First Home Buyer Initiatives

Mar 24, 2018 12:00:00 AM

More first home buyers are entering the Australian property market, according to figures released by the Australian Bureau of Statistics in November 2017, a likely result of a combination of factors including low interest rates, a softer market, better buying conditions as well as a number of State-led initiatives aimed at helping first home buyers. Take a look at some of these.


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Topics: Mortgage Debt, mortgage rates, Mortgage Broker, First Home Owner Grant, first home buyer

Buying and selling at the same time

Mar 23, 2018 12:00:00 AM

Timing is often a challenge when it comes to buying a new home and selling an existing one. In a perfect world, both transactions would happen simultaneously. In reality though, you could end up owning two properties while you sell your existing home. That’s where bridging finance comes in.


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Topics: Mortgage Debt, mortgage rates, Mortgage Broker, Bridging Finance

Retiring with mortgage debt

Mar 22, 2018 9:37:53 AM

A growing number of Australians are expected to retire with a mortgage, research from a superannuation fund shows, while the “sandwich generation” grapple with a phenomenon known as “inter-generational dependency”. What are some of the ways you can ensure you retire debt-free? Read on to find out.


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Topics: Mortgage Debt, reverse mortgage, mortgage rates, Mortgage Broker, Retirement

Big banks, small banks, non-banks

Feb 23, 2018 7:00:00 AM

When deciding on a home loan provider, many people choose to approach their own bank in the first instance, believing it makes sense to work with a lender already managing their everyday banking. This is not always the best option however, and it could mean missing out on better deals. To help you decide on the right lender, we’ve outlined some of the pros and cons of big banks, small banks and non-banks.


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Topics: Australia Property, Australia Real Estate, mortgage rates, family home, Pre-approvals, Mortgage, Home Loan, Bad credit, lending options, non-bank lender, Home loan rates

Buying a home with bad credit

Feb 21, 2018 7:00:00 AM

A bad credit rating can put the brakes on your home buying plans, but it doesn’t have to be the end of your journey. Understanding what bad credit is, how to avoid it, and what your options are if you already have a bad credit rating, can help you decide on the next steps to take when buying property.


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Topics: Australia Property, Australia Real Estate, mortgage rates, family home, Pre-approvals, Mortgage, Home Loan, Bad credit, lending options, non-bank lender, Home loan rates

Home loan pre-approvals: What you need to know

Feb 19, 2018 6:53:09 AM

Having a pre-approval in place before you start house hunting has a number of benefits: As well as showing sellers and agents you’re serious about buying, it helps speed up the process when you find a home you like, which puts you in a far better negotiating position. If you are considering applying for pre-approval, take a look at our tips for a successful pre-approval application.


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Topics: Australia Property, Australia Real Estate, mortgage rates, family home, Pre-approvals, Mortgage, Home Loan

Divorce or separation and the family home

Feb 13, 2018 2:53:02 PM

The end of a relationship is understandably an emotional and traumatic time, and the process of separating your lives, property and finances can be challenging. As your income and expenses are likely to change at this time, it’s important you understand the impact of these changes on your most important asset: your family home.


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Topics: Australia Property, Australia Real Estate, mortgage rates, divorce, separation, family home

Top tips for your 2018 budget

Jan 26, 2018 8:00:00 AM

If you haven’t already given much thought to budgeting for the year ahead, now’s a good time to start. Having a budget can help you reduce overspending, help you save more, and ensure you avoid situations where unplanned expenses drive you into debt. To help you plan a more financially secure 2018, here are our top budgeting tips.


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Topics: Australia Property, Australia Real Estate, Home loan rates, mortgage rates, Interest Rates, Homeowners, Debt Consolidation, mortgage stress, Budgeting

Mortgage Stress: Are you feeling it?

Jan 23, 2018 12:56:00 PM

New research has revealed that nearly a third of Australian households are already under mortgage stress, a figure that looks set to continue rising if past figures are anything to go by. Read on to find out how to prevent yourself from falling into mortgage stress, and what to do if you’re already in it.


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Topics: Australia Property, Australia Real Estate, Home loan rates, mortgage rates, Interest Rates, Homeowners, Christmas Debt, Debt Consolidation, mortgage stress

Managing your Christmas debt hangover

Jan 19, 2018 12:54:24 PM

According to the Reserve Bank of Australia, the nation spent an estimated $30 billion dollars on credit cards in December 2017. Almost half of all Aussies won’t be able to repay their Christmas spending within their interest-free period. If you’re one of those who overspent during the holidays, it’s time to take action. Here’s how we suggest you manage your Christmas debt hangover.


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Topics: Australia Property, Australia Real Estate, Home loan rates, mortgage rates, Interest Rates, Homeowners, Christmas Debt, Debt Consolidation