Get a Real Pre-Approval in 4 Simple Steps

Jul 20, 2020 12:00:00 PM

Having a home loan pre-approval in place before you go house hunting puts you in the best position to buy a property. Not only are you signaling to sellers that you’re ready to move with pre-approved finance to show you’re serious, a pre-approval can significantly improve your bargaining power too and is essential if you want to bid on a property at auction. Not sure where to start? Here are 4 steps to securing pre-approval.


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Topics: Mortgage Broker, Buying and Selling Property, Home Loans

Investing in property could set you up in retirement

Jul 20, 2020 11:25:02 AM

While the thought of retirement might be exciting, for many it’s also fraught with some concerns, particularly around affordability. The days of relying on your “super” or the Government old-age pension are no longer the norm, which is why having a retirement plan in place is a non-negotiable. Investing in property could be the kickstart your retirement plan needs to supplement you in leaner times. But before you jump in, take a look at the pros and cons of property investment.


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Topics: Property Investment, Mortgage Broker, Buying and Selling Property

Getting a Mortgage in a Post-COVID Australia

Jul 17, 2020 2:33:00 PM

In the wake of COVID-19, banks have changed the way they interact with customers, including how they do lending. A number of key innovations include things like online mortgage applications, video calls instead of face to face meetings, and electronic documentation rather than the usual paper-based option. Find out here how obtaining a mortgage has changed in recent months and what you can expect when you apply for your next home loan.


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Topics: Financial Health, COVID-19, Buying and Selling Property

What’s Changed in the Lending Arena?

Apr 11, 2020 1:33:00 PM

The outbreak of the Coronavirus is without doubt a human tragedy, affecting millions of people worldwide. But it also has a significant impact on the global economy and the way we do business. Understandably, businesses are having to adapt the way they work, moving towards more online and remote work. In the real estate space, mortgage lenders have been quick to announce specific mortgage relief and hardship policies to support those affected by the outbreak, while real estate agents now offer virtual tours of properties for sale and online auctions are the new norm.


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Topics: Mortgage Broker, Financial Health, COVID-19, Buying and Selling Property

4 Ways to Reduce Your Home Loan Expenses

Apr 9, 2020 1:28:27 PM

In these uncertain times, many of us are wondering how we’re going to weather the financial implications of COVID-19. Home owners especially may want to consider ways to reduce home loan expenses to help ease their financial burden at this time. Whether it’s refinancing to a lower interest rate or extending your loan term, a home loan deferral or moving to an interest only loan, there’s no better time than right now to review your mortgage and consider these 4 ways you could reduce your home loan expenses.


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Topics: Mortgage Broker, Financial Health, COVID-19, Buying and Selling Property

3 Tips for Buying Your First Home

Mar 12, 2020 9:35:00 AM

Buying a home is for many Australians a rite of passage and a significant milestone. But it can also be an overwhelming process and incredibly challenging if you don’t know where to start. So that you can navigate the home buying process from start to finish, and make informed decisions along the way, we’ve compiled 3 useful tips for first home buyers.


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Topics: Mortgage Broker, First Home Buyer, Refinancing, Buying and Selling Property

Downsizing Your Home to Fit Your Lifestyle

Mar 11, 2020 9:29:13 AM

There comes a point in most people’s lives when downsizing the family home makes good financial sense. Ongoing maintenance, empty bedrooms and costly monthly bills can make you seriously think about selling your existing home and finding something smaller or easier to maintain. Whether you’re an empty nester or just looking to get into a smaller apartment in the city, here are our tips for making those key downsizing decisions.


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Topics: Mortgage Broker, Financial Health, Buying and Selling Property, Home Loans

Fixed, Variable and Split loans: What’s Right For You?

Mar 9, 2020 7:59:00 AM

There’s no better time than right now to review your home loan structure and mortgage interest rates. Time to tidy up those external debts, refinance to a better interest rate, or refinance to release equity to fund that new car, boat or investment property. If you’re not sure what repayment structure works best for you, here’s a guide to understanding the different types of loans.


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Topics: Mortgage Broker, Home Loan Rates, Buying and Selling Property, Home Loans

Investing in Luxury Real Estate

Feb 17, 2020 8:35:24 AM

When you buy a luxury home, you’re buying more than just a property: you’re investing in a complete lifestyle. Luxury homes are fast becoming the next best thing to gold these days. Given the fact that they’re always in demand, it’s not surprising really that so many buyers are reaping the rewards of better returns in the long term. Take a look at some of the properties featured in Harcourts' Luxury Property Selection. Which one would you pick?


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Topics: Property Investment, Mortgage Broker, Financial Health, Buying and Selling Property

Refinancing in a Divorce or Separation

Jan 16, 2020 7:43:00 AM

Divorce or separation is an emotional time, made even more stressful at the thought of divvying up the property and other assets. In Australia, there are around 50,000 divorces each year and many people are unsure what to do with the family home or investment properties in this situation. If you’ve recently divorced or separated, it may be time to look at your options.


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Topics: Mortgage Broker, Financial Health, Refinancing, Buying and Selling Property