Unit 5a Mortgages
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This document discusses various aspects of taking out a mortgage, including: 1. The importance of getting pre-approval from a bank before making offers on properties and the process involved in getting pre-approval. 2. The types of lenders available, including major retail banks, smaller banks and lenders, and mortgage brokers. 3. How to calculate mortgage payments using online calculators or Excel functions. 4. That payments are made up of both interest and principal, with interest making up most of early payments.
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This document discusses how mortgage rates and terms can vary greatly between lenders and that some borrowers may qualify for better terms now that could save them thousands. It provides an example showing that on a $200,000, 30-year fixed rate mortgage, the monthly payment for a borrower with a 700 credit score and 6.2% rate would be $1,227, while a borrower with a 620 credit score and 9.4% rate would pay $1,671 per month, a difference of $444 per month or $5,328 per year. It advises readers to check their credit history and score, ask if their mortgage rate is over 7%, and consider refinancing or modifying their loan
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The document discusses the importance of asking the right questions when taking out loans, specifically focusing on the total cost and payoff time rather than just the interest rate or monthly payment. It provides an example showing how paying extra toward the principal can save tens of thousands in interest costs over the lifetime of a 30-year mortgage. The document also compares conventional mortgages that use pre-computed 30-day interest against daily simple interest loans, showing how the latter option reduces costs and builds equity faster in the early years of the loan.
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This document discusses how mortgage rates and terms can vary greatly between lenders and that some borrowers may qualify for better terms now that could save them thousands. It provides an example showing that on a $200,000, 30-year fixed rate mortgage, the monthly payment for a borrower with a 700 credit score and 6.2% rate would be $1,227, while a borrower with a 620 credit score and 9.4% rate would pay $1,671 per month, a difference of $444 per month or $5,328 per year. It advises readers to check their credit history and score, ask if their mortgage rate is over 7%, and consider refinancing or modifying their loan
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The document promotes Mortgage Managers LLC, which claims it can help homeowners slash their mortgage payments by as much as 80% using a legal method. It says the company's consultants can teach clients how to manage their mortgage to build equity faster and pay off their home sooner. It also argues that traditional mortgages result in homeowners paying over 100% of the original loan amount in interest due to compounding rates over many years.
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Mortgage is a modern day instrument of asset acquisition. Aside from being part of regular planned expenditures, mortgages have become tools in acquiring properties such as houses, condominiums, and other real-estate properties. In some cases, mortgages can even be used to secure loans.
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This document provides an overview of various mortgage features including:
- Interest rate options like variable rates that rise/fall with central bank policy and fixed rates that are calculated as expected future variable rates plus a buffer. It also discusses split rates that are part variable and part fixed.
- Repayment terms discussing maximum 30 year terms but shorter terms meaning higher compulsory repayments and less interest paid overall. Longer terms mean lower compulsory repayments but more interest paid.
- Other useful features like mortgage offset accounts that reduce interest costs and redraw facilities to access extra repayments.
- New product features such as zero deposit loans using family guarantees and reverse mortgages allowing seniors to borrow against their home equity.
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Blog: https://financebuddha.com/blog/home-loan-vs-home-construction-loan
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This document provides an overview of various mortgage features including:
- Interest rate options like variable rates that rise/fall with central bank policy and fixed rates that are calculated as expected future variable rates plus a buffer. It also discusses split rates that are part variable and part fixed.
- Repayment terms discussing maximum 30 year terms but shorter terms meaning higher compulsory repayments and less interest paid overall. Longer terms mean lower compulsory repayments but more interest paid.
- Other useful features like mortgage offset accounts that reduce interest costs and redraw facilities to access extra repayments.
- New product features such as zero deposit loans using family guarantees and reverse mortgages allowing seniors to borrow against their home equity.
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Financing is the first concern of all kind of home buying. When you apply for a loan for an under construction property, it is called a ‘home construction loan‘. Whereas when a loan for buying a fully constructed house is availed, it is called a ‘home loan‘.
Blog: https://financebuddha.com/blog/home-loan-vs-home-construction-loan
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This document discusses enduring power of attorney and its importance for financial planning. It describes a scenario where a spouse is incapacitated from an accident and the other spouse is unable to access joint investments and pay medical bills without authorization. It recommends establishing an enduring power of attorney with a solicitor to grant permission for a spouse or trusted person to manage finances even if mentally incapacitated, such as from an accident or illness. This helps couples access needed funds in emergencies and the elderly plan for potential mental incapacity.
Unit 19d Will tips
The document provides tips for drafting a will, including naming an executor and backup executor, specifying who assets will be left to and what should happen to assets if beneficiaries are deceased, and planning for any children. It recommends keeping the will flexible, general, and only needing updates every 10 years. Signing multiple copies and leaving them with the executor and family members is advised. For those single with few assets, a will kit may be sufficient, but risks mistakes rendering it useless, so for assets over $10,000 or if married, having a solicitor draft it for $300-$500 is better.
