We’ve seen interest rates bounce back up over the past three months, and most economists are predicting more increases to come. If you’re starting to worry about your finances, rest assured there are several steps you can take now to get on the front foot. The days of ultra-low interest rates are
As we are at the end of 2024, the Australian property market has shown varied performance across different regions. Here’s a summary of how property prices fared in 2024 and what’s expected for 2025: 2024 Performance National home values increased by 5.5% over the year November 2024 saw a modest
It’s good to understand the loan process before you get started. Get a mortgage broker on your side We’ll discuss your short and long term goals so we can go away and research your options. Understand what’s possible I’ll scour the market and provide tailored recommendations that meet your goals and objectives.
Buying a new property and selling your old one can be an expensive and tricky process. One of the key things to consider is the timing. Should you buy your new place before selling your current property? Or should you sell your property first before buying a new one? An
Lenders Mortgage Insurance (LMI) and Loan Protection Insurance (LPI) are two totally different things. Full glossary is available here LMI is something your lender will generally require you to pay if you take out a mortgage with less than a 20% deposit. LPI is something you can optionally purchase to protect you
Finance options for renovations As homeowners, we all want to add value to our property, and possibly the best way to do that, is through renovation. Whilst the idea of renovating is simple enough, the reality is that improvements to the home cost money. The good news is that there
Equity is the difference between the current market value of your property and the remaining balance on your home loan. If you’ve had your property for a few years, the chances are you may have built up equity that you could use in a range of ways. Working out your home equity
When applying for a home loan, it’s crucial to gather all the necessary documents to streamline the application process. Lenders require specific documentation to assess your financial position, verify your identity, and evaluate your eligibility for a mortgage. This detailed home loan application document checklist will help you prepare all
► Gaining access to an experienced mortgage broker is an invaluable resource when looking for finance. The broker will assess your financial situation and has access to a much wider range of loans (35+). Fundamentally, a good broker will be able to advise you on the pros and cons of various loans.
Non-conforming and impaired credit is basically what the main stream lenders don’t do – but for many borrowers – there are lending options. Late payments – Defaults – Bankruptcy – ATO debts – Part IX agreement – Low Credit Score (but no credit issues) – Business Partner Buy-out – Voluntary Administration
Imagine this: you’re unlocking your phone as usual, but this time, you’re not just accessing your device—you’re giving hackers an open door. Trickmo, a crafty malware spread through phishing, disguises itself as your phone’s regular lock screen to steal your PIN or unlock pattern. Once hackers have this, they can
To suggest that there are just 14 ways to pay your home loan off sooner is a little deceiving because there’s countless factors that can reduce your monthly obligations, and reduce the term of your loan. However, we’ll look at just 15 basic considerations. 1. Skip the honeymoon period Beware of lenders
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