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...
can i refinance my mortgage if im retired
Just because you’re retired doesn’t mean that life – or your need for finance – stops. The financial situations of most older Australians tend to evolve and fluctuate over time, and many retirees encounter situations where they need to extend or otherwise refinance their mortgages. For...
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...
how to switch mortgages
Many Australians are stubborn when it comes to their mortgages. Once they find a home loan that they are comfortable with, they tend to stick with it for many years, often ignoring the arrival of new lenders, changes in rates, and new loan products. Given the enormous sums of money that most of...
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...
Over the past decade, the DG Institute has helped thousands of Australians struggling with debt to regain control of their lives – and to rebuild their self-esteem. Founder and CEO Dominique Grubisa explains her passion for helping others fight debt stems from her own personal experience of going...
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...
4 Types of trusts in Australia
Once used predominantly by the very wealthy, trusts are now being put to use by large numbers of regular Australian families. The reasons are simple. As well as delivering potential tax advantages, these clever legal arrangements can help protect family assets for many years to come. DGI Founder...
5 Scenarios Where You Need A Testamentary Trust
Increasing numbers of Australians are waking up to the benefits of ‘testamentary trusts’ when drawing up their wills. As well as offering potential tax benefits, such trusts can protect the inheritance you pass on to your children, long after you are gone. DGI Founder and CEO Dominique Grubisa...
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...
Debt management plans
Are you waking up at night worrying about how to repay your out-of-control debt? Well, you don’t need to. With a little help and a debt management plan, you can tame your debt and get on with the things in life that matter. DG Institute CEO and Founder Dominique Grubisa explains more. Living...
Banks reveal the truth about the coming economic storm
Still don’t believe that the COVID-19 crisis has the power to crash the housing market and threaten your personal wealth? Startling figures from the major banks may just change your mind, writes DG Institute Founder and CEO Dominique Grubisa. It’s the narrative many Australian homeowners and...
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...
buying a business in australia
Starting or buying a business in Australia is a decision that requires careful research and analysis. Here, DG Institute Founder Dominique Grubisa explains: Buying a business in Australia guide Buying a business vs starting one the pros and cons How to buy a business The...
Business turnaround opportunities
Every cloud has a silver lining – even the economic downturn caused by COVID-19. A surge in the number of businesses on the verge of failing presents a unique opportunity for entrepreneurs ready to step in and turn things around. It’s been nearly six months since Australia closed its...
big profits from small property developments
COVID-19 may have put housing prices into decline, but there’s still money to be made in the property market. By carrying out small strategic developments, you can manufacture equity independent of the overall market– and emerge from 2020 a winner. DGI Founder and CEO Dominique Grubisa explains...
Debt Recovery
Unfortunately, more and more Australians are getting deeper into debt. Even before the coronavirus hit, Australia had the second-largest level of household debt in the world. The average Australian household owed $350,000 pre-COVID-19, and the economic impact of the pandemic restrictions are likely...
A combination of good luck and good management has so far helped Australia avoid a COVID-19 housing crash. But beware because the market is changing. With the economy reeling again from fresh outbreaks, the housing market may be set to fall, writes DGI Founder and CEO Dominique Grubisa. We were...
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...
What is Bankruptcy?
Unfortunately, bankruptcy numbers in Australia are likely to rise due to the economic fallout from the COVID-19 pandemic. Here, DG Institute Founder Dominique Grubisa outlines the key things you need to know about bankruptcy. What is bankruptcy? What it means to be bankrupt How...
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...
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