Unito Property Investments in Baulkham Hills, New South Wales | Property investment firm

Unito Property Investments

Locality: Baulkham Hills, New South Wales

Phone: +61 425 370 438

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25.01.2022 We Help Make your Propert Dreams Happen All Areas. Marsden Park, Riverstone, Box Hill Gregory Hills, Leppington, Newcastle Call us

21.01.2022 Close call: RBA announces May cash rate decision 07 May 2018 Tim Neary The Reserve Bank has announced its cash rate decision for April, as the federal election nears and the countrys political leaders ratchet their squabble politicking into top gear.... As predicted, but not as fervently as in previous months, the RBA has held the official cash rate steady at 1.50 per cent. Australias top economists and market commentators were divided on which way the RBA would lean today, but Leanne Pilkington, managing director at Laing Simmons, got it spot on. She had felt the RBA would hold off the now anticipated cut, but said it was as close a call as the RBA has faced in recent times. The March quarter CPI figures were a bit of a shock but we still see the hold pattern as the prudent course, she said prior to the announcement, adding that a single rate cut takes time to wash through the system. And the Cutting the cash rate could serve to stimulate the property market. However, history shows us that the RBA does not move the cash rate during an election campaign. Chief economist at REA Group, Nerida Conisbee, also had one eye on the election. She had predicted an RBA rate hold, but said this months decision was a hard one to call. Im going with hold but I am not as confident as with my previous calls, she said prior to the announcement. AMP economist Shane Oliver also called it wrong, saying weaker than expected underlying inflation in the March quarter argued the case for the RBA to cut now, rather than wait another month. Rate cuts [are] on the way thanks to slower economic growth and the downturn in the housing cycle, said Mr Oliver. ion numbers are terrible but jobs still looking okay. Plus, there is an election coming up. economic situation is fluid, particularly given the upcoming election.

20.01.2022 Herewith the MFAAs media release on the latest broker market share for the quarter ending 30 September, 2018. What an outstanding result for our industry and one we will be sharing with key decision makers within ASIC, Treasury and all sides of politics later today. On a separate note, I look forward to providing members with an update on a number of new key MFAA initiatives in the near future.... Mortgage Broker market share surges to a record 59.1% The mortgage broker channel has achieved its highest ever residential home loan market share despite an overall reduction in lending of $8.46 billion compared to the same period in 2017. According to the latest data released by research group comparator, a CoreLogic business, during the September 2018 quarter mortgage brokers settled an unprecedented 59.1 per cent of all residential home loans. Compared to previous September quarter results of 53.6 per cent in 2016 and 55.7 per cent in 2017, 59.1 per cent is an exceptionally strong outcome for the industry and largest year on year increase for any quarter in the last four years. Although settled broker volume dropped between the September 2017 and September 2018 quarters from $51.77 billion to $50.19 billion, a 3% fall, when taken in context with an overall market decline of 8.5% from $98.79 billion to $90.33 billion in the same period, the broker outcome represents an outstanding result. MFAA CEO Mike Felton said the result reflects not only the trust and confidence customers have in their mortgage broker but the systemic importance of the mortgage broking industry. This result has occurred during a period of severe credit tightening with brokers stepping in to provide critical assistance in the redistribution of credit demand for those seeking home lending, Mr Felton said. As banks have persisted in making it more difficult to secure a loan, turning many would-be borrowers away, consumers have continued to increasingly utilise the broker channel for experience, expertise and greater market choice to secure access to credit. In addition to providing customers access to a panel of 34 lenders on average, brokers are ideally positioned to help customers, especially those with more complex lending scenarios, to understand the ever-evolving application process and provide the information necessary to meet changing lender requirements. Mortgage brokers continue to offer choice to consumers and ensure credit continues to flow which is of systemic importance to the housing market and a strong economy. Comparator compiles quarterly broker statistics for the MFAA by calculating the value of loans settled by 18 of the leading brokers and aggregators as a percentage of ABS Housing Finance commitments, table 5609.11. The MFAA releases these statistics each quarter.

