 min - Q & A - Pt 1: Buying investment property 2 & 3, income, equity and more!
Welcome to our latest Q&A episode, where we tackle four insightful questions sent in by one of our clients.
In this episode we explore the concept of making extra repayments on an investment loan with an offset account. Does it make sense to pay more into the loan account if you already have funds in the offset? We discuss how this may change whether your loan is interest only or principal and interest.
We provide some tips and tricks for presenting a strong loan application for a second or third investment property, even if there have been changes to your income, such as a career switch or role change.
We also discuss some real-life scenarios where clients faced similar challenges with income fluctuations and how we successfully navigated these situations to secure favorable outcomes.
And finally, we delve into the likelihood of lender approval for a client whose income is variable due to a split between base salary and commission. Would regular increases in savings influence a lender's decision when seeking approval for a second investment property? And how would using existing equity change this?
Stay tuned for Part 2 of our Q&A episode, where we'll address the remaining questions from our clients and provide more expert insights into all things property and finance.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
19 min - Guest - Navigating the Property Market with Trent Alexander from Investments Accelerated
Let's talk about all things property investment.
To cover this big topic, Evelyn is joined by Trent Alexander, an independent property investment advisor.
Evelyn explores Trent's journey from the new home sector to his venture into founding Investments Accelerated, where he is all about helping people navigate the path to achieving their property dreams.
Trent shares valuable insights for first-home buyers, investors and those reassessing their portfolios, emphasising the importance of aligning investments with long-term goals.
The conversation also delves into rent-vesting with Trent offering balanced perspectives tailored to individual life stages.
Interested in partnering with Trent or learning more about property investments? Connect with him through the following links: Instagram, LinkedIn, Website
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
37 min - Finance Files - 100% Overtime, Novated Leases and Cash Out for Renos
In this episode, Evelyn delves into the complexities of novated leases and their implications on loan applications and repayments, with a focus on securing additional funds for property renovations.
Evelyn shares a client case and offers vital insights into the finer details of navigating novated lease agreements and understanding their impact on loan terms.
She discusses how these leases can affect a borrower's eligibility and alter the structure of repayment schedules, emphasising the importance of strategic financial planning when incorporating such elements into refinancing decisions.
Tune in to gain a deeper understanding and expert guidance on managing your finances effectively!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
16 min - Q&A - Client Asks Me Questions on Contract Work, Credit Cards and What Makes a Good Broker?
In today's Q&A, Evelyn is sent a series of questions from a long term client.
She explains how lenders view contracted employees compared to permanent or full time employees. She also discusses the difference between a contracted employee and an independent contractor, who is actually treated as self employed.
Evelyn then looks at what makes a good broker, and some of the key criteria to look at when deciding if a broker is right for you, and will support your long term goals.
Finally she discusses how credit cards impact your borrowing capacity and credit scoring, and when this starts to become an issue.
If you would like to send in a series of questions for our next Q&A, feel free to email us at [email protected]
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
20 min - Guest - Understanding Secured vs Unsecured Commercial Lending with Jack Talbot from Leverage Property Capital
Today we talk commercial lending with Jack Talbot, Director at Leverage Capital.
With experience at Bank of Melbourne and Liberty, Jack ventured into entrepreneurship almost four years ago, focusing on aiding business and self-employed clients.
Whether you're experienced or new to business financing, gain insights into navigating commercial finance.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
33 min - Deep Dive - Mortgage Refinancing Explained: When, Why and How to Refinance
In today's deep dive episode we're focusing on refinancing.
Discover why people refinance beyond just seeking lower interest rates, learn about potential challenges and gain insights into managing your home loan effectively.
Whether you're considering refinancing for a better rate, improved product features, or accessing equity, this episode offers valuable information to help you make informed decisions about your finances.
Don't miss this episode with practical tips to optimise your home loan strategy!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
27 min - Deep Dive - The Economy State By State, Building Reforms & RBA Meeting Changes
In today's episode, we're diving deep into the state of the economy.
Recently, Evelyn attended an event hosted by the Mortgage and Finance Association of Australia (MFAA) in Melbourne, where we had a presentation from one of the heads of Heron Todd White, a valuation firm, discussing the current economic landscape.
Additionally, we explored insights from the ComSec State of States report, which analyses the performance of Australian states and territories.
Notably, South Australia ranked number one in growth for the first time ever, followed by Victoria and New South Wales.
View the state of the states report here.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at [email protected]
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Apiro
24 min
About You Have My Interest - Getting Personal With Property Finance
From the publisher's feed
You Have My Interest is the podcast to help you make smart moves with your money, by giving you tips, tricks and tools to navigate your wealth journey.
Each week award winning mortgage broker Evelyn Clark and expert guests equip you with the insights and solutions you need for your property and financial success.
Remember to subscribe to the show on your favourite podcast player.
To find out more about how Everlend can empower you to achieve your goals with finance and property, just visit us at https://everlend.com.au/podcast at book in a free discovery call.