Month: November 2018

Reducing the life of your loan isn’t difficult; there are many simple things you can do to cut years off your mortgage. Here are some tips that will help you be mortgage-free sooner than planned.   Small extra repayments One of the most obvious ways to pay off your home loan quicker is to make…

Negotiating the best property price isn’t a matter of swindling a seller. It’s about doing your homework, knowing what you want, knowing the market and making sensible offers. When you are buying property, getting the best price can mean the difference between being able to afford it and having to settle for second best. And,…

For the best possible chance of getting the loan that suits your circumstances, you need to tick all the boxes. If an application is not completed correctly, you risk delays in approval, or even being declined by potential lenders. Other than the obvious documentation that needs to accompany an application, satisfactory identification and evidence of…

When purchasing an investment property, there are a number of factors that could increase or reduce your potential return on investment. In this case it’s not just location, location, location. When considering a property for investment purposes, the most important question to ask is ‘will be attractive to tenants?’.  But how do you know what…

A grand front entrance can create a bold first impression, while an outdated door can diminish an opportunity to impress. So how do you decide which doors are best throughout your house, considering safety, functionality and aesthetics? When you’re revamping your home or investment property, the right doors can make all the difference. The idea…

Choosing the person who will help you make one of the most important decisions in your life can be daunting. Here’s how to find your credit adviser. Many people find the right credit adviser by asking their friends for referrals. This is a fantastic place to start. But sometimes, no one can recommend one in…

From time to time, a business needs a cash injection. With so many lenders offering a dizzying array of products, it can be difficult to know what to choose. There are plenty of different types of business finance, but before diving in and applying, it’s important to understand your requirements first, so that a loan…

When you consider that a small flat in Perth could set you back half a million dollars at the moment, saving a 20% deposit to buy that flat – $100,000 – can seem an insurmountable task. That’s where insurance can help. Lenders mortgage insurance (LMI) may be an added expense, but it offers buyers the…

You can remember it now: sitting in a chair at the back of the lecture theatre, chatting to your friends and ignoring the debt that each day at university was plunging you into. But now you’re older and wiser, and reality has set in. You want to buy a property, but you’re unsure how your…

Self-employed borrowers come up against the challenge of not being able to simply present payslips and tax returns to back up their loan applications. But this need not stop you buying your dream home. Many lenders offer loans for self-employed borrowers who can’t hand over payslips and employment records. This means that, rather than the…