Unit 19c Will choices
This document discusses important considerations for creating a will, including choosing how to distribute assets, selecting beneficiaries, appointing an executor, and nominating guardians for children. It recommends distributing assets as percentages rather than specific items, leaving clear instructions for alternative beneficiaries in case the primary ones predecease you. When choosing an executor, consider someone who is responsible and can handle potential family disagreements. Be sure to ask potential child guardians permission before listing them in your will to reduce the chance they refuse. The will must be properly signed and witnessed to be legally valid.
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This document discusses wills and what they cover. A will is a legal document that gives instructions about what happens to a person's assets after they die. It specifies who will receive assets (beneficiaries), who will oversee the estate (executor), and who will be guardians of any minor children. Having a valid will makes transferring ownership of assets easier for beneficiaries and reduces costs and family arguments. The document recommends that people with over $5,000 in assets, married people, and those who care about their estate after death should have a will. Assets not covered in a will include jointly owned property, superannuation, assets in a family trust, and life insurance death benefits.
Unit 19a Estate Planning
John and Judy died in a car accident without a will while on their honeymoon. As they died intestate, or without a will, the probate court appointed an administrator to distribute their assets according to the intestacy laws of New South Wales. These laws deemed that John died first since he was older, so his assets passed to Judy. Then Judy, being younger, was deemed to have died second as a single person with no children, so her assets including property and jewelry passed to her parents. The administrator and lawyers accumulated high fees during this process, resulting in John's parents losing family heirlooms and property to Judy's parents.
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Mum and Dad should see a financial planner by age 50 and pay off their mortgage in full by then as well. They can salary sacrifice a large part of their salary after 50 and sell their home to downsize at 60, investing the difference into superannuation. After 60, they can convert their super into a non-commutable pension and keep working part-time to enjoy tax-free income from regular pension payments and tax-free returns, paying only 15% tax on income up to $35,000. Seeing a financial adviser is recommended due to current taxation system reviews.
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This document discusses retirement housing options for elderly parents including having them remain in their existing home, building a granny flat, or moving them to a retirement village. It notes that retirement villages can offer social opportunities and on-site care but also have disadvantages like high ongoing fees, lack of variety, and feelings of abandonment from family. The document also outlines different ownership models for retirement villages including strata title, leasehold, license, and company title, advising readers to carefully review terms and beware of exit fees and sale restrictions.
Unit 18b Age pension
The document discusses the Age Pension provided by the Australian government for elderly citizens with low assets and income. It notes that currently around 75% of retired Australians receive some Age Pension benefits. However, the government wants to encourage financial independence in retirement through superannuation as the population ages. The Age Pension is intended as a safety net for only the poorest 10-20% in the future. Eligibility for the Age Pension is outlined based on age, assets, and income thresholds. Receiving even a small Age Pension payment provides additional benefits like concession cards that reduce costs for items like property rates, utilities, transportation and medications. The document cautions about deeming rates applied to investments and gifting rules
Unit 18a Retirement
This document discusses key considerations and questions around retirement planning such as lifestyle choices, costs of retirement, investments, housing, government benefits, estate planning, health issues, and managing finances in retirement. It provides advice such as keeping investments simple, establishing a budget, drawing a regular income from superannuation or an allocated pension, using a diversified asset mix, and seeking professional advice for major financial decisions.
Unit 16 Advanced Graduate Strategy
This document outlines an advanced graduate strategy for personal financial planning. The strategy involves:
1. Saving $5,000 into a savings account and $5,000 into a managed fund. Taking out a $10,000 margin loan secured by the managed fund to invest more.
2. Using the margin loan to continue investing in the managed fund up to a $100,000 portfolio over several years.
3. Buying a $300,000 property with no deposit using the First Home Owners Grant and parental guarantee. Renting a room to offset mortgage repayments.
4. Continuing to invest savings and distributions to build the portfolio to $300,000 while increasing the margin loan,
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This document discusses different types of borrowing for investment purposes. It explains that property investment uses bank loans while shares and managed funds use margin loans. It notes that capitalizing interest allows interest payments to be added to the loan principal over time, keeping repayments low but growing the loan amount exponentially. While this grows the principal, interest payments remain tax deductible. The document also defines leverage ratio (LVR) and margin calls, explaining that exceeding the maximum LVR by more than 5% triggers a margin call requiring cash deposits or assets sales to reduce loan amounts.
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This document discusses using debt (leverage or "gearing") to invest. It provides an example showing how borrowing $400,000 to invest $500,000 in shares can magnify returns but also losses, depending on whether share prices and dividends increase or decrease. It defines gearing as borrowing to invest in growth assets. It notes that gearing is for long-term investors who can withstand short-term market fluctuations and have a high tax rate to reduce interest costs. It also defines positive and negative gearing in terms of whether investment income exceeds or is less than costs.
