Monday 18th May 2020

The Financial Benefits of House Sharing

The Financial Benefits of House Sharing

Living in a sharehouse is a unique experience typically done when you are young. However with the increasing cost of living, house sharing can have significant financial benefits that should be considered. If you are looking to buy a house…

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Monday 11th May 2020

Important Considerations for First Home Buyers

Important Considerations for First Home Buyers

Buying your very first home is equal parts exciting and daunting as you step into uncharted territory. There is so much to consider and digest when making the decision to buy your first home that often it can become overwhelming.

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Monday 4th May 2020

Savings Tips: How to Create an Effective Budget for 2020

Savings Tips: How to Create an Effective Budget for 2020

Making an effective budget and sticking to it are always easier in theory than practice. However, there are key saving tips you can use to create an effective budget that will start saving you thousands of dollars today. These saving…

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Friday 1st May 2020

Should You Consolidate Your Debt?

Should You Consolidate Your Debt?

Debt consolidation involves rolling all of your debts such as home loans, credit card bills and personal loans into a single, combined low interest payment. It allows you to reduce your overall debt and arrange it so that it is…

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Monday 27th April 2020

Is now the right time to refinance your mortgage?

Is now the right time to refinance your mortgage?

If you’re having trouble making the payments on your home loan or your financial situation has recently changed, it might be time to refinance your mortgage. Looking at todays market, a large number of home loans now start with a…

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Monday 30th March 2020

Where to Invest Your Money

Where to Invest Your Money

If you are looking to grow your wealth buying property is a great way to start. Whether you decide to purchase a residential or commercial property, both are solid options that can provide consistent returns for your money. Investing in…

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Monday 23rd March 2020

Five ways to slash your spending and save a home deposit

Five ways to slash your spending and save a home deposit

Thinking of buying a new house in the near future? It is never too early to start saving! First things first, get excited about saving. Your mindset and emotions can play a huge part in how quickly you achieve your…

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Monday 16th March 2020

Should you take out a mortgage with a non-bank lender or stick with a major lender?

Should you take out a mortgage with a non-bank lender or stick with a major lender?

The time has come to start thinking about purchasing your first property. Most people begin the process by going to their bank and asking their advice; but did you know there are other options out there including non-bank lenders? Finding…

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Monday 9th March 2020

New First Home Loan Deposit Scheme

New First Home Loan Deposit Scheme

Stuck on how to afford your first home? Introducing – First Home Loan Deposit Scheme What is it? From the 1st of January 2020, the Australian Government has created an initiative to assist people in buying their first home sooner.

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Wednesday 4th March 2020

Apartments on the rise: Where buyers should search

Apartments on the rise: Where buyers should search

If you’re looking to buy an apartment whether it’s for investment purposes or to live in, it is crucial to understand the best areas to search. There has been a sharp increase in the demand and construction of apartments in…

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Monday 10th February 2020

Adding Value Through Renovation

Adding Value Through Renovation

With the new year here, you might be considering giving your home a fresh spin with some renovation. Whether it’s adding a pool for the summer heat, or adding a granny flat for gran, renovation can add both monetary and…

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Monday 3rd February 2020

New Year, New View: Moving to a New Place

New Year, New View: Moving to a New Place

Well, it’s that time of the year, many of us are hoping for a fresh start in 2020 and what could be a fresher start to the new year than moving into a brand-new home. A new you are not…

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Monday 27th January 2020

Top 5 Tips When Saving for a Deposit

Top 5 Tips When Saving for a Deposit

Saving up for a deposit on your home loan can be one of the hardest things you do financially. A home loan deposit requires a large amount of money and many Australians don’t have that amount of money just lying…

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Monday 20th January 2020

Should You Use a Lender That Is Not a Bank

Should You Use a Lender That Is Not a Bank

With banks becoming increasingly more restrictive on home loans every year it’s becoming more important to consider options outside the major lenders including non-bank lenders. Non-bank lenders still have to follow the same regulations as other lenders and the market…

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Monday 13th January 2020

What is Negative Gearing and How Does it Affect Your Investment Property?

