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Interest capitalisation.
Many property investors may have heard of capitalisation of interest when it comes to structuring a financial package for financing an investment property.
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The "Reverse Mortgage" is a product becoming more and more popular in the market place and you will hear the term far more frequently in the future. What is a reverse mortgage and what does it mean?
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Most people fear borrowing large amounts of money, as they are unsure as to whether or not they can afford the repayments, however, they seem to have little fear of credit cards and personal loans.
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Property cycles what causes them and how do they work?
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Leveraging or Gearing is a term often used in the Financial world but what does it mean and how do you, or can you benefit from it?
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The Reserve Bank recently increased interest rates again. Why does this occur and how do you best protect yourself?
Most of you will know that interest rates have risen again by a quarter of one percent. You may also be aware that they may move again by a quarter of one percent in the near future.
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MORTGAGE INTERMEDIARIES / BROKERS
 Stuart Barker - Principal
They do of course need to continue to write business and it has caused them to re-address how they acquire that business. With this in mind they now enter formal arrangements with brokers to provide that business to them, and pay the intermediary/broker accordingly.
This reduces the need for a broker to charge the client a fee for service. It does not however, eliminate the need for a fee rated on two things, firstly the level of advice given and secondly the ongoing service provided. Remember the tried and true saying, "You only get what you pay for".
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