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

New Home Build or Renovation Boost From Government

Jun 15, 2020 1:48:18 PM

To boost new construction projects in the wake of COVID-19, the Federal Government will give eligible Australian homeowners a $25,000 grant to go towards a new home build or a substantial renovation of an existing home. The scheme is aimed at incentivising homeowners to invest in their properties while also providing much needed demand for the construction sector. Read on to find out if you are eligible for the grant.

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Topics: Mortgage Broker, First Home Buyer, Home Loans

First Home Loan Deposit Scheme Topped Up

Jun 12, 2020 2:22:46 PM

If you missed out on the initial release of the Government’s First Home Loan Deposit Scheme, there is help at hand. Government has announced a further 10,000 spaces under the scheme will be made available for first home buyers from 1 July 2020 but warns that these are likely to fill up fast. Read on to find out how this scheme could help you into your first home.

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Topics: Mortgage Broker, First Home Buyer, Home Loans

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

Is Your Lender Charging You Loyalty Tax?

Mar 5, 2020 8:02:38 AM

Your “set and forget” mindset could be costing you. As much as 4%, say the experts. That’s the amount of extra interest some homeowners are paying each year in “Loyalty Tax”. If you haven’t reviewed your mortgage recently, you could be doing the same. Read on to find out why it’s imperative you review your mortgage regularly and avoid paying “Loyalty Tax”.

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Topics: Financial Health, Refinancing, Home Loan Rates, Home Loans

Queensland Rental Property Reforms

Feb 15, 2020 11:40:00 AM

The Queensland Government has announced changes to Queensland rental legislation. Under the proposed reform, landlord’s lose the right to refuse pets, tenants can modify rental properties without landlord’s consent, rental properties will need to meet prescribed standards, and landlords will lose their right to end a lease. Take a look at how these changes could impact you as the owner of a rental property.

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Topics: Property Management, Property Investment, Mortgage Broker, Home Loans

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: Mortgage Broker, First Home Buyer, Home Loan Rates, Home Loans

Mortgage Express’ Vicky Devine Named in Choice Leadership Awards

Dec 18, 2019 3:56:39 PM

Leading mortgage brokering company Mortgage Express has announced that Vicky Devine has been named Choice CEO of the Year. Choice Aggregation Services awarded its top award to Ms Devine during its annual High Achievers event, Platinum. This is only the fifth time in its 22-year history that the CEO of the Year award has been given.

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

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: First Home Buyer, Buying and Selling Property, Home Loans