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Welcome to the latest edition of On The Ladder, your Property and Mortgage update.

In this edition we look at why having a mortgage buffer makes sense and things to look out for when buying a tenanted investment property. Need help buying your first home or want to help out your kids? Our article looks at whether a family guarantee is right for you.

We look at how a buyer's agent could possibly help you find your dream home or investment property. And we outline six loan types that could help you fund a renovation project.

With historically low interest rates there is increasingly intense competition amongst lenders. If we haven’t spoken in a while please contact us on 1300 489 726 or email so we can ensure you have the right financial solutions to meet your needs.



N          Tim Rychvalsky - Principal CFP

M         0412 075 013

P          1300 489 726

F          07 5495 4160


A          Unit 17, Axis Industrial Park, 23-25 Skyreach St

            PO Box 1002, Caboolture QLD 4510


strategic and financial specialists


Cube Strategic Partners Pty Ltd trading and Cube Strategies  ABN 83 109 371 182

Authorised repesentative of AMP Financial Planning Pty Ltd

Disclaimer: Any advice contained in this email is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person.  Therefore, before making any decision, you should consider the appropriateness of the advice with regards to those matters.  This email, including any attachments, may contain information that is confidential, commercially sensitive and may be subject to legal privilege.  If you are not the intended recipient you must not read, use, disseminate, distribute or copy any part of this email, disclose its contents to any other party, or take any action in reliance on it.  If you have received this email in error, please contact the sender immediately and delete this email.  Timothy Rychvalsky does not warrant that this email or any attachments are free from viruses or other defects.  Please ensure that you check for viruses and defects prior to opening any attachments.

In your interest: a mortgage buffer

Homebuyers who make higher repayments than the minimum required are developing a valuable buffer to help cope with future rate rises or unexpected financial setbacks. 

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Buying A Tenanted Investment Property

There are plenty of upsides to buying an investment property that already has a tenant, as well as a raft of risks. Here’s how to minimise them.

Read full article >>

Is a family guarantee right for you?

Entering the property market is no easy feat for a first homebuyer, but even parents who aren’t prepared to hand over cash for a deposit may help by being a guarantor on a loan.

Read full article >>

Can a buyer’s agent help you buy a property?

Buying a property could be one of the biggest financial commitments you'll ever make. Does it pay to get help from a professional?

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Six Ways To Fund A Renovation

Any renovation project, large or small, can be all-consuming in terms of your energy and money. Here are six loan types that can help you with the latter.

Read full article >>