All Posts By

Nicola Nemaric

Your Borrowing Capacity Has Probably Improved

borrowing capacity covid email header

The current historically low interest rates have bumped up the borrowing capacity for most people, which in turn is allowing them to get into the market. Increased borrowing capacity also allows people to release some of their equity, to help them through tough times. It’s important to understand how banks lend money. They want to know who is borrowing the money. They want to know if you’ve got dependants and what the purpose of the funds is for. But as you can see in the image below of a bank calculator, banks are primarily interested in your cash flows. They’re…

Continue Reading

The Property Market Turns Cash Flow Positive

graph of the cash rate

Note: If you would like to learn about the impact of low interest rates, you may prefer to watch this video instead.   Globally, we have are facing some challenging times. But it’s not all doom and gloom. There is some good news worth sharing, in particular for investors. This unique situation we are all in has created some amazing opportunities. Impact of low interest rates Let’s first talk about what the impact is on our property market with regards to these record low interest rates. As you can see in the graph below, Currently we’re sitting at 0.25% in terms…

Continue Reading

Coronavirus

coronavirus image

The coronavirus (CoVID-19) has sparked a lot of questions from our clients about how this will affect the economy and property market. We put together this coronavirus property investment resource to answer these questions: How will the coronavirus impact the property market? How will it effect the economy? Is it a good time to buy? What if I can’t work or lose my job? What about the share market? How can I protect myself? How is AllianceCorp supporting the community? The media has created a lot of fear and panic. Our resource shows the reality of the situation using historical data….

Continue Reading

Q&A: What does walk score have to do with property?

people walking

Question: I keep hearing about “walk score” in relation to property. What is it and does it matter? Answer: Walk Score is becoming increasingly significant in terms of property value. Firstly, Walk Score is a measure of a community’s walkability. That is, how easy it is to walk from your home to key amenities – shops, parks, schools, work. Population density and block length are also taken into account. Walk Score ranks properties on a scale of 1 to 100 with a high Walk Score estimated to add between $30,000 to $50,000 to a property’s value. While the proximity of key facilities has always been important to homeowners and renters, it’s becoming even more…

Continue Reading

4 tips to protect your lifestyle when property investing

If you’re thinking about investing in property, you may have concerns about how this will impact your lifestyle. We want to build secure futures but we don’t want that to mean we can’t enjoy our day to day living. So I’ve created this video with 4 key tips to ensure your property investment doesn’t negatively affect your cash flow. Have a watch and if you have any questions about cash flow, you can call an AllianceCorp Property Coach on 1300 728 838

Continue Reading

Q&A: Helping my kids get into property investment

children

Question: We have a few older kids now. We want to help them get into the property market but it’s just getting very difficult. What can we do? Answer: If you have a look at twenty year-olds and home-ownership, it’s actually on the decline. And it’s only getting harder and harder due to affordability. So how do we help them? I’ve got three tips on this: 1. BE A ROLE MODEL You’ve got to do it yourself. If you want to get your kids involved in property investment, learn how it works. You may already have a home with some…

Continue Reading

Q&A: Protecting the Home

home with foreclosure sign

Question: We live in Melbourne and own our home. How do I protect our home if we invest in property? Answer: This is a really important question and a common concern. One of the first things I would say is don’t cross-collateralise. What does that mean? If you walk into a bank, and say that you want to invest in property, they’ll often recommend that you secure the investment loan against your home – providing your home as security. You don’t need to do that. Secondly, release your equity first. By releasing your equity first, through what we call a Master Facility, you will be able to cover all the…

Continue Reading