Ryan Dhue

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  www.themortgagegallery.com.au/content/tmgnews/?page=3&n - [Cached Version]
  Published on: 10/22/2007    Last Visited: 2/29/2008  

  Buying a property with a sibling or friend can be the perfect solution to beating housing affordability, according to The Mortgage Gallery's Ryan Dhue.
  
  Figures from the latest Deposit Power/ Real Estate Institute of Australia Report reveal that 36.2 per cent of household income is now used to service average mortgage payments.
  
  Many prospective buyers are understandably concerned about the impact of committing over a third of their salary to mortgage repayments.Of course the longer it takes to enter the property market, the harder it is to get that first home.
  
  Dhue, however, points out that property investment is still one of the best methods for building personal wealth and one of the easier ways to get started is through co-ownership.
  
  "Co-ownership enables you to invest in property without breaking the bank," she said."Coupled with the right mortgage, this can be the perfect first step up the property ladder for first time buyers.' Not only do you have someone helping with the purchase costs, but also the ownership costs of rates, insurance and maintenance.
  
  Surprisingly co-ownership is often overlooked by many first time buyers.According to Dhue this is often due to confusion over organising joint finance for a shared investment.
  
  "You don't have to be a husband and wife to jointly invest in property" explained Dhue."As long as both buyers can service the loan it's a fairly straight-forward process."
  
  Dhue cautioned buyers that co-ownership is not something to be rushed into without proper planning however.
  ...
  Dhue encourages homebuyers considering co-owning a property to visit The Mortgage Gallery for professional advice on the loan options available to them.
  
  "Talk to your mortgage broker, plan your finances and evaluate your different options before making your property purchase.
  
  "As long as co-buyers are sensible and have partners they can trust, co-ownership can be a smart way to make home ownership happen," he said.

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  www.themortgagegallery.com.au/content/05franmodel/?oid= - [Cached Version]
  Published on: 4/14/2006    Last Visited: 2/29/2008  

  I like the fact that someone can shoot an email to our Executive Director, Ryan Dhue with a scenario that is difficult or unusual and can then expect a dozen replies from colleagues prepared to willingly assist with their suggested solutions.

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  www.themortgagegallery.com.au/content/tmgnews/?page=3&n - [Cached Version]
  Published on: 10/22/2007    Last Visited: 2/9/2008  

  Buying a property with a sibling or friend can be the perfect solution to beating housing affordability, according to The Mortgage Gallery's Ryan Dhue.
  
  Figures from the latest Deposit Power/ Real Estate Institute of Australia Report reveal that 36.2 per cent of household income is now used to service average mortgage payments.
  
  Many prospective buyers are understandably concerned about the impact of committing over a third of their salary to mortgage repayments.Of course the longer it takes to enter the property market, the harder it is to get that first home.
  
  Dhue, however, points out that property investment is still one of the best methods for building personal wealth and one of the easier ways to get started is through co-ownership.
  
  "Co-ownership enables you to invest in property without breaking the bank," she said."Coupled with the right mortgage, this can be the perfect first step up the property ladder for first time buyers.' Not only do you have someone helping with the purchase costs, but also the ownership costs of rates, insurance and maintenance.
  
  Surprisingly co-ownership is often overlooked by many first time buyers.According to Dhue this is often due to confusion over organising joint finance for a shared investment.
  
  "You don't have to be a husband and wife to jointly invest in property" explained Dhue."As long as both buyers can service the loan it's a fairly straight-forward process."
  
  Dhue cautioned buyers that co-ownership is not something to be rushed into without proper planning however.
  ...
  Dhue encourages homebuyers considering co-owning a property to visit The Mortgage Gallery for professional advice on the loan options available to them.
  
  "Talk to your mortgage broker, plan your finances and evaluate your different options before making your property purchase.
  
  "As long as co-buyers are sensible and have partners they can trust, co-ownership can be a smart way to make home ownership happen," he said.

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  www.themortgagegallery.com.au/content/tmgnews/?page=3&n - [Cached Version]
  Published on: 4/2/2007    Last Visited: 2/29/2008  

  Ryan Dhue, executive director of The Mortgage Gallery, said the lending criteria for apartments was often tougher than for a traditional suburban family home.
  
  Mr Dhue said most lenders regarded loans for inner-city apartments as a higher risk and demanded a higher deposit.
  
  "Generally, inner-city apratments are restricted by most lenders to an 80 per cent Loan Value Ratio, which means the borrower has to have a 20 per cent deposit", he said.

