In April the Federal government announced First Home Guarantee Scheme Changes. From July 1 2023, friends, siblings and other family members will be able to jointly apply for the First Home Guarantee and Regional First Home Guarantee. They will be extended to non-first-home buyers who have not owned a property in the past 10 years….
This Is Getting Out Of Hand And A Small Glimmer Of Good News – Why are Interest Rates so High in Australia? Why are Interest Rates so high and keep on rising? Banks are again revising the number of rate rises the RBA will make. Thanks to the minimum wage rise, there are a number…
Discover the 9-step process of buying a house in NSW and gain valuable insights into navigating the real estate market. From assessing borrowing capacity to settling the purchase, this comprehensive guide covers everything you need to know. Don’t miss out on essential steps like property inspections, contract review, financing, and more. Get expert advice for a smooth and successful home buying journey.
Recently we were helping a client buy a property in an Over-55 Complex – I don’t think they understood just how difficult home loans like this can be. A lot of lenders will just point-blank refuse to lend money on a property like this. So I started thinking of a list of the Difficult Home…
Did you find yourself wanting to start your investment portfolio? Then you might have asked yourself “How Do I Structure My Investment Property Ownership?” When I help clients with their investment loans, how the investment is owned is one of the most important aspects for the investor. It’s right up there with getting the right…
Learn effective strategies to pay off your home loan early in the Australian mortgage market. Discover methods such as extra repayments, fortnightly and weekly repayments, finding lower interest rates, avoiding interest-only loans, purchasing investment property, making lump sum repayments, and utilizing a 100% offset account. Save thousands in interest and reduce your loan term. Take control of your finances and achieve financial freedom.
Ensure a smooth home loan application process with our comprehensive home loan application document checklist. From proof of income to property documentation, we outline the specific documents required for salary/wage earners, self-employed individuals, rental income, and more. Be prepared and increase your chances of securing a mortgage tailored to the Australian market.
What you should do if your fixed rate is ending. 1. Negotiate with your lender. 2. Contact us. 3. Refinance to a lender with a lower rate if required.
Open Banking was introduced to help consumers safely share their data and to assist with finding banking deals available. It is not working as planned….yet.
Lenders are currently offering refinance cashbacks of up to $5,000 when you refinance your home loan to them.
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