July / August Newsletter 2019

July / August Newsletter 2019

When upsizing your home, it can be tempting to bite off more than you can chew and scale straight up to your dream home. We discuss ways to upsize that will achieve a sensible balance between a manageable mortgage and the lifestyle you've always wanted.

With the increased scrutiny lenders are placing on home loan applications, honesty is more important than ever. Find out why

Also, check out our article “Choose Your Investment Loan for The Perfect Fit”.

Please share this newsletter with a friend, and remember, we’re only an email or phone call away if you need our help.

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May / June Newsletter 2019

May / June Newsletter 2019

With the pendulum in favour of buyers in today’s property market, we look at what sellers can do to achieve a fair sale price. This issue also shines the spotlight on living expenses, and how to track and calculate your outgoings for submission to a lender.

Also, check out our post “What Is the True Worth of Your New Home?” which looks at the difference between market valuation and a bank valuation. We outline why the two don’t always match and what to do about it.

Please share this newsletter with a friend, and remember, we’re only an email or phone call away if you need our help.

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March / April Newsletter 2019

March / April Newsletter 2019

If you’re selling a property, we have a couple of articles in this newsletter which will help. Read how you can choose between an auction or private treaty, and whether buying and selling on the same day is a good idea.

We continue our series of tips on gaining fast home approval. This time we look at how a large deposit can make your application attractive to a lender.

Whether you’ve started to pay off your student loan or not, you’ll be interested in our post “You Have a HECs Debt, Your Lender Will Want to Know About It”.

Please share this newsletter with a friend, and remember, we’re only an email or phone call away if you need our help.

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January / February 2019 Newsletter

January / February 2019 Newsletter

Are you carrying the cost of Christmas into 2019 with a credit card debt that threatens to take a toll on your household budget? If so, you’re not alone, with Australia’s collective credit card debt peaking at the start of each new year.

We’ve touched on the topic of credit card debt throughout this issue, with articles on debt management and how debt can affect your chances of securing a home loan.

Check out our post “House Flipping: This is What Professionals Do” for advice on turning a home facelift into a profitable venture.

Please share this newsletter with a friend, and remember, we’re only an email or phone call away if you need our help.

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November / December 2018 Newsletter

November / December 2018 Newsletter

Have you helped a stranger recently, donated to charity or volunteered your time? It seems fewer Australians are inclined to help others without expecting anything in return – see our article “Why the Greatest Gift You Give at Christmas Should Be to a Stranger”. With the season of giving fast upon us, let’s work together to buck this trend.

2018 will be remembered for many things, and we believe mandatory comprehensive credit reporting (CCR) has been one of this year’s noteworthy events.

Also, the reasons why the ‘cooling off’ period after signing a sale contract can leave buyers feeling anxious even though it’s there to protect their interests.

Please share this newsletter with a friend, and remember, we’re only an email or phone call away if you need our help. 

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September / October 2018 Newsletter

September / October 2018 Newsletter

Imagining a time before Mortgage Calculators is a bit like imaging life before Google. Mortgage calculators are an accessible and convenient tool for answering common financial questions, but how much should you rely on them? Find the answer in our post “How Useful Are Mortgage Calculators”.

We look at the hidden dangers and delights of buying a money pit property. It might seem like a good idea to buy a dilapidated home and do it up, but do you know what you’re getting yourself in for?

As for getting home loan approval, learn about what to expect and how to speed up the process.

Please share this newsletter with a friend, and remember, we’re only an email or phone call away if you need our help.

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July / August 2018 Newsletter

July / August 2018 Newsletter

Co-owning a property with family or friends is not without its challenges, but it can be one way to jump the rent-buy gap. How to Make Sure Co-Ownership Isn’t Like A Disastrous Date looks at how you can make it work.

Buy Before The Boom: How To Get Lucky provides strategies for spotting growth suburbs if you’re looking to invest.

And if you’re a first-time buyer faced with the decision between a 25 year or 30-year loan term, you may be interested to read If You Could Save $67,383 in Five Years, Would You?

For our latest home loan tip, check out the value of offset accounts in Home Loan Hack #3.

Enjoy this newsletter and feel free to pass it on to family and friends.

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May / June 2018 Newsletter

May / June 2018 Newsletter

The end of the financial year is a great time to rejig your budget and work out if you can make any additional savings. Whatever extra money you manage to find in your weekly budget, we advise putting it straight on your home loan.

Even the smallest extra repayments can reduce the interest you’ll pay over the life of your loan.  Have a look at Home Loan Hack #2 below to see what kind of savings you’re likely to make.

There’s more good news about savings in our Boost Your Bottom Line with Smart Property Investment article.

Also, check out how shopping around can railroad your home loan application: This Mistake Can Jeopardise Your Home Loan Chances. And it’s important to think ahead and prepare for the costs involved in taking out a loan: Factor in Fees and Avoid a Costly Surprise.

Enjoy this newsletter and feel free to pass it on to family and friends.

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March / April 2018 Newsletter

March / April 2018 Newsletter

Paying an extra $10 on your home loan each week might not seem like much, but it can save you thousands over the life of your loan. To find out how you can save by switching to fortnightly repayments, go to The Ultimate Home Loan Hack below.

Over the next few issues of this newsletter, we’ll be looking at all the different ways you can pay down your home loan sooner.

If you’re looking to buy a new home, check out The Minimalist Guide to Surviving House Hunting for tips on how to cope with weekend open house inspections. You might also enjoy What To Know About Stamp Duty, which answers common questions about this government tax.

Lending to Family: How to Get It Back provides some practical money-lending strategies. Enjoy this newsletter and feel free to pass it on to family and friends.

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January / February 2018 Newsletter

January / February 2018 Newsletter

A new year brings with it the chance to start out fresh. Our first article. Five credit habits that you’ll want to start the new year with is all about developing positive credit habits that will hold you in good stead for securing a future home loan.

As your mortgage broker, I would be delighted to help you with any goals you may have this coming year for financing a home or investing in property.

We continue our newsletter with Home loan deposits: A beginners guide. Here we look at common issues that affect new lenders, like what to do if you only have a small deposit.

Next, we explore interesting statistics about the financial issues we may face in retirement – see Retiring with debt below. This is followed by an article about How to choose a building inspector you can trust.

Enjoy this newsletter and feel free to pass it on to family and friends.

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