In this video I walk you through exactly how a bridging loan works, how lenders calculate peak debt and end debt, and which are my go-to lenders for bridging.
I'll also walk you through the bridging calculator I use, and the questions to ask, so you can run the numbers confidently with your client.
Once you understand the mechanics, bridging loans stop being scary and start being a genuinely useful tool in your arsenal.
In this video I walk you through exactly how a family guarantee works – who the guarantor is, what they're actually guaranteeing, how lenders assess the deal, and what needs to happen for the guarantee to be released down the track.
I'll also cover when a family guarantee actually makes sense, when it doesn't, and the conversations you need to have with both the borrower and the guarantor before you go anywhere near an application.
Because when it's structured right, a family guarantee can open doors that would otherwise stay shut. And when it's not – it can create a mess that's hard to unwind.
In this video I walk you through a hypothetical scenario which follows a home buyer as they build a portfolio up to 5 investment properties - and what that looks like after holding them until retirement.
We cover how to calculate usable equity, how to avoid common structuring mistakes, and how to have the equity conversation with clients in a way that actually makes sense to them.
I’ll also give you some tips on how best to approach this from a servicability perspective.
If you want to be the broker your clients call when they're ready to build wealth – this one's for you.
This video is Part 2 of the Investment Property Structure series – please watch How to Structure a Simple Investment Property Purchase before this one, as this video picks up where that one left off and won't make as much sense without it.
In this video I walk you through the same deal structure, but this time with LMI – showing you exactly how the numbers change when your client is borrowing above 80% LVR.
In this 8.5 minute video, I walk you through how to structure an investment property purchase properly – ensuring the loans remain stand alone (not cross-secured).
I break down the numbers exactly how I would with a client – including purchase costs and true holding costs – then show you how to clearly explain both pre- and post-tax weekly shortfalls.
From there, I take it one step further and show how to use those post-tax holding costs to work out the capital growth the property needs to achieve to actually be a worthwhile investment.
Most brokers stop at structuring the deal.
This is where you separate yourself – by showing clients the real cost to hold and what the property actually needs to deliver.
This is the practical, client-facing way to explain strategy – not just the theory.
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