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You should be outraged…
You need to be outraged … the Royal Commission WILL affect you.
The banks have got away with it again, and you, the consumer, are going to made to pay – through your home loan.
This is how;
A Buyers Market
Most people misunderstand badly the term “buyers’ market” and hence never take advantage of one.
A buyers’ market is one where no-one is buying.
Consequently, it is a terrible time to sell.
In a buyers’ market there are more sellers than buyers, buyers can take their time, negotiate price and/or conditions to suit themselves and if a seller doesn’t “meet” their demands then the buyer moves on to a seller who will.
Merry Christmas 2018
Christmas has a certain magic when seen through the eyes of a child. It’s historical origin of course was in the birth of a child. That magic can disappear (from my own recollections) sometimes around 7 years old whenSanta meets reality. As adults it is so easy to get...
Lots of Noise but Very Little Clarity
Who wouldn’t want house price to go down? – I’ll tell you who – that would be EVERY person who owns a house.
One side of politics at the moment sets the country against itself – the politics supposedly of the “haves” and the “have-nots”. What a sad way to view life and aspiration.
Two Significant Threats
Two Significant Threats to YOU Personally
Number 1. Identity theft and fraud are now prevalent in ways not seen before.
Someone uses your name and date of birth and drivers licence / passport details to fraudulently obtain a $20k personal loan or credit card from an unwitting lender
Interest Rate Update
A Tale of Three Cities
The hottest topic in real estate at the moment is whether or not there is a so called “property bubble”.
The best way to define a bubble is when property price rises more rapidly than the long term trend line.
The long term trend line reflects “normal” growth. This long term growth reflects underlying factors such as supply and demand and economy wide inflation.
Very Big News!
The Sydney property market has plateaued – with prices for both houses and units off the boil since June 2017 as the peak (Domain March Quarter House Report – Apr 26th).
APRA played a large part in this Sydney slow down by applying investor restrictions to the entire country (that was unfair, in my opinion). To APRA’s credit they have now (announced 9:02 am Apr 26th) removed these restrictions.
The Goose that Laid the Golden Egg…
APRA’s enthusiasm to kill off investor lending has worked, possibly a little too well. The Golden Goose of investor lending, rather than slowing down to a waddle (10% year on year growth), has something closer to a terminal illness. (The Adviser 28 Feb 2018)*
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