Is it time to Fix your Mortgage?

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With interest rates at an all time low, many home owners are asking “Is now the best time to fix my home loan?”

While the decision to switch to a fixed rate home loan will vary based on your personal circumstances, there are some great benefits to fixing your rates now rather than later. Mr Robert Projeski, the Managing Director of Australian Mortgage Options, says that Australia’s interest rates are at an all time low and borrowers can get some really good bargains.

“Most of our clients fix at least 50% of their home loan, and leave the other half on variable rate, with most people choosing to fix their rates for around 3-5 years.”

The other benefits of fixing your loan is the peace of mind that it gives you. “It’s knowing what your monthly repayments will be, and knowing that you can pay off your home loan for how ever long you decide to fix your rates for," says Mr Projeski.

How can I use equity in my home to help my kids get into property?

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As parents we know from experience that it can take several years to save up enough money to use as a deposit for your first home. But how can you help your kids to save a deposit so that they can own their own home sooner? Can you help your kids to build a property portfolio without giving away all of your hard earned cash as a "gift"? And what measures can you take to protect yourself?

In this radio interview on 2UE's Talking Lifestyle, Robert Projeski, the Managing Director of AMO talks to parents on the pros and cons of lending money to their kids. He also talks about how parents can tap into the equity in their own home, and suggests some safe options to help their kids get into the property market.

How to Make the Most of Australia’s Low Interest Rate Environment

Mortgage rates have been coming down for a while and recently hit their lowest level when the Reserve Bank of Australia decided to further reduce the official interest rates to 1.5 percent. This opens up opportunities for those who want to use their home equityto create wealth, and for existing mortgage holders to pay down their mortgage and own their own home sooner.

What Every Young Australian Can Do to Own their Own Home Sooner

In a world with easy access to credit, becoming financially savvy and knowing how to invest to create wealth is more important than ever for young people who want to get ahead. But one of the most common concerns is whether The Great Australian Dream of owning your own home is out of reach for many young people. Mr Robert Projeski, the Managing Director of Australian Mortgage Options (AMO) believes that while these hurdles are real, they’re not insurmountable.

What are the financial requirements for buying a commercial property?

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When investors apply for a commercial property loan, the requirements by the lender can be a lot stricter than when applying for a residential home loan. In this interview on 2UE Talking Lifestyle, Mr Robert Projeski, the Managing Director of AMO, discusses interest rates and the required deposit for a commercial property loan.

Should I switch from a Part fixed, part variable home loan?

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A part fixed, part variable rate home loan such as AMO's own Future Proof Home Loan gives you partial protection against interest rate increases. But is it a good idea to switch provider if you find a better value home loan?

In this interview on 2UE, Mr Robert Projeski, the Managing Director of AMO, talks about the costs and advantages of switching away from a fixed rate home loan.

How to Maximise Depreciation on your Investment Property

How to Maximise Property Depreciation

The Australian Taxation Office (ATO) gives specific guidelines to the way that assets are to be treated for depreciation purposes, with rental properties making up one of the biggest deductions available to investors. Unfortunately some investors fail to claim these deductions.