3 Essential Budgeting Tips for Australian Home Buyers

Jan 22, 2024 2:35:29 PM

Whether you’re buying a first home, upsizing or downsizing, or growing a property portfolio, setting a budget is an essential first step to working out how much you can afford and how much you may be able to borrow. From setting SMART goals to dodging “lazy tax” and sticking to the 50/25/25 rule, these three essential budgeting tips for Australian home buyers will help you make savvy financial decisions and turn home ownership dreams into reality.


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Topics: Financial Health, Budgeting, Financial Advice

Beat the Cost of Living With These 4 Tips

Jun 18, 2023 10:33:00 AM

The rising cost of living has hit Aussies hard, with higher prices at the supermarket, petrol pump and utility bills stretching already tight budgets to breaking point. Keeping up with price rises is challenging when your income doesn’t move in the same direction, and thousands of Aussies are potentially at risk of financial hardship. While you can’t control changing global economies, there are some ways you can help to cut back and save money. Here are 4 tips to help you manage the rising cost of living.


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Topics: Financial Health, Budgeting, Financial Advice

What’s Your Credit Score?

Mar 13, 2023 2:01:55 PM

Credit scores are an indicator of how you manage your money and repay your debt, based on personal and financial information kept in your credit record. When you apply for credit or a loan, lenders use credit scores to determine whether to approve your application or to lend you money. Knowing your credit score can help you negotiate better credit deals or understand why a credit application may have been declined. If you’re unsure what your credit score is, or how to access your credit report, here’s a helpful guide.


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Topics: Debt Consolidation, Financial Health, Budgeting

5 Things to do Before Your Fixed Interest Rate Rolls Over

Mar 13, 2023 1:56:46 PM

Australians already struggling with a rising cost of living are bracing for more pain, as many homeowners will see ultra-low fixed rate mortgages expire in 2023. Thousands of home loans taken out in mid-2020 are due to roll over before the end of the year at much higher interest rates, with some homeowners facing repayments that could soar by up to 65 per cent. Get budget-ready for a fixed interest rate roll over and avoid paying “loyalty tax” with these 5 tips.


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Topics: Interest Rates, Financial Health, Budgeting

3 Steps To Curing A Christmas Debt Hangover

Feb 17, 2023 5:48:05 PM

The post-holiday season can be a tough time for many Australians, as credit card statements arrive and a true assessment of Christmas overspending is made. If you’re facing a Christmas Debt Hangover after overspending during the holidays, the next few months will be critical to ensuring you get your finances back on track again. To help you manage your Christmas debt, and to ensure you avoid overspending this year, here are 3 tips from Mortgage Express.


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Topics: Debt Consolidation, Financial Health, Budgeting