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HOW TO COMPARE HOME LOANS AND FEATURES

HOW TO COMPARE HOME LOANS AND FEATURES

Which home loan is right for you? How can you tell when there’s so many different lenders, loan types and features to choose from? How can you compare loans properly when you’re not sure what you should be comparing? Finding the right home loan for your situation is a...

FY22 INSTANT ASSET WRITE OFF

FY22 INSTANT ASSET WRITE OFF

As part of the Federal Budget released in May, the government announced that it would be extending ‘temporary full expensing’ until 2023, giving COVID-fatigued businesses the confidence and kickback needed to get the new financial year off to a solid start.   If...

TOP 5 MONEY TIPS FOR 20-SOMETHINGS & DINKS

TOP 5 MONEY TIPS FOR 20-SOMETHINGS & DINKS

Are you a 20-something or a DINK (dual income no kids)?   We are talking to you! It is time to Adult! You are in the financial sweet spot of your life. You are earning good money, you don’t have any dependents (yet), you have minimal obligations and...

TO FIX OR NOT TO FIX?

TO FIX OR NOT TO FIX?

With interest rates at an all-time low, and many lender’s fixed rates are lower than their variable options. Locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive however, it pays to know the ins and outs of...

WHY REFINANCE MY MORTGAGE?

WHY REFINANCE MY MORTGAGE?

In the past, most people who took out a mortgage continued with it until they had paid it off. These days, people refinance their mortgage much more frequently with the average duration of a home loan in Australia now is just 4-5 years. Below, we look at some of the...

HOW TO PAY OFF YOUR MORTGAGE FASTER

HOW TO PAY OFF YOUR MORTGAGE FASTER

When was the last time you looked closely at your loan? And the progress you are making on paying it off and how it compares to others in the market? Analysing your mortgage could mean savings for you, as well as the opportunity to pay it off more quickly, invest in...

BUYING A PROPERTY WITH LESS THAN 20% DEPOSIT

BUYING A PROPERTY WITH LESS THAN 20% DEPOSIT

When you consider that a SMALL apartment in Sydney could set you back well over half a million dollars, saving a 20% deposit ($100k+) can seem like mission-bloody-impossible! Enter: Lender’s mortgage insurance. Lenders mortgage insurance (LMI) may be an added expense...

HOW TO SPEED UP YOUR LOAN APPROVAL

HOW TO SPEED UP YOUR LOAN APPROVAL

Asking how long it takes to get a loan approved is like asking how long a piece of string is! Every application is unique, so the time between our first contact and an approval can never be predetermined. There are, however, some things you can do to help hurry your...

NEW YEAR, NEW BUDGET!

NEW YEAR, NEW BUDGET!

Getting your budget under control and your finances in order is absolutely essential to anyone looking to apply for a home loan. It is particularly important for first home buyers about to take the first step on the property ladder. Now the new financial year has...

INTEREST ONLY LOANS

INTEREST ONLY LOANS

Borrowing to buy a property and repaying only the interest for a set period can be a great choice for some. Interest-only loans can offer financial flexibility whilst you invest. There are some very important risks to take into consideration. No principle With...

NEGOTIATION TACTICS FOR PROPERTY BUYERS

NEGOTIATION TACTICS FOR PROPERTY BUYERS

Interest rates remain at a record low, and the property market is expected to heat up as we enter spring despite the economic challenges due to the pandemic. Listings remain low compared to last year, which means that as a buyer, there may be more competition for...

GUARANTEEING YOUR CHILD’S LOAN

GUARANTEEING YOUR CHILD’S LOAN

Rising house prices are making it increasingly difficult to enter the market. Guaranteeing your children’s loans can help, but it is important to understand how it can impact retirement or investment plans. Being a guarantor generally means using the equity in your...

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