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Tips for repaying your mortgage sooner

Make extra repayments The most common mortgages for home buyers require you to pay principal and interest. On a typical 25 year mortgage, anything extra you pay in the first five – eight years (when most of your repayments are primarily paying off the interest) is especially good at cutting your interest bill and shortening … Read more

Tips For Purchasing Your Second & Future Investment Properties

Use the equity in existing property Make your current property work for you! There’s no need to own your home outright or sell it to access enough equity for an investment purchase. Equity is simply the difference between what your property is worth and what you owe. For example, if you have a property valued … Read more

Getting Started: Property Investing Factors to Consider

Finance: Using equity to buy your investment property Many Australians are now tapping into their “pot of gold” – the equity in their home – allowing them to invest for the future and forge ahead financially. Tapping into your home equity (or equity from another investment property), is a great launching platform for buying an … Read more

Getting Started: Choosing the Right Loan

There are various types of home loans, all offering different rates and features. Always check the terms of your loan. Honeymoon loans A loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the … Read more

Buying Your Investment Property: A Step By Step Guide

Step 1 – Have your loan pre-approval in place Knowing how much you have to spend gives you the confidence to make a calculated offer on your property of choice. Step 2 – Choose the right property in the right location Research your chosen suburb by checking all advertised listings in newspapers, the internet and … Read more

It’s more than the interest rate

Interest rates are relevant and they are an important factor to consider when deciding which loan is right for you. A higher interest rate can mean thousands of dollars over the life of your loan. So, getting a nice low rate is something you need to make certain you do. However, purchasing a home is … Read more

Purchasing your investment property: Overview

Why investing in property may be the answer A property investment plan is one that works towards building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a … Read more

Getting Started: Borrowing Essentials

Credit reference The lender we choose together is going to do a credit check on you. They’ll be looking at any credit applications made by you and will be checking if you’ve defaulted on payments or have an infringement referenced either in your name or your company’s name if you are self employed. Make sure … Read more

Good Debt vs Bad Debt

Living life creates debt. Owning your own home, cars, dining out, and generally enjoying life, all cost money – money that is typically borrowed from a financial institution. While debt is an essential part of everyday life, it can also wear out its welcome, and wear down your desire to dream for a better tomorrow. … Read more

risk vs insurance

Choosing The Right Insurance

Insurance is about the balance between protecting what you have now and what you will need in an unforeseen event. Figuring out what is right for your needs. The level of cover you will need is likely to change throughout your life, the secret to finding the right insurance is to understand your current needs … Read more