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So far brad has created 23 blog entries.

The Royal Commission shows why Mortgage Brokers are best….

The current Royal Commission into the finance industry has certainly shed some light on the banking system at large. From a lending perspective, it now makes more sense than ever to use a good Mortgage Broker, and not deal directly with the lender. For many years now, I have been heralding the fact that Banks [...]

By |2018-11-09T12:59:09+00:00October 4th, 2018|Financial|Comments Off on The Royal Commission shows why Mortgage Brokers are best….

Want to help your kids buy property? Here’s how.

The real estate market can be tough for young adults, but as a parent you may be able to lend a helping hand. We tell you how. 1.Parent-to-child loan A parent-to-child loan is when a parent lends their child money. This is a formal, legally binding arrangement, administered by an independent third party. At the [...]

By |2018-11-09T12:59:57+00:00August 24th, 2018|Financial|Comments Off on Want to help your kids buy property? Here’s how.

What you can borrow or what you should borrow?

The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation. Here’s how to do it. Understand your borrowing capacity Generally speaking, your borrowing capacity – what you can borrow – depends on [...]

By |2018-11-09T13:01:53+00:00July 17th, 2018|Financial|Comments Off on What you can borrow or what you should borrow?

Say goodbye bad debt in seven straightforward steps

It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is essential when you set out to buy [...]

By |2018-06-29T10:38:44+00:00June 29th, 2018|Uncategorized|Comments Off on Say goodbye bad debt in seven straightforward steps

Family planning: Applying for a home loan with a baby on the way

A new baby completely changes your life. Are you also prepared for how a new baby might affect your chances of buying a home? Here are some things to consider before you submit your application. When a lender assesses your home loan application, they look at your income, assets, debts and expenses before deciding whether [...]

By |2018-06-11T11:02:58+00:00June 11th, 2018|Uncategorized|Comments Off on Family planning: Applying for a home loan with a baby on the way

How to add maximum value with renovations

Renovating is one of the best ways for property owners to increase the value of their homes. If you’re looking to add value to your home, but don’t want to renovate every room, it can be difficult to decide where to start. Here are some ideas to help you decide which part of your property [...]

By |2018-06-01T08:25:20+00:00June 1st, 2018|Uncategorized|Comments Off on How to add maximum value with renovations

Mortgages and break-ups: Some practical tips when separating

Breaking up is hard to do. On top of the emotional impact, there are practical ramifications as well. When there’s a separation or divorce, debts you’ve accrued during the relationship unfortunately don’t go away. The longer a couple is together, the harder it can be to unravel all the financial connections. Here we outline some [...]

By |2018-05-14T10:32:24+00:00May 14th, 2018|Uncategorized|Comments Off on Mortgages and break-ups: Some practical tips when separating

Choose the right real estate agent to sell your home

Although our focus is mainly on buying and the best loan to help, at some stage you will want to sell your property. Finding the right real estate agent to sell your property can be daunting. These helpful tips can make the experience a whole lot easier. Do some research The key to finding the [...]

By |2018-05-04T15:09:14+00:00May 4th, 2018|Uncategorized|Comments Off on Choose the right real estate agent to sell your home

Get the most out of refinancing

Everyone wants to pay less on their mortgage, and refinancing is one strategy to help lower your interest rates – but is it worth it? We take a look at how you can get the most out of refinancing. Why refinance? Generally, people refinance to negotiate a better deal on their home loan and pay [...]

By |2018-04-27T13:46:22+00:00April 27th, 2018|Uncategorized|Comments Off on Get the most out of refinancing

Mortgage offset accounts: Making your loan work for you

Savvy borrowers have an endgame in sight before they even apply for a home loan, and with the right mortgage offset account, they could win that game even more quickly. Home buyers usually focus on the here and now, not the distant future. Rather than the size of their Home Loan balance in 10 or [...]

By |2018-04-24T13:53:22+00:00April 20th, 2018|Uncategorized|Comments Off on Mortgage offset accounts: Making your loan work for you