What is Negative Gearing and How Does it Affect Your Investment Property?

When you decide to borrow money for an investment you are engaging in gearing. If your income from the investment is more than the expenses of the investment you are positively geared, likewise if your income is less than your…

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Monday 6th January 2020

What is a Construction Home Loan?

What is a Construction Home Loan?

A construction home loan is a home loan that is designed for people wanting to build their home instead of purchasing an existing one. As a result, it has a unique payment structure where you only borrow in stages as…

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Monday 30th December 2019

Getting a Home Loan as a Small Business Owner

Getting a Home Loan as a Small Business Owner

Getting a home loan is already difficult enough but getting a home loan as a small business owner is even harder. Lenders like to see regular amounts of money coming in as it makes them feel less at risk. When…

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Monday 23rd December 2019

How to Determine How Much You Can Afford to Pay for a Home

How to Determine How Much You Can Afford to Pay for a Home

Determining what you can and can’t afford is not a simple process. A number of different factors go into consideration when deciding what is within your price range and how much you like the house is unfortunately only one of…

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Monday 16th December 2019

Can You Afford an Investment Property?

Can You Afford an Investment Property?

An investment property can be a tempting proposition to a budding investor. It’s one of the most stable and straightforward investments you can make and the opportunity for passive income from rent exists. The downside is that not everyone can…

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Monday 9th December 2019

Why You Should Be Reviewing Your Home Loan

Why You Should Be Reviewing Your Home Loan

Once people secure their home loan, they often forget about it and simply pay their loan repayments till the end of the loan. This may seem fine, but the reality is you could be missing out on many benefits and…

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Monday 2nd December 2019

What Is a Family Guarantee Home Loan?

What Is a Family Guarantee Home Loan?

With house prices continuing to rise rapidly every year, it gets harder and harder to build up the deposit required for a home loan. One way of bypassing this is to apply for a family guarantee home loan or family…

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Monday 25th November 2019

The Benefits of Refinancing Your Home Loan

The Benefits of Refinancing Your Home Loan

If you weren’t thinking of refinancing your home loan, you may want to think again. There are many benefits to refinancing that you may want to consider the next time you review your home loan. Refinancing may just be the…

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Monday 18th November 2019

What You Need to Know About Debt Consolidation

What You Need to Know About Debt Consolidation

Debt consolidation is the process of consolidating all your existing debt into a single loan rather than pay them off as multiple loans each with their rates of interest. On a surface level, it might make things easier to manage…

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Monday 11th November 2019

What Are Bridging Loans?

What Are Bridging Loans?

Bridging loans are loans used to buy a new home when you haven’t yet sold your existing home. Sometimes it is helpful to purchase a new home before you’ve sold your old one. In which case, you need a bridging…

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Monday 4th November 2019

The Differences Between Owner-Occupied and Investment Loans

The Differences Between Owner-Occupied and Investment Loans

When you buy a home whether it is classified as owner-occupied or investment depends on your intentions behind buying the property. If you are planning to sell the property for a profit on what you originally bought it for or…

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Tuesday 29th October 2019

Why Spring Is the Time to Buy a House

Why Spring Is the Time to Buy a House

Spring is often the busiest time of the year in the property market with the most amount of homes listed, and the greatest number of houses sold. The sun is shining, the grass is green and it’s the perfect time…

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Monday 21st October 2019

Why Mortgage Brokers Are Essential When Buying Property

Why Mortgage Brokers Are Essential When Buying Property

There are hundreds of lenders and thousands of home loans to choose from and compare. As a result, it can be extremely time-consuming to decide on which home loan is suitable for you. It can also be costly if you…

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Tuesday 15th October 2019

Is It Cheaper to Buy or Build a House?

Is It Cheaper to Buy or Build a House?

This is a multifaceted question that depends on how you define cost. In terms of the raw numbers, it’s cheaper financially to build a house rather than buy one. However, the total cost doesn’t consider other costs of building a…

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Monday 7th October 2019

How You Can Fund Home Renovations

How You Can Fund Home Renovations

Making renovations on your home can be both exciting and exhausting. Whether you are adding a spare room or sharpening the look of your kitchen it is rewarding to see the transformation. That is why we have made a list…

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Monday 30th September 2019

How Often Should You Review Your Home Loan?