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  www.themortgagegallery.com.au/content/tmgnews/?page=3&n - [Cached Version]
  Published on: 3/12/2007    Last Visited: 2/29/2008  

  But if extra cash is required to cover a Christmas shortfall, The Mortgage Gallery's Managing Director, Ryan Dhue suggests unlocking some of the equity in your home rather than using a credit card.
  
  "It's very tempting to splurge during the festive period," says Dhue."Whether it's a gift for the kids or hosting parties throughout the holidays, overspending can drastically affect your finances - making it hard when January comes around and bills are due."
  
  Dhue advises prudent use of the credit card over the Christmas and holiday period for those looking to curb their expenses, particularly if they're already juggling a mortgage or experiencing problems meeting monthly mortgage commitments.
  
  "Charging your purchases on your credit can make it easy for you to lose track of how much you've spent," says Dhue."Remember, your credit card typically has a high interest rate, which means the interest incurred on purchases can quickly add up."
  
  According to Dhue, one of the easiest ways to prevent a holiday debt hangover is to set a spending limit as early as possible.
  
  "Start with a simple plan detailing how much you can afford to spend, and make the effort to stick to the plan," he says."Once you've established your budget, detail your commitments - such as gifts for families and friends - and allocate costs to each item."
  
  "Keeping your finances under control over Christmas may be as simple as spending a little less on each present."
  
  But if you do find yourself short of cash, Dhue suggests alternatives to using your credit card.
  
  "If you own a home, accessing extra funds through your loan can be a sound alternative since it can offer drastically reduced interest rates when compared to your credit card," he says.

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  www.themortgagegallery.com.au/content/tmgempus/?oid=39 - [Cached Version]
  Published on: 4/14/2006    Last Visited: 2/29/2008  

  Mr Ryan DhueThe Mortgage GalleryPO Box 223Osborne Park WA 6917Email: ryandhue@themortgagegallery.com.au Telephone: (08) 9440 1999

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  www.consylpublishing.co.uk/australianoutlook/aojuly055. - [Cached Version]
  Published on: 5/14/2006    Last Visited: 3/15/2007  

  WESTERN AUSTRALIA'S booming population should boost the local real estate market, according to Ryan Dhue, executive director of The Mortgage Gallery.
  
  New Australian Bureau of Statistics figures show that the population grew 1.6 per cent or 32,000 people last year.
  
  "This was the second fastest growth rate in Australia, second to Queensland where the population grew by 2 per cent," Mr Dhue said.
  
  "West Australia's population growth is now growing at nearly twice the rate of New South WALES and more than three times the rate of South Australia.
  
  "The State's population is rising at a very high rate because of the growing number of people who are moving here from overseas and interstate."
  
  He said the growth rate was reflected by the rising number of home loans the company was organising for people from interstate.
  
  Perth offered some of the most affordable housing in Australia.
  
  "The median house price in Perth is still more than $220,000 lower than Sydney and the quality of homes is much higher," he said."Many of these migrants are buying homes in coastal areas such as Mindarie because of the lifestyle they offer."
  
  He said that in some parts of the metropolitan area, home loans for people from interstate were accounting for more than 20 per cent of home loans organised by the company.

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  www.themortgagegallery.com.au/content/toolstips/?oid=39 - [Cached Version]
  Published on: 4/14/2006    Last Visited: 2/29/2008  

  Ryan Dhue, Executive Director

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  AusBroker - [Cached Version]
  Published on: 12/1/2006    Last Visited: 1/19/2007  

  "The use of promotional merchandise is part of our ongoing branding exercise," says Ryan Dhue of The Mortgage Gallery, "and it can be a very cost effective method of trying to keep top of mind with existing and potential clients."
  ...
  The key here is to shop around and buy in bulk at the start, says Dhue, whose company The Mortgage Gallery, has invested in their own corporate merchandising venture.
  
  "We have found that the only way to get a good deal is to purchase in bulk.Also, if storage is an issue we have found our suppliers to be accommodating in holding stock for us and supplying it on a needs basis," he says.

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  Consyl Publishing & Publicity Ltd - [Cached Version]
  Published on: 1/1/2005    Last Visited: 8/14/2009  

  Migrants help to boost boom in WA - WESTERN AUSTRALIA'S booming population should boost the local real estate market, according to Ryan Dhue, executive director of The Mortgage Gallery. more...

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