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property buying

What’s the difference between borrowing capacity and affordability?

So you want to buy your first home? Maybe your second or even an investment property? Well here is a tip from a friend for free: Just because the bank says you can borrow a certain amount doesn't mean you should! When it comes to borrowing money, many people confuse ...
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Is off-the-plan on the money?

With rising house prices, is buying off-the-plan for capital growth a good idea? When it comes to property investing, or any investment, there’s no such thing as a free lunch.  AMP Capital’s Dr Shane Oliver suggests going in with your eyes open.  Reasons to buy off-the-plan Benefits can exist in ...
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Is it better to buy an investment property or home first?

There’s a lot to consider when making such an important purchase, especially for the first time. Have you been saving up for a long time and finally feel ready to get into the property market? Maybe you’re considering either buying a home to live in or investing in a property ...
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    Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.

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