White Papers
Loan Indexation Explained
A simplified explanation of Linking and loan indexation.
Worked Examples
Three worked examples demonstrating the after tax efficacy of the Index Mortgage compared to negative gearing (buy to let), an offset mortgage and leveraged equities.
The Excess Risk Premium Considered
The Index Mortgage seeks to capture (accumulate) this excess premium and apply it to the benefit of the borrower, in the form of a reduced loan interest rate …
Back-Testing The Index Mortgage
Back-testing demonstrated a high likelihood (approximately 97%) that any given Index Mortgage would prove a better choice than its equivalent traditional counterpart …
The Regulatory Regime Considered
… an Index Mortgage is not a “financial product” and so a dealing in an Index Mortgage is not a “financial service” requiring licensing under Part 7.6 of the Act.