How Often Should You Review Your Home Loan?

We live in a constantly changing world where circumstances and conditions are constantly evolving. Our personal situation and lifestyle will shift endlessly throughout the years and we will change what we eat, where we live and what we do constantly.

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Monday 9th September 2019

Should you pay off your home loan early

Should you pay off your home loan early

It makes sense to want to pay your home loan off early, being free of debt can free you of your stress and worry. With the number of financial benefits that come with paying a home loan off faster, it…

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Monday 2nd September 2019

Think Outside the Box with a Non-Conforming Home Loan

Think Outside the Box with a Non-Conforming Home Loan

A non-conforming home loan is a loan that does not fit a lender’s standard criteria for a home loan. These loans are usually offered to people that have a bad credit history or extraordinary financial needs. Because non-conforming home loans…

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Monday 26th August 2019

How Much Deposit Do I Need for a Home Loan?

How Much Deposit Do I Need for a Home Loan?

In the past, it was possible to borrow 100% of a house’s value and not even have to pay a deposit. Now, lenders are a lot stricter and acquiring a loan without a deposit is much more difficult. So,…

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Monday 19th August 2019

How the Government Can Help You Buy a Home

How the Government Can Help You Buy a Home

Buying a home is a big undertaking, which is why the government offers a range of initiatives to make things a little easier for home buyers. These initiatives are available to every Australian so it is important to take advantage…

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Monday 12th August 2019

How to Finance a Fixer-Upper

How to Finance a Fixer-Upper

Houses that need a lot of hard work and love in order to truly shine are sometimes referred to as a ‘renovator’s dream’. However, this dream can sometimes turn into a nightmare if you aren’t careful. We’ve outlined a few…

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Monday 5th August 2019

Buy a House When the Sun Shines

Buy a House When the Sun Shines

Just like a farmer’s crops, the time of year you choose to buy a home significantly affects price and supply. As a result, it is important to take into account the seasons when looking for a new home. Spring The…

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Sunday 28th July 2019

Funding Your Business for Success

Funding Your Business for Success

As a business owner, you’ll more than likely have challenges and problems that need to be overcome. It can often be hard to manage your business’s finances when you’re busy getting your brand out there, figuring out how to price…

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Monday 22nd July 2019

Wanting to Invest? Why You Should Consider Commercial Property

Wanting to Invest? Why You Should Consider Commercial Property

Commercial property is classified as any non-residential property that is used exclusively for business purposes. This includes retail properties, office buildings, shopping centres, hotels, warehouses, manufacturing facilities, apartment complexes and land for development. For many investors, acquiring commercial property is…

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Monday 15th July 2019

Secure Your Future with a Pre-Approval

Secure Your Future with a Pre-Approval

A pre-approval is when a lender approves you for a home loan before you actually decide on a house to buy. It’s essentially a guarantee that you will be approved for a home loan if you decide to apply for…

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Monday 8th July 2019

Can You Get a Home Loan for More Than the Asking Price?

Can You Get a Home Loan for More Than the Asking Price?

Acquiring a home loan higher than 80% of the asking price is already a difficult task. Going a step further and getting a home loan for more than the asking price is nearly impossible. However, there are rare situations where…

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Monday 24th June 2019

How can your credit card affect your chances of getting a loan?

How can your credit card affect your chances of getting a loan?

