3 Practical Tips For Getting Your Finances Back on Track

Feb 14, 2020 2:36:42 PM

A staggering 7.2 million Australians are said to be starting the New Year with a Christmas debt hangover. What’s more, according to research, one in four Aussies could take up until May to pay back their Christmas debt! If your big Christmas blow-out hit hard in January, it’s time to get your finances back on track starting right now. Here’s how to do that:

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Topics: Mortgage Broker, Financial Health, Refinancing

Curing Your Christmas Debt Hangover

Feb 4, 2020 3:15:00 PM

While you won’t find this expression in a mainstream dictionary, it’s a feeling that’s all too real for anyone who’s overspent at Christmas. A Christmas Debt Hangover usually kicks in around the middle of January when the credit card bills start rolling in. Symptoms include stress, trouble sleeping and an aversion to checking the mailbox! Here’s how to cure it.

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Topics: Debt Consolidation, Mortgage Broker, Financial Health, Refinancing

Refinancing in a Divorce or Separation

Jan 16, 2020 10:43:00 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: Selling, Mortgage Broker, Financial Health, Refinancing

When to Refinance Your Mortgage

Dec 9, 2019 9:00:00 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: Financial Health, Refinancing, Home Loans

Home Loans With Reward Schemes

Nov 16, 2019 1:09:00 PM

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: Selling, Refinancing, Home Loan Rates

What to do if Your Fixed Rate Loan Term is Nearing Its End

Nov 14, 2019 9:15:00 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: Selling, Refinancing, Home Loan Rates

How to Avoid Getting Sick This Holiday

Nov 8, 2019 9:08:39 AM

How often have you headed off on a holiday only to return feeling sick and germ-infested? You’re not alone. When you consider the combination of different foods and drink, lack of sleep, sun exposure, contact with crowds of people, and new environments, it’s not surprising so many people fall ill on their return from a holiday. To help you stay healthy on your next holiday, here are a few simple tips to follow.

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Topics: Mortgage Broker, Refinancing, Health and Wellbeing

What to do if Your Property Valuation is Too Low

Sep 16, 2019 3:37:06 PM

While a property valuation is often an essential step in the home buying process, in recent months home buyers across Australia have been left feeling frustrated and disappointed with the valuation process. Lower than expected property valuations have resulted in home buyers having to pay LMI or even lose the property if they can’t cover the shortfall. Here’s what you need to know about property valuations.

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Topics: Selling, Refinancing, Home Loan Rates

A Good Time to Review Your Mortgage

Jun 23, 2019 5:02:00 PM

Earlier this month, the Reserve Bank of Australia reduced its official cash rate (OCR) to a record low 1.25 per cent. Many of the major banks have already announced changes to their home loan rates, and home loan experts are urging Australian borrowers to find out if they are eligible for a rate cut. There’s never been a better time to review your mortgage by contacting your Mortgage Express broker.

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

Coping With Mortgage Stress

Jun 23, 2019 4:55:00 PM

New data shows a sharp increase in the number of homeowners going into retirement with a mortgage, while the average debt-to-income ratio amongst those with mortgages has pretty much doubled across every home-owning age group. Not surprising, mortgage stress is also on the rise. We share our tips for coping with and avoiding mortgage stress.

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Topics: Refinancing, Health and Wellbeing, Home Loans