When it’s time to renovate, everyone wants to save money. It’s fine to be hands-on for some tasks, but there are a few projects that are definitely not DIY friendly. Here’s a guide to what you may want to do yourself and what you should leave to the professionals. What to do yourself Painting A fresh coat of … Read More
Mortgage offset accounts: Making your loan work for you
Savvy borrowers have an endgame in sight before they even apply for a home loan, and with the right mortgage offset account, they could win that game even more quickly. Home buyers usually focus on the here and now, not the distant future. Rather than the size of their loan balance in 10 or 20 years, they are more likely … Read More
How to modernize your kitchen on a budget
If you want to modernise your kitchen but you’re concerned about the cost, don’t be dismayed. There are many ways to get a new kitchen without destroying your bank balance. Downgrade to upgrade Saving money doesn’t mean you have to compromise on everything in your new kitchen. Select a few fittings or features that you want to spend a … Read More
Your property inspection checklist
When you’re house hunting, it’s easy to get distracted by aesthetics. This checklist will help you focus on what’s really important at a property inspection. Is it right for you? Is a spare bedroom, second bathroom or ensuite a must? Will everyone be safe or comfortable climbing stairs? Does your dog need space to roam? Be realistic about the … Read More
Easy landscaping tips when selling your property
Sure, you shouldn’t judge a book by its cover, but a scrappy yard can be an instant turn-off to potential home buyers, even if the house is a dream on the inside. We’ve pulled together some savvy landscaping tips to make sure your home is picture perfect for when you’re ready to sell. The first thing to keep in mind … Read More
Refinancing could save you thousands and give you greater flexibility
It’s often said that Australians are more likely to divorce their spouse than switch banks. But with plenty of competition in the home loan sector, refinancing can be a good move. There are a number of reasons why you might want to refinance: you can consolidate debt from high-interest credit cards into a home loan with a lower rate of interest; … Read More
While refinancing your home loan may seem overwhelming at first, it’s less complicated than you might think.
With historically low interest rates and increased competition across the home loan industry, lenders are keen to get your business. When you first took out a home loan, you probably paid very close attention to interest rates. Over time refinancing your mortgage may therefore be a relatively simple way to save thousands of dollars and get a better deal on … Read More
The Value of a Pre-Approval?
Ready to buy a property? You’ll need to show the seller you have enough money. For most people, this will mean getting a loan, and the first step to getting one is obtaining pre-approval for it. Pre-approval – also known as conditional approval or approval in principle – is an indication from a lender as to how much you can … Read More
Fixed, Variable or Split Rate Loans
FIND THE LOANS THAT’S RIGHT FOR YOU In Australia, there are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage. Here is some information to help you choose the repayment structure that works best for you. VARIABLE RATE LOANS Variable interest rate loans are … Read More
Top 5 Reasons to Refinance Your Home Loan
A home loan is generally a long-term proposition, but in some situations it can make sense to refinance your mortgage. Refinancing involves taking out a new mortgage and using those funds to pay off your existing mortgage. Doing so can save money and result in significant financial gains over time. Here are some things for you to consider if you’re … Read More