20.01.2022 What Are Valuations? For those who have made property investment a significant part of their life, valuations are common practice. But the reality is a large portion of Australians either dont know what valuations are or, have a misconception of the process behind them. So, this week I would like to spend some time on the topic of valuations and what it means to you as an investor. While valuations can be conducted for a number of reasons, the most common purpose of a prope...Continue reading

18.01.2022 6 Perks of buying off the plan Buying a brand new house with land has many benefits. This is mainly because it involves buying a brand new property that comes with brand new fixtures and fittings, and also because it gives buyers much more time to get their affairs in order before settling on their new home. That said, like any major investment, you need to do your research before signing on the dotted line. With that in mind, here are six major benefits of buying a house and... land package: 1. Big stamp duty savings One of the well-known and biggest reasons for buying a land & house package is the potential for huge stamp duty savings, as stamp duty only applies to the land value and not the build cost. 2. Depreciation benefits If youre buying off the plan as an investment and plan to lease your new home to renters, you may be eligible for 1000s of dollars worth of tax deductions. Get a full depreciation schedule from a quantity surveyor once your property settles. Increased depreciation means your holding costs will be much lower as the tax man is covering a bigger portion of your investment property expenses 3. Repair cost savings It goes without saying that a brand new home will not need the ongoing maintenance that an older property often needs with this in mind new homes also include warranties. 4. Lower power bills Changes to the Australian Building Code mean new properties must meet stringent energy efficiency requirements. Your brand new house should be fitted with some of the most power-saving appliances and gas/water/electricity systems on the market, which is a big plus for owner occupants and future tenants alike. 5. Potential capital gains Buying a house & land package allows you to buy at todays price. In a buoyant market, this often means you will own a property thats worth more than you paid for it by the time you move in. 6. Buys time for buyers Buying a new house & land package is one of the easiest ways to get into the property market. You only need a small deposit today and can pay the balance of the purchase price at settlement, once construction is complete. Savvy buyers use this time to save towards moving costs, furniture, the home and the house-warming party. With more savings to put towards your new property you will be able to borrow less and therefore your loan repayments will be much lower.

17.01.2022 First Home Buyers No Mortgage Insurance up to 95% LVR The Coalition Government promised before the federal election to help first home buyers get into the housing market. That help is the First Home Loan Deposit Scheme. Instead of saving for years to get a 20% deposit, you could buy your first property sooner with the Government acting as your guarantor. Under the program, you can buy your first home with a deposit as low as 5% of the propertys value if you earn up to $125...,000 a year ($200,000 for couples). The Government would pay the lenders mortgage insurance (LMI), which banks typically require for any deposit below 20% of the home value. This could mean a saving of around $20,000. for a $500,000 loan. The scheme, set to kick off in January 2020, would help up to 10,000 of the estimated 100,000 first-time buyers each year. There would be a limit on the value of the property you could buy based on your region. But details have yet to be released. Not All Banks will be involved with this Scheme. Hurry Register on the OSR sight 1st January 2020 See more

15.01.2022 Property market set to soar post-COVID-19 18 May 2020 Cameron Micallef Investors are being reminded that the pain in the property market will be short-lived, with property prices expected to bounce back post-pandemic.... Research conducted by PIPA chairman Peter Koulizos analysed annual median house price and index data for seven consecutive years, including the start of each recession or economic downturn from 1973 to the GFC. The data found that five years after each of the recessions or economic downturns over that time period, capital city house prices saw a significant increase. In fact, looking back over the past nearly 50 years, house prices were higher five years after a recession or downturn each time, Mr Koulizos said. While some areas outperform others, due to a variety of economic reasons including employment, Mr Koulizos stated that, overall, capital cities continued to grow. The moral of the story is dont panic. Property has shown its resilience through economic shocks before and we have no reason to expect it wont do so again. Propertyologys head of research, Simon Pressley, recently reaffirmed this, stating: Property investors are being urged to take comfort in knowing the current economic volatility has a cause with a defined solution and a relatively defined time frame.

