Month: August 2014
FHOG July 2013
First Home Owners There is a lot of assistance available to first home owners. I have compiled some useful information for you and your clients. Is your client a first home owner? The WA State Government has put in place some measures to make home ownership more achievable for eligible first home owners. The assistance…
Read MoreFAQ Mortgage Broker
Some commonly asked questions Using a mortgage broker is something that has been around for several decades in Australia. There are some people who are still not familiar with how and why to use a broker so here are some questions that we commonly get asked. 1. What does a mortgage broker do? A mortgage…
Read MoreCredit Rating
Credit Rating We get asked a lot about credit ratings and how this will impact borrowing capacity. It can be very hard for us to provide general responses in regards to these kinds of questions. As mortgage brokers we get asked a variety of things in regards to credit ratings. Firstly, the issue of credit…
Read MoreConsolidating your Debt
Consolidating your debt In this day and age it is very easy to find yourself in a position where you have a lot of personal debt from things like credit cards, car loans, store cards and personal loans. These can all start out as being easy to manage but over time we can slowly increase…
Read MoreConsidering an Offset account
For the client Blog: Have you considered an offset account: In Australia, we have become a lot more conservative when it comes to debt. We are living with lower levels of debt and are now looking for ways to become debt-free faster. So how is this possible when you are living with a mortgage? Many…
Read MoreChanges to Credit Rating System (Aug 2014)
Changes to the credit rating system We have many clients express concerns about their credit rating. Most of them are uncertain about the actual content on their credit rating. The reality is that not everything has an impact on your credit rating. On the 12th March 2014, the credit checks system is about to change.…
Read MoreChanges to Stamp Duty (Aug 2014)
Changes to Stamp Duty The WA State Government has proposed changes to the stamp duty threshold as well as the applicable concessional rates in the budget announced on the 8th May. The changes came in to effect on 3rd July 2014 The amendments to stamp duty are as follows: The first home buyer stamp duty…
Read MoreChanges to FHOG June 2014
Weekly blog – 2 June 2014 State Budget Changes The big news over the past couple of weeks has been without a doubt the Federal Budget (closely followed by the wink-gate scandal from Tony). Many people may not have realised that at almost the same time, the WA State Government also released its budget for…
Read MoreConsider Bridging Finance
CONSIDERING BRIDGING FINANCE? There are many instances when your client might find themselves in a situation where they need bridging finance. Bridging finance or a bridging loan is the name given to a loan that is intended to create a ‘bridge’ from one property to another. When to consider bridging finance Your client may need…
Read MoreBreaking out of rent cycle
Client Want to know how you can break out of the rent cycle? It is much easier than you might imagine to break free from renting. Just say YES! Are you able to answer YES to the following questions: Total household earnings are less than $130,000 for couples or $90,000 for singles Been…
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