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This document discusses various fees associated with managed funds. Active managers try to achieve returns higher than the market index but may charge higher fees. Passive managers match the market index and have very low fees. Entry and exit fees are usually around 4% and paid to the financial advisor. Buy-sell spreads of 0.3-1.0% cover transaction costs. Administration fees, called the Management Expense Ratio (MER), normally range from 1.4-2.0% per year and cover advisor commissions and fund management. Wholesale funds have lower MERs but require higher minimum investments.
Unit 14c Managed Funds and risk
The document discusses managed funds and risk. It states that while AMP went through financial difficulties in 2003, managed funds are diversified so the risk of default is extremely low. It also explains that a fund sells assets to pay investors rather than defaulting, though some property funds bankrupt in the 1980s when they couldn't sell properties. It then asks the reader to arrange investments on a risk scale from lower average returns but less uncertainty of returns to higher average returns but more uncertainty of returns. Finally, it asks which portfolio would be most appropriate for a graduate willing to accept moderate risk and not touch funds for 7 years.
Unit 14b Types of Managed Funds
This document discusses different types of managed funds, including sector specialist funds that allow custom allocation between fixed interest, shares, and commercial property, and diversified managed funds that offer conservative, balanced, growth, and high growth options fitting different risk profiles. It also lists some examples of major fund managers like Colonial First State, BT, Macquarie Bank, and Credit Suisse, and notes that CommSec is a cheap way to buy managed funds online.
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The document summarizes how a managed fund works using an example of 100 friends pooling $1 million each, totaling $100 million, to invest through a fund manager. The fund manager invests the money and charges fees to manage the portfolio. In the first year, the value of the investments grows to $130 million. Unit holders have the option to sell units for cash or receive cash distributions from the fund manager based on dividend income. The fund manager distributes $4 million in dividends, lowering the unit price to $1.26.
Unit 13 Other Listed Investments
This document discusses various types of listed investments including listed property trusts, listed investment companies, derivatives, options, warrants, futures, and contracts for difference. Listed property trusts invest in commercial property portfolios and pay regular rent payments. Listed investment companies invest in a diversified portfolio of stocks on the stock exchange. Derivatives are financial instruments whose values are derived from underlying assets like shares or commodities. Options, warrants, futures, and contracts for difference are types of derivatives that allow investors to speculate on changes in asset prices.
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This document discusses taxation of shares in Australia. It explains that companies pay 30% corporate tax on profits and then pay dividends to shareholders which are then taxed as personal income, resulting in double taxation. To address this, the government implements a dividend imputation system which refunds corporate taxes paid to shareholders through franking credits. When receiving dividends, shareholders report both the cash amount and franking credit as income, using the credit to reduce personal taxes owed. For capital gains from share sales held over 1 year, only half the gain is considered assessable income.
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Unit 5a Mortgages
- 1. GENC3003Personal Financial Planning Andrew Hingstonandrew.hingston@unsw.edu.au Unit 5: Mortgages
- 2. 2 Arrange pre-approval You do this “before” making any offers! Decide on your bank and mortgage product Apply for the maximum amount possible Provide them with all paperwork / ID / payslips required can take a few weeks to get everything together Bank will give you “pre-approval” subject to them being happy with property you buy Usually given within a week of receiving paperwork Rarely “reject” a loan after pre-approval given
- 3. 3 Types of lenders Major retails banks ANZ, Westpac, CBA, NAB and St George Good service and good features Consistent, moderate interest rates Other banks and lenders Adelaide bank, Bendigo bank, Bank of Queensland A lot of smaller lenders exited the market in the GFC Mortgage brokers Aussie home loans, Mortgage choice Help you to find the cheapest home loan Many left the market in the GFC
- 4. 4 Calculate mortgage payments Mortgage payment calculators at bank websites or Calculate yourself in Excel using PMT() function PMT(rate per period, number periods, loan amount, residual) Eg. If monthly payments, 20 years (240mths), 6% pa interest (0.5% per month), $200,000 loan. =PMT(0.005,240,200000,0) = $1432.86 per month
- 5. 5 Each payment is part interest and part principal At the start of the loan, payments are mostly interest Towards end of the loan (after 20 yrs) payments are mostly principal Paying more than minimum payment makes a difference! Pay 1.5 x minimum = paid off in ~12 years (18 years early!) Pay 2 x minimum = paid off in ~8 years (22 years early!)
- 6. 6 Repayment options Payments consist of both principal and interest The normal situation (on previous slides) Loan is fully paid off at the end of the term (eg 25 years) Good for people who are not great savers Bad if you want to build up other investments as well Interest only payments Only pay interest on principal Usually limited to the first 10 years … then principal + interest Good for savers who want other investments Very bad for people who are bad savers