how to make an offer on a house
You’ve found your dream home or discovered the perfect investment property. Now, how do you go about making an offer to acquire it? First-time property buyers often find the process of making an offer nerve-wracking. If you offer to high a price, you may end up paying too much for the property....
How to make an offer on a house
There’s more to putting an offer on a house than simply finding your dream home and letting the agent know you’re interested. For instance, do you have to pay the asking price or is there room for negotiation? And what happens when you do make an offer that’s below the asking price? Table...
mortgage break divorce
Dealing with the end of a long-term relationship is never easy. Apart from the emotional turmoil, there is also the practical side of working out living arrangements, custody of any children and finances. If you and your spouse have a joint mortgage, things have the potential to become even more...
salary sacrifice mortgage
Salary sacrificing into superannuation is a popular savings strategy in Australia. Less well known but potentially just as effective is the practice of salary sacrificing to your mortgage. Also known as ‘salary packaging’, the strategy involves making an arrangement with your employer under...
buying property through a self managed super fund
Increasing numbers of Australians are turning to self-managed super funds (SMSFs) to grow their retirement savings, rather than relying on traditional industry and retail funds. Table Of Content SMSF property rules to be aware of Pros and cons PROS Tax-effective Discounted capital...
mortgagee-in-possession-sale
Many investors view mortgagee-in-possession sales as a golden opportunity to add a property to their portfolio at a price below its true market value.  In simple terms, a mortgagee-in-possession sale comes about when a mortgage holder has repeatedly failed over an extended period to make...
Mortgage default guide
Taking on a mortgage to buy a property is one of the most significant milestones in many adults’ lives – and also one of the biggest financial responsibilities read on for a definitive guide to mortgage defaults.  Table Of Content What happens if you default on a mortgage How long...
First Home Buyer Grant
Australia first introduced a Commonwealth first home owner grant back in 2000. Researchers predicted the GST (introduced the same year) would have a negative impact on the real estate market and so the grant was introduced to offset the effects of the GST. Table Of Content First Home Owners...
Foreclosure Home For Sale
We Australians tend to watch so much American television that we sometimes become confused between their institutions and laws and our own. An Australian might talk about ‘ringing 911’ when they in fact mean ‘ringing 000’. Or we might expect someone to be ‘read their rights’ when they...
Guide to distressed property
Not everyone selling a property has the luxury of waiting until they obtain the best possible price. The term ‘distressed property’ refers to situations where property owners are forced to seek a quick sale, often due to financial or personal difficulties. In such circumstances, people who have...
Bank possessed property
One of the most successful strategies for making money through property is to buy a house or unit for less than its true market value and then re-sell it later for a higher price. This can be achieved through sales of bank possessed properties read on to learn more. Table Of Content Banks...
mortgage broker fee
Mortgage brokers play a useful role in the property market, helping to connect would-be real estate buyers with suitable loans. Their deep understanding of the different lenders and loan products available means brokers can often track down far better mortgage options than a consumer could on their...
capital gains tax 2021
They say the only two certainties in life are death and taxes. If you’re an Australian who owns an investment property, a home that has been rented out, or a share portfolio and you plan to sell your asset in the future, then there’s a very good chance you will be liable to pay capital gains...
For more than a decade, DG Institute’s Real Estate Rescue Program has been teaching students the secrets of making money from distressed property. A core principle is ensuring that both investor and property owner walk away winners, explains DG Institute Founder and CEO Dominique...
Rent vs Buy
Knowing when to rent and when to buy property in Australia is a decision that requires careful research and analysis. It’s important to understand the pros, cons and costs of both options, so you make the best decision for you. DG Institute Founder and CEO Dominique Grubisa explains the key...
How to make an offer on a house
Successful real estate buyers understand the most effective home offer strategies and how to get their offer accepted on a house. DG Institute Founder and CEO Dominique Grubisa explains what you need to know and do when making an offer on a house. How to make an offer on a house Get...
RBA Historic Low Interest Rate
With Australia’s official interest rate now at an astoundingly low 0.1 percent, it’s never cost less to borrow money. DGI Founder and CEO Dominique Grubisa explains what the latest rate cut means and how to use the current set of economic conditions to your advantage. With all the fuss...
Don’t be fooled by the buoyant spring property market in some Australian markets. We haven’t magically escaped the fall-out of COVID-19, and an economic day of reckoning is coming. DG Institute Founder and CEO Dominique Grubisa explains how to avoid the worst of it. Pandemic? What pandemic?...
Australia Regional Housing On The Rise
Capital city property prices have been hit hard by Australia’s economic downturn, falling on average by two percent in the June quarter. But regional centres are faring much better, and have the potential to yield great returns over the coming months and years. DG Institute Founder and CEO...
Stealing a deal at a auction - DG Institute
Things To Know About House Auctions Buying a house at auction Auction house advantage How to prepare for an auction How to bid at an auction Tips for bidding at auction How auctions works for house Buying a house at an auction Auctions are loved by agents...
Money has never been tighter for many Australian households as the country weathers the COVID-19 storm. But the dream of home ownership or property investment might be more accessible than you think. DGI Founder and CEO Dominique Grubisa explains how to pick up a house for little more than the cost...
As coronavirus continues to strangle the Australian economy, an estimated 1.5 million owner-occupied households are under extreme mortgage stress. Experts tip a massive wave of foreclosures, with urban areas in NSW, Victoria and Queensland among the worst hit. DGI Founder and CEO Dominique Grubisa...
Property Investment Australia
Property investment Australia is all about creating long term wealth through real estate investment. Over a long period of time, property investment in Australia has been the one asset class that has consistently seen steady growth. Table Of Content Why should you consider buying an...
Australian Housing Sector
While the effects of the coronavirus pandemic on the housing sector haven’t been as immediate as on retail and hospitality, they are coming – and they will reshape the residential property landscape. Preparing now will give you your best chance of picking up a bargain and building your wealth...
Landlord tips for surviving the coronavirus crisis
From falling rental income to a possible glut in rental properties, the COVID-19 crisis spells bad news for landlords. But by keeping up to date with the latest news and moving to protect your wealth, you can survive the crisis and be prepared for the eventual bounce-back, writes DG Institute...
Buying an investment property
Buying an investment property could lead you to riches or ruin. DG Institute CEO Dominique Grubisa offers some property investment tips for newcomers. Are you thinking about buying your first investment property? If so, it’s crucial that you don’t rush the process. The simple fact is that...
Property investment strategies
When you start investing, you’ll discover there are a lot of property investment strategies out there. In this article, DG Institute founder Dominique Grubisa looks at two of the most common and explains the pros and cons of each. Before you get started as a property investor, you need a house...
RBA on Australian house prices
Interest rates have fallen to 0.5% in the last 12 months after the RBA started cutting aggressively to combat weak economic conditions. So what does this mean for property prices going forward? Australia’s interest rates are very quickly approaching zero after the RBA slashed the official cash...
Coronavirus and the Australian Property Market
The coronavirus is all over the news globally at the moment. A potentially deadly strain of this respiratory virus broke out in Wuhan in China in December 2019. Here are some disturbing facts about it: the coronavirus is highly contagious. by mid-February, 15 cases of the coronavirus had...
Consideration when setting up SMSF
SMSF Setup isn’t as complicated as you may think. However, there are several things to keep in mind when you create yours. DG Wealth Management’s digs into the most important things to get right in this article. Self-managed superannuation funds (SMSF) give you direct control over the money...