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While refinancing your home loan may seem overwhelming at first, it’s less complicated than you might think.
The real estate market can be tough for young adults, but as a parent you may be able to lend a helping hand. We tell you how.
In the same way, banks across Australia provide ‘unbranded’ mortgage products to brokers, which increases the range of options within the market and offers customers competitive rates to generate valuable savings. Ultimately, it’s still a high quality product and service, just re-branded with a different name.
We took a look at the true costs, including the biggest hurdle-a deposit, as well as the impost of stamp duty for first home buyers trying to buy a home for owner occupation.
While adding a new deck or kitchen can increase the value and enjoyment of your property, overcapitalising can end up costing you more than you planned. Here’s a closer look at what overcapitalisation is, why it’s bad, and how you can avoid it and still increase the value of your property.
Many people are opting for built-in home audio systems. But how do you know if it’s right for your home? We take you through the reasons to choose built-in, what to consider when planning, and ways to avoid common problems.
Block the traffic noise, mask it or both? Here are some great ways to get a deep sleep, from investment in plants and walls, to quick fixes and tweaks that work like a dream.
Privacy, security, beautification – there are plenty of reasons why you might choose to fence your property. Understand what your options are and how to choose the right fence.
As blocks seem to get smaller and smaller, here are some simple ideas to help create privacy from those nosy neighbours!
High-quality tenants make renting your investment property both easier and more lucrative, but how do you actually find them? Along with well-written rental ads, we look at some other ways to get high quality people into your investment property.
Heard about mortgage refinancing? In the past, most people who took out a mortgage doggedly continued with it until they had paid it off. These days, people refinance their mortgage much more frequently. The average duration of a home loan in Australia now is just 4-5 years. Here we look at some of the reasons people in Australia refinance their home loan.
While SMEs account for 97 per cent of Australian businesses, it can still be difficult to make a case to a bank when looking for finance to start a new business or invest in the growth of an existing one. The good news is that applying for commercial finance through a bank is far from the only option.
Businesses need capital if they are to grow, and sometimes need finance solutions to raise capital. If you are unable to raise capital through a loan, equity may be an alternative solution.
If you're running a small business, one of the biggest problems you face is cash flow. Here we look at some of the ways in which you can improve the cash flow of your business.
If your business is paying rent while your super sits around getting fat, it’s time to consider putting your super to work.
If you have a bad credit history you’ll generally find it difficult to get a mortgage through the traditional lenders. But don’t give up hope. The non conforming home loan was created for people in your situation.
Exit and early termination fees can put the brakes on plans to sell, to refinance, and to renovate or purchase an investment property. Here’s how to avoid them from the start.
Your credit report (also known as a credit file) is one of your most important financial assets. Safeguarding this report is an important part of the finance application process.
Two of our favourite clients recently shared their story about one of their past financial ‘mistakes’. Early in their married life – 20 odd years ago - Glenn and Toni paid cash for their first car together. Was this a good move? We explore the answer...
If you think you have to be wealthy to invest in property you might be mistaken! In fact the skills and experience you’ve gained managing a budget on a lower income could make you a better property investor than some big spending high income earners.
Buying your own home remains the great Australian dream – and purchasing a second property may help you take your wealth further. Whether you’re building your property investment portfolio, buying a holiday house or supporting a family member, there are plenty of things to think about before you take that next step.
Buying a property isn’t always a straightforward process, and one area that can cause confusion is the question of who is responsible for insuring it between the signing of the contract and settlement. There are differences in regulations between states, but the basics are as follows.
Earlier this week 4 Corners ran a detailed report on housing focusing largely on how unaffordable it is. The program focused very much on the fact that housing was expensive but nowhere in the report did they actually delve into the reasons why housing is so expensive.
Generally your home provides the best opportunity to secure the most cost effective debt available in any given market. As your home is used as security against the loan, it provides the lender with additional confidence to lend money to you and at a lower interest rate than a credit card or personal loan.
Buying your dream home is exciting, so the last thing you want is for your home loan application to be held up. While many factors are considered in assessing an application, showing stability and consistency is key for lenders to determine whether you will be able to repay the loan. But sometimes what’s happening in your life can trip you up.
Getting a foot in the door of your dream home might be getting harder, but talking to a mortgage broker could get you the keys more quickly.
Average Australian household debt has quadrupled over the last three decades, according to a new report, with average household debt now sitting at almost $250,000.
Making a huge financial decision is not an easy task. Find out when you might need the help of a reputable financial mortgage broker.
This is perhaps one of the first questions that will come to mind when applying for a home loan in Perth. Lenders don’t just loan a large sum of money to anybody. They want to make sure a borrower is responsible and capable of paying them back.
With the Australian Taxation Office (ATO) encouraging rental property owners to be vigilant when preparing their annual income tax assessment this year, it’s important that investors understand the depreciation deductions they are eligible to claim.
Owning an investment property can be far more affordable for potential investors than they think, particularly when they claim all of the tax deductions available to them.
Loans come in various types. The key is to know your options to determine the best one for you. Learn about some of the most popular types of commercial loans.
Tips on what you can do to make better financial choices for the future.
Everyday life events can and may impact your ability to meet your loan repayments. By making you aware of loan protection you can make an informed decision. It’s about making sure you can service your loan.
How you arrange your loan and its features will have an impact on your finances. Find out whether it’s time to fix your interest rates or refinance.
After APRA released a practice guide for residential mortgage lending, several banks have made changes to their lending criteria. Learn more about it here.
Another major bank shuns SMSF loans following some concerns. Will this affect your SMSF loan? Find out more from this article.
Applying for a loan? Make sure to get your application approved fast with these helpful tips.
It’s good to be able to get financial services when you need it. Choose high quality professional financial service from the finest.
Whether it’s smooth sailing or your business is on the rocks, a specialist commercial broker at your side is your greatest asset.