09.01.2022 A Shot in the Arm for the Property Market Three events occurred recently that will inject life into the property market. First, the ALP lost the Federal Election removing the threats to negative gearing.... Then the Australian Prudential Regulator (APRA) announced changes to lending policy that will make getting a loan easier; And, on the same day, the Reserve Bank (RBA) telegraphed that it will cut interest rates in June. The recent property downturn was partly driven by the credit crunch when APRA was forcing lenders to assume loans were around 7.25 per cent to assess whether borrowers could make loan repayments. Under its new policy, borrowers will be assessed at 6.25 per cent. Some economists have calculated that borrowing capacity will increase by as much as $100,000. And other economists believe the bottom of the market will be reached at the end of this year rather than 2020 as previously predicted.

07.01.2022 Home Buyers! Home buyers keen to capitalise on Sydneys falling prices may want to go on a diet, or learn to cook. Housing experts have warned that lending institutions have become so strict in their assessments of prospective buyers spending habits they are scrutinising every dollar of expenditure. ... And that includes what buyers spend on food, going out, hobbies, travel, clothes and so much more. More frivolous spending has tended to attract the ire of banks, which have been mandated by financial regulators to be more cautious in their determinations of what buyers can afford to borrow. Now theyre looking at your banks statements to see how often you have takeaway food. All other spending habits. So, Start watching your spending habits if you want to buy a home.

05.01.2022 About Us Unito Property Started out as a self investor as we say Putting Money Where Your Mouth is Being avid investors ourselves.... The Benefits to YOU as a Unito Property customer are; We take the Stress out of YOUR experience in sourcing all the services that YOU will need during the purchase process. Our closely-knit structure allows us to provide that all elusive Personal service that most other companys can only aspire to. UNITO PROPERTY seeks to provide YOU with the knowledge, tools and confidence to proceed to a completed purchase of one or more of our well researched and highly recommended quality properties. YOUR personal investment needs will be overseen by a principal of the company to ensure that the Quality of Service that we promise, is in fact delivered. Unito Property is a highly experienced supplier of New Quality Residential Property to the investor marketplace. We deliver to YOU outstanding properties and quality House and Land packages across a broad spectrum of Eastern Board especially NSW.. We cater for YOUR individual investors needs, from the novice to the professional. Our strength lies in our 12+ years of intensive trading experience, resulting in the ability to recognize opportunities for YOU in upcoming potentially high growth areas. YOU, our customer, are responsible for our 12 + years of Integrity and Flawless Reputation

03.01.2022 Findings from a report^ by the Australian Competition & Consumer Commission (ACCC) reveal that 70% of recent borrowers only obtained one quote before taking out their mortgage, potentially costing them tens of thousands of dollars. The consumer watchdog found "unnecessarily high search costs or effort" reduced borrowers willingness to shop around for home loans. "I encourage more people to ask their Brokers, whether they are getting the lowest possible interest rates and bes...t suited loan product for their residential mortgage," ACCC chair Rod Sims said. Borrowers many of whom are unaware they may qualify for a better rate with their existing lender could save thousands of dollars over the course of 30-years by negotiating with their current lender or looking elsewhere. Your lender may not be giving you the best home loan or rates, let your Broker Financewerx do the negotiating.

03.01.2022 Land For Sale Rouse off the Plan

02.01.2022 https://www.brokerbehindyou.com.au/ Join the fight in support of mortgage broking! Potential reforms are currently being discussed, which, if enacted, could make the mortgage broker channel unsustainable - potentially forcing customers back to the big banks and cutting their access to smaller lenders and credit.... Support your broker now by clicking on the link below and signing the petition and by contacting your local Federal MP in support of mortgage broking. JOIN THE FIGHT!