Investing,Mortgages & Loans,Personal Finance,Property

I am a property investor. Should I split my investment loans?

8 Apr , 2015  

Penthouse 1

If you’re a property investor, or you own multiple homes (perhaps a holiday house up the coast – go you!) you may have a number of loans which amount to a reasonable balance, and you wonder if you should have them all together or not. I say a resounding No! Lets look at this. It used […]

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Mortgages & Loans,Personal Finance

Is Your Banker Just Like A Used Car Dealer?

11 Mar , 2015  


There’s a phenomenon in car buying that says if you walk onto the lot they’ve almost got you. Most car dealers will consider you pretty much sold – and they don’t have to work too hard to get you to buy. Its reflected in the deal you’re offered. If you understand this, and the way […]

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Investing,Mortgages & Loans,Personal Finance,Property

What To Do When Rates Are Low?

7 Feb , 2015  


The Reserve Bank of Australia’s bold move to cut the official cash rate was this week’s big news. After growing speculation of a rate cut, the Reserve Bank reduced the official cash rate by 25 basis points to a new record low of 2.25 per cent. With the cost of borrowing now more affordable than […]

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Investing,Mortgages & Loans,Personal Finance,Property

Your credit card will cost you $80,000

30 Jan , 2015  

woman cutting credit card

In testing your “capacity to repay” a loan, literally how much you can afford to borrow, lenders look at many, many factors – one of which is your other liabilities and credit cards play a big and variable part in this. Most of us have one or two of these brilliant tools – excellent for […]

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Investing,Mortgages & Loans,Personal Finance,Property

Is A Fixed Or Variable Rate Mortgage Best For You?

23 Jan , 2015  

happy young couple relax at home

With 2015 underway, and an increasing number of experts forecasting that the Reserve Bank will cut the official cash rate again later this year, many consumers are re-considering their home loan options and whether a fixed or variable rate home loan is right for their needs. In fact, according to the latest national home loan […]

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Investing,Mortgages & Loans,Personal Finance,Property

How Do I Get A Property Loan?

11 Dec , 2014  


With interest rates at historical lows and subdued growth from the Australian stock market many Australians are turning to property as an investment alternative. If you are a first timer in the property market, have a look at this post. 

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Investing,Mortgages & Loans,Personal Finance,Property

Rates are on hold, what does that mean for you in 2015?

9 Dec , 2014  


Chances are, by now, you would’ve caught wind of The Reserve Bank of Australia’s decision to once again leave rates on-hold. At the conclusion of its November Board meeting, Reserve Bank governor Glenn Stevens confirmed the cash rate would remain unchanged at 2.5 per cent. “The most prudent course is likely to be a period […]

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Cashflow & Budgeting,Mortgages & Loans,Personal Finance

6 Reasons Why You Are In Debt

9 Feb , 2014  

ProAdviser - Reasons Why People Stay in Debt

Do you remember that time when you decided to get yourself out of debt? You might have even felt irritated of being in debt. The constant stress and burden of the piling bills and debt broke you down. Something inside you just clicked and you finally decided that it was about time that you started a […]

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