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Authors / Troy McErvale

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Troy McErvale

AUTHOR|No. of Articles: 15

Troy McErvale is the founder and managing director of Freedom Home Loans and My Personal Lender, a combined mortgage broker and mortgage management business in Australia started in 2001. Since 2010, the company has offered an expanded service to include mortgages for foreign owners of US property, as well as US property consulting services to high net worth clients.

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Troy McErvale

Does technology help us or hinder us?

Aaron Shapiro is CEO of Huge, where he helps some of the world’s largest companies reimagine how they interact with...

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Troy McErvale

The silly rules in lending

I have heard plenty of ridiculous statements in lending over the years. Here are a few.

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Troy McErvale

Nothing contentious about ‘controversial’ housing comments

Australian treasurer Joe Hockey has come under fire recently for his comments on housing, and in particular, Sydney...

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Troy McErvale

Owning the customer

Whenever a new lender or potential business partner talks to me about who owns the customer, I roll my eyes.

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Troy McErvale

The impact of P2P lending on banks

When Bill Gates spoke his now oft-quoted “banking is necessary; banks are not” reference in 1994, I wonder if he...

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Vertical integration: no good for brokers or consumers

If you haven’t read through the Financial System Inquiry’s final report released in November last year, you should...

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Brokers, united, will never be defeated

Since the late 1990s, the mortgage broker industry in Australia has evolved into a maturing profession, where genuine...

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Think twice before abolishing negative gearing

Rarely is a topic as divisive amongst politicians, economists and the general community as negative gearing.

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Memo to the RBA: there is no problem that needs fixing

The Reserve Bank of Australia believes that some sectors within the Australian residential property market may be...

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A broker-owned union is the answer to big bank dominance

The Financial System Inquiry released its interim report in July, and is now seeking a second round of...

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My plan to reform the LMI industry

Every so often, the industry considers the state of the housing market in Australia, and access to property ownership...

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Why the big four banks should worry about BitCoin

The Australian mortgage industry has seen very few product innovations over the past few years. This is largely due to...

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Exploding the myth of housing affordability

Almost every year, with monotonous regularity, I have read headlines declaring how unaffordable Australian housing...

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Coles could make a big success out of mortgages

In 2012, The New York Times reported a story about Target sending coupons for baby clothes and maternity wear to a...

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Why government should encourage property investment

The Credit Suisse Global Wealth Databook 2013 contains some interesting reading about the wealth of Australia and...

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