When it comes to the relationship between your credit card history and loan applications, it seems many people are in the dark about what’s truth and what’s not. Gather a group of normal Australians in a room and ask them…

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Monday 17th June 2019

Common home loans: why and how to repay them quicker

Common home loans: why and how to repay them quicker

Finding the right home loan and the best way to pay it off can seem insurmountable alone. But with the help of an experienced broker, it’s much easier finding terms that will suit you. Read on for our guide on…

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Wednesday 12th June 2019

Why it’s important to check your credit score regularly

Why it’s important to check your credit score regularly

Your credit score is like going to the doctor for many – you don’t have a check-up unless you absolutely need to. The Veda Australian Credit Scorecard, surveying the credit behaviour of people nationwide, proves this to be true for…

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Thursday 23rd May 2019

Why young investors should take advantage of falling housing prices

Why young investors should take advantage of falling housing prices

The falling market can be both good and bad for homeowners and first-time home buyers – while properties may lose value, lower prices make it a cheaper and thus more desirable time to purchase a house or apartment. If you…

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Monday 13th May 2019

Low Doc Loans: What Are They, and How Do They Work?

Low Doc Loans: What Are They, and How Do They Work?

In recent months, Australian banks have tightened their credit standards amid concerns around increasing property prices, household debt and pressures from the royal commission. This means that getting a loan might be even more difficult for borrowers. If you’re struggling…

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Wednesday 8th May 2019

A Guide to Refinancing Your Home Loan

A Guide to Refinancing Your Home Loan

Life changes, and so does your financial plan. There are many reasons why you might consider refinancing – perhaps you are looking to get lower rates, consolidate your debts or make a major purchase with your equity. Whatever your reason…

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Tuesday 30th April 2019

Keeping Your Household Budget in Check

Keeping Your Household Budget in Check

Ever gotten to the end of the month and wondered where all the money from your pay check goes? Keeping a budget can help you track where your money is going, stay on top of your bills and debts, and…

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Sunday 14th April 2019

Why you should consider ditching the car to save for a home.

Why you should consider ditching the car to save for a home.

Car ownership is on the decline with young Australians. The change could be due to rising housing prices and thus altered priorities for first-time home buyers. The latest Household, Income and Labour Dynamics in Australia (HILDA) survey shows that between…

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Friday 12th April 2019

Comparing Loans: What to look out for

Comparing Loans: What to look out for

With so many loan options and an increasingly complex market, it can be hard to pick the best loan for your needs. There are many different factors to consider when it comes to choosing loans. In this article, we outline…

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Tuesday 26th March 2019

In the market for an apartment block?

In the market for an apartment block?

If you’re looking for an investment unit, an apartment block can be a great option to get a big return. This strategy is becoming more and more popular in Australia, and as such there isn’t quite enough supply for the…

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Tuesday 12th March 2019

Your guide to property investments

Your guide to property investments

Investing in property is a smart choice for many Aussies looking for long-term profit potential. But before you dive in, there are a few things you should know. Consider if you’re ready to buy, what kind of property is best…

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Wednesday 6th March 2019

How to get rid of holiday credit card debt

How to get rid of holiday credit card debt

You may still be recovering from Christmas festivities, whether eating and drinking less or getting to the gym. But how is your credit card balance? Finder.com.au analysed data from the Reserve Bank of Australia (RBA) and found that Australians have…

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Monday 25th February 2019

What will the 2019 economy look like?

What will the 2019 economy look like?

As 2019 heats up, many predictions for the Australian economy are focused on recent lending announcements and the housing market. Here’s a look at some of the latest. Housing market There was a lot of negative talk about the housing…

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Tuesday 19th February 2019

What do rising interest rates mean for you?

What do rising interest rates mean for you?

The first month of 2019 saw interest rate hikes in Australia that could affect home loans. Make sure you understand your options for dealing with these changes. What follows is a look at the latest news and what it could…

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Tuesday 5th February 2019

Summer renovation tips

Summer renovation tips

Home renovation projects can be a fun activity for families to do together. But these jobs can also be expensive and taxing, financially physically and mentally. When you’re taking on home projects this summer, follow these tips to ensure everything goes…

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Thursday 17th January 2019

How much can an offset account save you?

How much can an offset account save you?

Including offset accounts in your home loan strategy could end up saving you thousands of dollars. Here’s a look at how they work and whether you should consider going this route. What are offset accounts? Offset accounts aim to…

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Tuesday 8th January 2019

Market predictions for 2019

Market predictions for 2019

Experts in Australia are predicting more declines for the housing industry in 2019. The effects on the economy are still yet to be seen, but some are expecting a hard landing for the market in the coming months. CoreLogic’s latest…

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Friday 21st December 2018

What might negative gearing changes mean for the housing market?

