There are several hidden costs involved in the process of home-buying that often elude first time buyers. Learning about these costs before making a purchase can help you plan better and save a lot of surprises down the line.
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Before you decide to purchase your first property there are a number of things to consider, including your current personal circumstances and financial status.
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Saving for a home loan or mortgage isn’t glamorous but it has to be done. So here are some savings tips for first home buyers to help get you into the property market.
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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.
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Brokers can help connect you to the lender best suited to serve your mortgage needs by shopping around on your behalf.
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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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Comparing apples with oranges doesn’t make sense. To make finding the right loan easier, and to make advertised rates as transparent as possible, we have comparison rates.
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If you think you’ve found a home loan that sounds almost too good to be true, unfortunately, it probably is. Here we look at some of the traps you should look to avoid in taking out a mortgage.
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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.
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Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest rate and making the change.
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As property prices continue to rise, purchasing in a centrally-located or sought-after area is out of reach for the average working millennial.
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If you apply for a home loan, particularly if the loan is for more than 80 per cent of a property’s value, you’ll more than likely have to prove to lenders that you have a satisfactory amount of savings.
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Exit and early termination fees can put the brakes on plans to sell, to refinance, and to renovate or purchase an investment property. Here’s how to avoid them from the start.
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When you’re looking for a home loan, you could go to a finance broker or to a bank. While a bank will only offer you its own products, a finance broker is an industry expert who will take the leg-work out of finding the mortgage product that suits you and your needs.
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If you’re swamped with credit card debt and personal loans, it can sometimes help to talk to a professional about debt consolidation.
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The reverse mortgage or equity release loan is a relatively new mortgage product that has been created for retirees who are asset-rich but cash-poor.
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The average duration of a home loan in Australia now is just 4-5 years. Here we look at some of the reasons people in Australia refinance their home loan.
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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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If you don’t receive approval don’t give up. Speak to a professional in the industry and keep your dream alive.
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There is more to selling your home than putting up a ‘For Sale’ sign on your front lawn. Here are the first things you should check off your list to help you get the largest return from your investment and to ensure the process runs as smoothly as possible.
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