In the past many investors were limited in their knowledge of the property market. People could wing it if they knew the area well enough, but when it comes to creating wealth you need to know what influences capital growth in an area. Thanks to the internet, you too can easily identify growth drivers and learn when and where to invest.

The real estate market presents good buying opportunities for those who do their due diligence and know where to look. Here are some quick tips to help you recognise the different sellers, their motivation to sell and how to acquire these properties below market value.

Australia's public housing program began shortly after World War II to address the housing shortage for it's returning soldiers and their families. In recent years public housing estates have turned into unloved, low socio-economic areas for the disadvantaged. As more and more public housing stock makes it's way into the property market, we explore whether these places are good long-term investments or as a principal place of residence.

Australia's government public housing policy focuses on supporting low income earners, the elderly and people with disabilities. The government is also selling off it's non-performing or harder to maintain properties to the open market. But are they good value for property investors? Should you add public housing stock to your investment portfolio, and will they help to increase your portfolios growth strategy?

Have you applied for a home loan to buy a new property recently? Maybe you're thinking of switching lenders or refinancing your loan? If so, you will have to undergone a credit check to satisfy the lender that you are a responsible borrower with a good history for repaying back what you owe.

In the first part of our article, we saw how young singles and couples can borrow more to invest in high growth properties. In this article, we look at how to build a strong property portfolio while you're busy starting a family or when you’re closer to retirement.

According to RPData 72 per cent of investors own only one property, while 18.9 per cent own at least two. That leaves about 0.9 per cent of investors with six or more investment properties. Though there are many reasons why the majority of investors own no more than two properties, the sad fact is that you will never become financially independent by owning just two properties.

With interest rates at an all time low, many home owners are asking “Is now the best time to fix my home loan?”

While the decision to switch to a fixed rate home loan will vary based on your personal circumstances, there are some great benefits to fixing your rates now rather than later. Mr Robert Projeski, the Managing Director of Australian Mortgage Options, says that Australia’s interest rates are at an all time low and borrowers can get some really good bargains.

“Most of our clients fix at least 50% of their home loan, and leave the other half on variable rate, with most people choosing to fix their rates for around 3-5 years.”

The other benefits of fixing your loan is the peace of mind that it gives you. “It’s knowing what your monthly repayments will be, and knowing that you can pay off your home loan for how ever long you decide to fix your rates for," says Mr Projeski.

Many new investors who hope to gain financial freedom by investing in property usually face barriers and fears at every stage of the investment process. Although these fears are real and legitimate, they can significantly set you back years unless you face up to them.

Having worked as a senior lender in the banking industry for over 20 years, Robert Projeski, the Managing Director for AMO, reveals how he went from working for the banks that was ripping off borrowers out of billions of dollars in fees, to creating Australian Mortgage Options to help ordinary Australians to get the best home loan deal.

A part fixed, part variable rate home loan such as AMO's own Future Proof Home Loan gives you partial protection against interest rate increases. But is it a good idea to switch provider if you find a better value home loan?

In this interview on 2UE, Mr Robert Projeski, the Managing Director of AMO, talks about the costs and advantages of switching away from a fixed rate home loan.

Whether you’re looking to buy your first home, or your next investment property, buying a home requires that you devote a lot of time to researching, attending auctions and open homes - time which some buyers may not necessarily have.

In a world with easy access to credit, becoming financially savvy and knowing how to invest to create wealth is more important than ever for young people who want to get ahead. But one of the most common concerns is whether The Great Australian Dream of owning your own home is out of reach for many young people. Mr Robert Projeski, the Managing Director of Australian Mortgage Options (AMO) believes that while these hurdles are real, they’re not insurmountable.

Having your home loan application rejected can be very fustrating. But you're not alone. Since the beginning of the Global Financial Crisis of 2007-08, lenders have become more cautious and lending standards have become more stringent. However, not all lenders are the same.