What might negative gearing changes mean for the housing market?

A proposal from the Australian Labor Party (ALP) aims to reform negative gearing, and News.com.au says that Aussies are conflicted on the issue. But what is negative gearing, and why are the proposed changes so controversial? What would change? To…

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Tuesday 11th December 2018

What we think of the new best Australian streets list

What we think of the new best Australian streets list

In a sweeping look at which streets are the best across the country, Realestate.com.au revealed the 10 most popular streets based on where users do the most searching. Six of the winners are in Victoria, making a case for the…

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Tuesday 11th December 2018

Common Loan Mistakes to Avoid

Common Loan Mistakes to Avoid

Getting a loan can be quite a tricky task. Seemingly small mistakes may get you trapped in debt, make a permanent record on your credit file and/or lead to rejections on new mortgages. Here are a few common mistakes that…

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Sunday 25th November 2018

How will the market turn out for home buyers as 2018 come to an end?

How will the market turn out for home buyers as 2018 come to an end?

The housing market may still be uncertain in Australia as 2018 comes to an end. The September auctions proved that buying was low. However, first-home purchases may be on the rise by the end of the year. What follows is…

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Tuesday 20th November 2018

Should you wait for the market to drop further to buy your first home?

Should you wait for the market to drop further to buy your first home?

The Australian housing market has been in a steady downturn over the last year. CoreLogic data shows that it’s seen a cumulative 1.9 per cent value fall since September 2017. While some experts are warning that the market could continue…

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Tuesday 13th November 2018

Why you should pay off credit cards before considering a home loan

Why you should pay off credit cards before considering a home loan

The beginning of 2018 brought a rise in Aussie credit card debt. The average credit card had $2,000 of debt in April, according to the Sydney Morning Herald, the highest it’s been in two years. With the country’s housing market…

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Thursday 8th November 2018

Your quick guide to interest rates

Your quick guide to interest rates

Just starting out in the property market? Interest rate terminology on your home loan can be hard to sift through. To understand what you’re agreeing to, it’s important to understand the basics about interest rates. What is an interest rate? When…

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Sunday 4th November 2018

7 tips to help you save money for a summer holiday

7 tips to help you save money for a summer holiday

Saving for a summer holiday? Boost your funds by tracking your spending, cutting one unnecessary expense and staying home for dinner. If you’re still saving up funds for your next getaway, here are tips to help you along the way. Check your bills…

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Thursday 11th October 2018

Spring market may help first-time home buyers

Spring market may help first-time home buyers

Falling housing prices may not bode well for the overall property market. As the first spring auctions in the major cities have shown this year, it’s still unsteady. Australia’s housing downturn may be getting worse, ABC News recently reported. Melbourne…

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Wednesday 10th October 2018

How major bank rate changes could affect you

How major bank rate changes could affect you

Westpac, Suncorp Bank, and Adelaide Bank have all announced interest rate hikes on home loans. So, what do these raises mean for your repayments? If you have a home loan, recent interest rate changes could affect your repayments. After Westpac increased…

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Thursday 24th March 2016

What you need to do before investing in property

What you need to do before investing in property

There are a plethora of reasons to invest in property, including the tax benefits and retirement planning. But let's be honest, the main motivation is to be able to line your pockets with cash, purchase a sports car.

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Thursday 24th March 2016

Your Guide To Inspections Before Buying A Home

Your Guide To Inspections Before Buying A Home

There are so many costs and processes involved with buying a home - have you considered which inspections you might need? Buying a house is a complicated process, and once you find the right one - as well as a good variable or fixed home loan

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Thursday 24th March 2016

Getting Real About Refinancing

Getting Real About Refinancing

Just because you find the right loan now doesn’t mean it’s going to still work for you in 5 year’s time. That’s where refinancing your mortgage comes in.

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