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Welcome to our May newsletter.
This month we cut through all the media hype and bring you some real views from those on the inside on how the changing winds of the global economy are impacting directly on Australian property investors.
How is the credit crisis really effecting the Australian finance industry? What does it mean for people like you who are looking to build sustainable wealth for yourself and your family? What can you do to protect yourself? Our articles this month address these issues and more...
The Bill Zheng interview in June Your Investment Property magazine - OUT NOW! Don't miss out on Bill Zheng's exclusive interview where he reveals his views on where the property market is headed and his practical advice on how to invest when times are tight.
New Brisbane consultant: This month we are pleased to welcome John Gorban as part of our Brisbane office team. John has over 6 years finance industry experience, is an active property investor and an enthusiastic renovator. Welcome John.
Property Finance Fundamentals Evening Workshops - New Dates in June: We have been getting fantastic feedback on our evening workshops...
"10/10. It gave me a new perspective on what I could do with the little money that I have available." S Smith, Heidelberg
"I liked having a smaller group and the fact you could ask questions." P D'Emillio, Kallista
"It related to me and my own portfolio!" B Dugosija, Melbourne
Our May workshops have sold out. But we have announced new workshop dates in June. If you want to learn how to develop your own money, finance and risk management strategy; how to identify the true quality of an investment; how many properties you can safely purchase today; how can you afford to safely continue to purchase properties into the future, plus much more, please click here
Until next month, I hope you enjoy this month's selection of articles...
PS. Don't forget you can ask us any finance related questions you like via our Ask The Experts link. We love your questions and publish the answer to the best question submitted every month. We respond to every question so don't hesitate ask us anything you want to on the world of investment property finance.
Regards
Tim Riley, Editor
We are living in strange times when it comes to finance. In the last 6 months Australian borrowers have been hit with lenders raising their interest rates independently of the Reserve Bank, have found it harder to obtain finance because of credit rationing and ever changing credit assessment guidelines. Whats more, they've found it even harder to switch lenders because of prohibitive exit fees and charges.
So are Australian borrower’s powerless to do anything about these changes? Is anyone looking out for people like you who are out there trying to build their wealth and secure their families financial future? What can you do to improve your situation? Tim Riley explains...
Click here for more information 
Written by:
Tim Riley, Investors Direct
There is no doubt that 2007 marked a watershed for Australian property and the economy. After years of steady and sometimes spectacular growth, the US sub-prime crisis of mid 2007 has had a profound impact on the world’s financial markets and the future of the Australian housing market.
Cutting through all the spin the reality of the situation for investors in May 2008 is that there have been many changes to the lending landscape since the start of 2008. We want to make you aware of these changes because they impact the way investors need to be managing their portfolios in these uncertain times. Michelle, Vince, John & Rhoda explain...
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Written by:
Michelle Coleman, Vincent Power, John Gorman & Rhoda Downie, Investors Direct
The incessant media hype surrounding our property markets on a daily basis has been overwhelming to say the least. I know from conducting my recent round of public seminars, that many investors and would-be investors are feeling very uncertain as to what it all means and where our property markets are heading.
There is little doubt that scare tactics are being used by the media to sell stories.
The question is – how do you sift through all of the information to work out what’s really going on? Michael Yardney explains...
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Written by:
Michael Yardney, PropertyUpdate.com.au
In the current climate of ‘doom and gloom’ it’s easy to fall under the spell of the mainstream media and the ‘end of the world’ stories. There’s no denying that in the US it’s time for certain sectors of the market to accept that major changes are coming their way. There will be a wailing and gnashing of teeth but as they say in the US ‘business is business’ and most players will eventually do what is needed to restore order. The United States has been demonstrating their capacity to do this since 1776.
So let’s try to get a fuller picture of what to expect and some interesting differences between the US and Australia.
Robert Dugan explains...
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Written by:
Robert Dugan, Mortgage & Finance Association of Australia (MFAA)
Ask The Experts - Question of the Month: Subscriber Janice D asks:
Should I fix my loan or do you think we are almost at the top of the interest rate rises? Also my mortgage has gone up over $600 a month with all the rises lately yet when I asked about putting the rent up in 3 of my properties the recommendation was for only a $10 increase. Why does the rental market take so long to increase when interest rates have jumped dramatically?
Lee Dittmer explains...
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Written by:
Lee Dittmer, Investors Direct
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