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: Refinancing Options, Home Ownership, separation, divorce, Financial Advice, Home Loan Advice, Buying property in Australia, Australia Mortgage Broker

First Home Owners Deposit Scheme – All You Need to Know

Jan 13, 2020 7:39:00 AM

On 1 January 2020, the Australian Government’s First Home Owners Deposit Scheme kicked off and already hundreds of Aussies have signed up to the scheme. Aimed at supporting eligible first home buyers purchase a home sooner, the scheme allows first home buyers to put down just five per cent deposit, with the National Housing Finance and Investment Corporation (NHFIC) guaranteeing the rest of what would normally be a 20 per cent deposit. Here’s all you need to know.


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Topics: Home Ownership, Financial Advice, Home Loan Advice, Buying property in Australia, Australia Mortgage Broker, First Home Loan Deposit Scheme

Australia needs your support

Jan 9, 2020 10:54:33 AM

Australia faces a long and hot summer with the prospect of ongoing bushfires evermore a reality. It will take some time for the people of Australia to rebuild their lives and livelihood. But the outpouring of support from around the world has been simply staggering, with organisations and individuals banding together to help support victims, wildlife and the brave firefighters risking their lives to save ours.


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Topics: Home Ownership, Financial Advice, Home Loan Advice, Buying property in Australia, Australia Mortgage Broker, Bushfire

Mortgage relief for bushfire victims

Jan 9, 2020 7:36:50 AM

Australia is in the grip of a major crisis, fighting an unprecedented bushfire season. Over 2,000 homes have already been destroyed in some of the worst bushfires ever experienced. Now, several lenders are offering relief for victims of the bushfires with relaxation on payments for loans and credit cards, waiving of fees and emergency credit assistance. If you’ve been victim of the devastating bushfires, it’s vital you reach out to your mortgage broker or banker for assistance or respite.


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Topics: Home Ownership, Financial Advice, Home Loan Advice, Buying property in Australia, Australia Mortgage Broker, Bushfire

First Home Loan Deposit Scheme – will you qualify?

Dec 11, 2019 9:00:00 AM

Ahead of the Federal Election earlier this year, Prime Minister Scott Morrison pledged government’s support to help first home buyers buy their own home with just a 5 per cent deposit. The First Home Loan Deposit scheme kicks off on 1 January 2020 offering up to 10,000 first home buyers each year the chance to buy a home. Will you qualify and what can you actually buy under the scheme?


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Topics: Home Ownership, first home buyer, Financial Advice, Home Loan Advice, Home Loan Application, First Home Loan Deposit Scheme

When to refinance your mortgage

Dec 9, 2019 6:00:00 AM

Refinancing your mortgage could help you secure better interest rates, reduce the term of your loan, and even strengthen your overall financial position. Deciding when to refinance depends on several factors and there are many instances where property owners refinance for reasons other than just the interest rate. Take a look at when you could consider refinancing your mortgage.


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Topics: Refinancing Options, Home Ownership, refinancing, Financial Advice, Home Loan Advice, Home Loan Application

How to buy a house in Australia as a migrant

Dec 6, 2019 12:32:18 PM

For many people, owning a home in Australia is the ultimate Aussie dream. And that dream is no different for new migrants making Australia their home. When it comes to buying a house in Australia as a migrant though, there are a few rules you need to know about to pave the way to home ownership. Read on to find out what your options are as a migrant on a temporary visa or as a permanent resident buying property in Australia.


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Topics: Migrant Mortgage Advisers, Home Ownership, Financial Advice, Home Loan Advice, Home Loan Application

Home loans with reward schemes

Nov 16, 2019 10:09:00 AM

Does earning reward points or frequent flyer miles while you pay off your mortgage sound too good to be true? It’s not as crazy as it sounds: in a bid to snag more business, some home loan lenders offer borrowers the chance to earn reward points or frequent flyer miles on their home loan balance. Read on to find out more about home loans with reward schemes.


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Topics: Refinancing Options, Home loan rates, Financial Advice, Home Loan Advice, refixing, Australia Mortgage Broker, Home Loan Application

What to do if your fixed rate loan term is nearing the end

Nov 14, 2019 6:15:00 AM

If your fixed rate loan term is nearing its end, there’s never been a better time to review your mortgage. With interest rates at historic lows, you’ll need to decide whether to roll again for another fixed term or take advantage of cheaper variable rates and pay down some serious debt. Be aware though, if you do nothing, lenders may simply put you onto their most expensive variable rates, so it’s vital you take some action. Here are your options:


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Topics: Refinancing Options, Variable versus Fixed, Variable Interest Rate, Fixed Interest Rate, Financial Advice, refixing, Australia Mortgage Broker

Keeping your home safe for the holidays

Nov 12, 2019 6:12:00 AM

Planning a summer break this holiday and heading to the beach, the mountains or overseas?
Empty houses are an easy target for burglars so it pays to be a little more cautious to ensure the security of your home and save you unnecessary stress while you’re away. Stop unwelcome visitors in their tracks and keep your home safe this holiday with these handy tips.


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Topics: Financial Advice, Australia Mortgage Broker, Life Insurance, Insurance advice, Home and Contents Insurance, Vehicle Insurance