Here we look at some specific mortgage refinancing options people use to deal with some common situations.
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When considering an investment property, your first port of call should be your finance broker.
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When you’re trying to secure finance for an investment property, it’s important to keep a few simple rules in mind to make sure you get the best deal possible and will be able to afford the repayments, come what may.
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It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the 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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Buying property is one of the biggest decisions most of us will make in our lifetime – it’s something you want to get right.
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For those getting ready to stride into the world of home ownership, the uncertainties of pre-approval can cast a shadow of doubt over an otherwise exciting time. When is it necessary? How long does it last? And what does it involve, exactly?
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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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For those with an SMSF, there is one more option to consider: landing business premises and an investment property at the same time.
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It’s easy to understand why we look for the largest, most prestigious properties we can afford – we are constantly urged to define our success by our possessions: bigger, better, newer, faster, shinier.
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Property investment is a lengthy and involved process. To ensure you have considered all that is required before making the big purchase, we’ve outlined the steps you need to take.
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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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There are many paths to successfully financing a property purchase. Recently, an Abundance finance broker helped a young couple, who had nearly given up hope, realize their dream.
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Whether you are buying land for an immediate build, as an investment or for a ‘one day I will build and live here’ dream, a vacant-land purchase can be financed by a range of mortgages.
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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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Buying a property carries more costs than just the purchase price, so don’t forget to account for these extras.
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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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Before you apply for a home loan with your partner, there are a few discussions that you need to have that go a little beyond what you may know already.
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With the RBA setting the official cash rate at all-time lows, it’s a good time to work out how this impacts the interest rate on your home loan and whether you are getting a good deal or not.
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