Tip 09 – How To Increase Contingency Funds. Where you structure the loan correctly, one way to build up your contingency fund is for the loan to be Interest-Only for the first year...

Tip 08 – How Contingency Funds Help. The loan account balance is reduced by the daily balance of the contingency fund, which reduces the monthly interest bill for the loan account...

Tip 07 – Establish A Contingency Fund. A common mistake for buyers is spending all of their finances on the purchase, repair and upgrade of a property – and having little in reserve...

Tip 06 – Splitting Your Loan. When borrowing money, ask whether you can split the loan into 2 parts – one part as a fixed interest rate loan and the other part as a variable rate loan...

Tip 05 – Fixed Or Variable Interest Rate? Advantages of a fixed rate loan: certainty as to the loan repayments for the term of the fixed rate loan...

Tip 04 – Keep Loans Separate. You should avoid or minimise using the same Lender to finance the purchase of multiple properties – we recommend different lenders for different properties...