Oversupply of Apartments – Fact or Fiction?

Posted Monday, May 30, 2016 Comments (0)

Australia is currently witnessing a significant boom in the number of apartments being built; city skylines are littered with cranes, particularly amongst the major cities across the east coast. As a result, banks are tightening their lending policies to apartment developers. The following table ... more

The Lending Landscape – Some Current Trends

Posted Wednesday, April 27, 2016 Comments (0)

2016 has started with record Bank profits, interest rates still at historical lows, and a significant amount of experts warning of a unit supply bubble in Brisbane. Balmain has been arranging property finance for over 35 years and the the top 3 changes / trends we have identified in the cu ... more

Borrowing Through Your SMSF – Is Change Coming?

Posted Tuesday, April 28, 2015 Comments (0)

There has been plenty of speculation in the media of late about significant changes being made to the ability of a Self-Managed Super Fund (SMSF) to borrow funds to purchase property. David Murray’s recent Financial System Inquiry has even gone to the extent of recommending the government  ... more

Property Finance – the impact of valuations

Posted Thursday, August 28, 2014 Comments (0)

One of the most fundamental and inherently important aspects of property finance is determining the value of the property. This sounds like it should fall into the realm of common sense, however you don’t have to search for long to find evidence to the contrary. There are scores of investo ... more

Time to refinance your home loan?

Posted Thursday, August 07, 2014 Comments (0)

In 2013, approximately 37% of Australian households had their home secured by a mortgage. This percentage has increased from 34.1% in 2006 and 34.9% in 2010. Is it worth your time seeking alternative finance options? In 2013, approximately 37% of Australian households had their home secure ... more

What is WALE and why is it important in securing commercial property finance?

Posted Tuesday, July 08, 2014 Comments (0)

WALE is the Weighted Average Lease Expiry of a property, and measures the average time period in which all leases in a property will expire. A shorter WALE (ie. up to 3 years) indicates that there is greater turnover in tenants in the near term and there may be higher costs in re-tenanting and m ... more