Skip the Post-Holidays headaches by setting your game plans straight.
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All investments have some degree of risk – the key is knowing the level of risk clients feel comfortable with.
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Most people know that reducing their debts can increase their borrowing limit. But did you know that lowering your credit card limit can increase your borrowing capacity?
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It’s not that hard to work out your borrowing capacity. Every bank and finance broker has an online home loan calculator that answers the question, “How much can I borrow?”. Working out how much you should borrow can be a little more difficult.
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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.
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Lender’s mortgage insurance (LMI) is required in many instances when a loan is worth more than 80 per cent of a property’s purchase price, as well as in some other circumstances. In very basic terms, when a lender considers a loan to carry a high risk, LMI is likely payable.
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Small business owners know all too well that the unpredictable nature of the industry can sometimes mean that quick access to cash flow is needed.
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While you may not need a six-figure salary to invest in property, those who earn a relatively low income will require a little more creative thinking to start a portfolio.
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Simply being in a certain profession won’t automatically save you on your home loan.
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Offset accounts and redraw facilities work in similar ways; they both allow you to reduce the balance of your home loan, and therefore the interest charged, by applying extra money to your debt.
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Making extra repayments on your home loan can be a clever financial strategy. Investing your extra cash into your home can speed up your loan’s life cycle, with the added benefit of saving money in the long run.
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Paying off a mortgage can seem relentless – every payment counts of course, but it can seem to be taking forever to make a dent. Here are some simple ways you can increase the amount you pay off and own your home sooner.
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Young couple Sam and Kate were keen to start paying off their own home rather than paying rent, but had no savings. Here’s how they bought their first property.
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Circumstances can change, leaving your home loan less suitable than it was originally. A home loan health check can reveal if you’re paying too much.
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Dana and Peter put everything they had on the line to start a family, including their credit and home loan. With the expert advice of a finance broker they were able to start fresh for their baby girl.
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Having a mortgage expert on your side can be the key to getting your finance over the line, and may save you thousands in interest and fees.
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Wondering why your finance broker is contacting you six months after you’ve settled on your property? The simple answer is that a finance broker is with you for life.
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When a busy doctor who had worked with banks to set up finance for her investment properties visited an Abundance Finance Broker, she walked away with three more properties and a newly simplified finance structure that saved her money.
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How do you match a loan and lender to your needs? Rather than running around finding out the details of each and every lender and loan, draw on the expertise of an Abundance Finance Broker.
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