Perth Property Insider Ep. 49 – Playing the Game of Finance with Nick Aves – Part 2

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  Omny | iTunes | Google Podcasts | Spotify

How would you rate your playing of the finance game?… 

In part one of this two-part series, Nick Aves and I helped you get started with playing the game of finance. We talked about what some of the recent changes to the banks lending criteria mean, where we see interest rates going and how to get your financial house in order so you can tick all the right boxes to be irresistible to their lending assessors.

In this second part, we will really help your finance game go to the next level.

Here are just some of the things we cover in the jam-packed episode: 

  • How do lenders actually assess your borrowing capacity?
  • Policies you need to take into account so you can play the financial game to your advantage,
  • What are some practical ways you can increase your borrowing capacity?
  • Should you go with interest only, or principal and interest?
  • When is a good time to consider fixing your interest rates?
  • Understanding the complete picture of a loan and what that discount margin might mean in the future.
  • Plus, when is the right time to consider refinancing?

Lots of topics to cover, lots to learn, and all so we can help you level up your financial gameplay! So go ahead and hit that play button!


  1. Guest Introduction [0:00]
  2. Nick talks about lender policies in determining borrowing capacity [2:13]
    • Nick’s thoughts about cost reduction in decision-making for lenders [2:39]
    • How lenders categorize clients into smaller niches [3:07]
    • How you can increase your borrowing capacity [4:35]
  3. Why a property manager is a great help in increasing your borrowing capacity [6:48]
  4. Interest-only loans for investors during a downward trend in property values [8:22]
  5. Comparing the two ways to build equity [9:10]
  6. Factors to consider to get better interest rates [10:23]
  7. Fixed rates take away the flexibility borrowers sometimes need[11:57]
  8. Why refinancing can be feasible in the current property market [14:52]
  9. Variable rates and discount margins [15:23]
  10. Situations where refinancing may be considered [17:47]

Resource Links:

About Our Guest:

Nick Aves has been in the finance industry for over 30 years and has certainly proved to be a true leader in helping clients finance their investments to pay for their dreams. Currently the Director and Finance Broker of Purely Finance, his specialties include providing a simple approach to complex financial issues and providing financial advice. He is a consistent recipient of the PLAN Australia’s Sales Master Award.

Thank you for tuning in! If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast.

Connect with Perth Property Insider:

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  Omny | iTunes | Google Podcasts | Spotify



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