Equity Release in Australia: Unlock Your Home’s Value
If you’re a homeowner in Australia, particularly over 60, you may be sitting on a valuable financial resource: your home equity. But what if you’re not ready to sell or downsize? That’s where equity release could come into play, giving you access to that wealth while continuing to live in the home you love. From […]
Using Super to Buy Property in Australia: What’s Actually Allowed?
If you’ve ever asked yourself, “can I use my super to buy a house?”, you’re not alone. As a mortgage broker in Sydney, Unconditional Finance hears this question often, especially from first-home buyers feeling locked out of the market or retirees looking to downsize. Here’s the truth: your super isn’t a free-for-all deposit pool, but […]
How to Start Debt Recycling the Right Way in Australia
Ever feel like your mortgage is just dead weight holding you back from building wealth? For many Australians, homeownership is the biggest asset they have, but it’s also their biggest liability. A debt recycling strategy offers a smarter way to manage that balance. When done properly, it turns your home loan into a powerful tool […]
Using a Line of Credit for Debt Recycling in Australia
Have you ever felt stuck between wanting to pay off your mortgage faster and wanting to invest for your future? It’s a common challenge, and it’s exactly where debt recycling strategies come into play. But did you know there’s more than one way to structure debt recycling? While traditional split loans are popular, a line […]
Interest-Only vs Principal & Interest Loans for Smarter Debt Recycling in Australia
When it comes to making debt recycling work for you, choosing the right loan structure isn’t just a footnote. It’s the foundation. The type of home loan you choose, whether interest-only or principal and interest, can have a major impact on how effectively you reduce your mortgage and grow your investments over time. At Unconditional […]
Franking Credits: The Hidden Advantage Investors Use
Ever wondered why some investors seem to earn more from dividends, even when they hold the same shares? It is not always about choosing better companies. In many cases, the difference comes down to understanding how tax works in your favour. One often overlooked feature of dividend income is franking credits, which can help improve […]
Two-thirds of property investors are negatively geared…
Surveys of property investors have confirmed that although investing can be a fantastic way to build long-term wealth, investors need to be prepared to weather periods of negative cash flow, especially in the early years. The Property Investment Professionals of Australia (PIPA) found that 65% of the investors they surveyed were negatively geared in 2024, […]
