White Papers

Loan Indexation Explained

A simplified explanation of Linking and loan indexation.

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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.

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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  …

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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 …

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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.

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