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Alexandra Cain One of the toughest parts of realising the dream of owning a home is saving for a deposit. The options seem pretty dismal – subsisting on a diet of beans on toast, never socialising, moving back in with the parents – and are almost enough to prompt a commitment to a life of…

Refinancing your assets to renovate a property is a significant decision that will hopefully improve your standard of living or add substantial value to your property. Refinancing isn’t as straightforward as you might expect. The type of renovation proposed goes a long way to dictating the loan required. If the wrong loan is chosen, you…

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A grand front entrance can create a bold first impression, while an outdated door can diminish an opportunity to impress.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…