2023 property goals
New year, new home? If next year is the year you plan to get into the property market, there are a few things you can do to help you reach your home ownership goals. Here are five things to consider to make your property search. Understand your borrowing capacity The amount of money you can […]
5 financial habits for the new year
The new year is when many of us hit the reset button. It’s a chance to reflect on the past 12 months, reassess priorities and set new goals. If you’re looking to create some better financial habits in 2023, here’s some techniques to help you can get in control of your money. 1) Create a […]
How to stay cyber safe this Christmas
The festive season is a time for giving. But unfortunately, it’s also the time of year when generous shoppers are targeted by scammers. According to the ACCC’s Scamwatch, scams have cost Australians nearly half a billion dollars so far this year – already $150 million more than in 2021. With scams on the rise, the […]
Is reinvesting right for you?
The Great Australian Dream of home ownership is still alive, but it’s evolving. With rising costs of living and higher interest rates, rentvesting has become an increasingly popular strategy for getting a leg up on the property ladder. Reinvesting is when you rent where you want to live and buy where you can afford. Here […]
How to secure a loan with a guarantor
A suitable guarantor can help a prospective borrower to get into the property market sooner. Typically the guarantor will offer some suitable reassurance that loans will be repaid. This reassurance is in most cases given by offering a tangible form of security to support the loan application. While a guarantor can help provide a quicker […]
First Home Owner Buyer requirements
Getting into your first home is a huge step and first homeowners will want to avail themselves of every offer of help available. So what should First Homebuyers understand when applying for the first home buyer’s grant? Rules differ slightly from State to State but n New South Wales the key considerations that need to […]
Reasons why fixed rates are increasing
You’ve no doubt noticed that interest rates and fixed interest rates, in particular, are on the rise. This development is causing some concern and confusion in the housing market. The Reserve Bank has been steadfast in its declarations that interest rates won’t change until 2023, so what on earth is going on? It is true […]
How to lock your home loan into a fixed rate.
With all the talk about interest rates, many people are looking to fix their loan rates for the next three to five years. But fixing a rate can appear problematic when settlement date is ninety days away and there is a prospect of a fixed rate rise in the interim. Many people don’t realise that […]
Post-Christmas Spending and Credit Card Debt
With Christmas and most of the big post-Christmas sales now in the rearview mirror, many Australians are waking up to a massive spending hangover. While exact figures for this year are not to hand, history suggests that the average Australian will add over $1700 to each credit card that they own over the Christmas/New Year […]
Now is the time for a Home Loan Health Check
With the New Year upon us and the finance and property markets seemingly in a constant state of change, organising a Home Loan Health Check now is a great way to align your current finances with your financial goals. What is a Home Loan Health Check? Our Home Loan Health Checks are a free service […]