Key Takeaways APRA mandates an assessment buffer of at least 3.0 percentage points above the current mortgage interest rate when evaluating loan applications. If your contract variable rate is 6.20%,…
Key Takeaways Interest-only (IO) terms lower mandatory monthly outgoings by 25% to 35%, preserving cash flow for portfolio expansion or debt reduction on non-deductible home loans. Lenders typically apply a…
Key Takeaways Australia does not have a federal real estate license; buyers advocates must hold state-specific licenses in every jurisdiction where they transact. In NSW, Victoria, and Queensland, advocates must…
Key Takeaways Doing it yourself eliminates $10,000 to $25,000 in upfront professional fees, but demands 100 to 200 hours of intensive market research and inspections. Advocacy pays off most clearly…
Key Takeaways Genuine buyers agents represent the buyer exclusively and must never accept developer kickbacks or selling commissions. Verify that the specific individual advocate handling your brief holds a personal…
Key Takeaways Australian buyers advocates charge between 1.5% and 2.5% plus GST under percentage models, or between $9,000 and $25,000 under fixed-fee agreements. Engagement retainers typically range from $1,500 to…
