by Peter Ristevski | Dec 10, 2025 | APRA, Home loans, Mortgages, Property Investment
The Australian Prudential Regulation Authority (APRA) has announced a significant shift in the way banks assess mortgage risk, introducing debt-to-income (DTI) lending limits for the first time in Australia’s history. These new rules, effective 1 February 2026, place...
by Investment Plus Accounting Group | Dec 2, 2024 | Home loans, How To, Mortgages, Refinancing
With interest rates fluctuating and the cost of living continuing to rise, it’s a smart move to consider strategies that can help you pay off your home loan faster. Whether you’re looking to pay down your mortgage more aggressively or simply manage your payments more...
by Investment Plus Accounting Group | Nov 1, 2024 | First Home Buyers, Home loans, Mortgages, Property Investment
Pre-approval is often the first step for those embarking on the journey to homeownership. While it’s not strictly necessary, securing pre-approval can alleviate stress and provide a clear understanding of your borrowing power. This confidence can be invaluable...
by Investment Plus Accounting Group | May 9, 2024 | Home loans, Mortgages, Peter Ristevski, Refinancing
Refinancing your home loan is a strategic financial move that can provide numerous benefits, including lower interest rates, reduced monthly payments, access to equity, and more. However, it’s essential to carefully consider your individual circumstances and...
by Peter Ristevski | Feb 13, 2024 | Home loans, Investment Property, Mortgages, Property Investment Tips
Many people underestimate the cost of buying a home – lender and government fees can easily add 6-8% on to the cost of the property. The best way to eliminate most of these costs is to be aware of the types of loan fees lenders charge and shop around for a loan that...
by Peter Ristevski | Jan 22, 2024 | Finance and Loans, How To, Mortgages, Refinancing
Why pay down your home loan faster You might wish to boost your repayments now, so that you can enjoy the freedom of being mortgage-free. This could help bring forward the overseas holiday you’ve been promising yourself, or help your children complete their education....
