Top Tips for Saving Money This Christmas

Dec 6, 2021 12:46:54 PM

After another year of COVID-19, lockdowns, social distancing and mask wearing, you’d be forgiven for wanting to splash out this year to spoil the family with a Christmas to remember. But a big Christmas could mean spending more than your budget, or going into debt to pay for it all. Begin the new year without the dread of debt hanging over your head, with these top tips for saving money this Christmas.

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Topics: Christmas, Health and Wellbeing

Switch Off to Reconnect This Christmas, With a Digital Detox

Dec 6, 2021 12:41:14 PM

Too often the scenario around many dinner tables goes something like this: everyone with a phone in one hand and a fork in the other, totally focused on screens, largely ignoring what’s going on around us. This Christmas, why not commit to doing a digital detox instead? Ditch the phone, ignore the emails, turn off the notifications, and discover how to reconnect with loved ones and create festive memories. Here are four ways to do just that.

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Topics: Christmas, Health and Wellbeing

Four Festive Favourites

Nov 17, 2021 2:25:21 PM

Hard to believe it’s almost the end of 2021. As we begin to wind down for the year and head into the festive season, many of us are thinking about taking a holiday, spending time with family, and inevitably, eating too much! To kick off the festive frivolities, the Mortgage Express team would like to share a few of our go-to festive favourites: seasonal recipes that never disappoint.

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Topics: Christmas, Health and Wellbeing

Identifying and Dealing With Economic Abuse

Nov 17, 2021 2:06:29 PM

As one of the lesser-known forms of domestic abuse, economic abuse is no less diminishing. Abusers, who restrict, exploit or sabotage their partner’s access to money and resources such as food, clothing, even a place to live, use economic abuse to limit freedom, strip away autonomy, and damage financial wellbeing. In this article, we’ll look at some of the ways to identify economic abuse, and what to do about it.

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Topics: Mortgage Broker, Financial Health, Health and Wellbeing

What it Costs to Move Home

Nov 10, 2021 10:14:41 AM

There’s a lot to think to about when it comes to moving home. And no matter how far you’re going or the type of home you’re moving into, moving house is undoubtedly one of life’s most stressful times. Much of that stress revolves around how much it costs to move home, which is why planning a budget could help you determine where you could save and provide a realistic overview of much you’re going to need to spend. Here are some of the costs to consider when moving home.

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Topics: Mortgage Broker, First Home Buyer, Home Loans

Choosing a Property Manager: 5 Important Qualities to Look Out For

Nov 9, 2021 10:10:57 AM

When it comes to renting out an investment property, it can be tempting to go it alone as a landlord, rather than enlisting the services of a property manager. It’s only when things go wrong though that the full benefit of a property manager becomes evident. If you’re in the process of choosing a property manager – or still debating whether to hire a property manager – to take care of your rental property, here are 5 important qualities to look out for.

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Topics: Investment Property, Mortgage Broker, Australia Property Manager

All You Need to Know About Bank Valuations

Oct 22, 2021 1:18:31 PM

Buying a home in Australia? Your lender will likely require a bank valuation to calculate the loan to value ratio (LVR) of your home loan. Bank valuations help lenders weigh up the risk of lending. A higher LVR means more risk for the lender, which could impact the amount you may be able to borrow. In this article, we’ll take a look at some of the factors making up a bank valuation, as well as the impact they can have on your borrowing capacity.

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Topics: Mortgage Broker, First Home Buyer, Home Loans

Capital Gains Tax When Working From Home

Oct 20, 2021 2:26:07 PM

Whether you’re working from home out of necessity or using your home as your principal place of business, it’s important you’re clear on both the tax implications – Capital Gains Tax on the sale of your property - and tax deductions that could impact you. Here’s a guide to each of these scenarios.

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Topics: Mortgage Broker, COVID-19, Home Loans

Are You Being Penalized For Sticking With Your Lender?

Oct 14, 2021 4:11:05 PM

From electricity bills to phone plans, car insurance through to home loans, sticking with the same provider year after year could mean you’re paying “lazy tax”. Lazy tax is the penalty many consumers and homeowners are paying as a result of being complacent, not shopping around for the best interest rates, and failing to refinance when rates work in their favour. If this sounds like you, here are two ways to avoid paying lazy tax.

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Topics: Investment Property, Mortgage Broker, First Home Buyer, Home Loans

What’s Driving Australia’s Car Price Increases?

Oct 12, 2021 9:10:44 AM

Rising prices for new and used vehicles is likely to continue in the coming months, as demand for vehicles outstrips supply and the production of new cars continues to be hampered by the pandemic. If you’re in the market for a used or new car, here’s more on why vehicle prices have hit an all-time high, and what to do about it.

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Topics: Pre-approvals, Car Finance