Mortgages & Loans,Personal Finance

How To Make A Fixed Rate Home Loan Work For You

18 Feb , 2016  

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On the back of lenders’ decision to independently raise variable rate home loans last October and growing uncertainty around what the RBA will do with the official cash rate this year, there has been a resurgence of demand for fixed rates among mortgage holders. If you want a little extra security when it comes to […]

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Mortgages & Loans,Property

What Do You Know About Your Home Loan?

2 Jul , 2015  

office-table-home-room

Few large investments offer such “customisable” opportunities as home ownership.  You may paint, decorate, remodel, and furnish it pretty much as you want.  A home loan can make it possible for you to fulfil one of your larger life dreams – owning your own home. But your home loan isn’t just about home buying power.  […]

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Mortgages & Loans,Personal Finance

Is Your Banker Just Like A Used Car Dealer?

11 Mar , 2015  

Used-Car-Sales-Guy-Dealer

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  

Low-Rates-Buy-Home

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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Cashflow & Budgeting,Investing,Personal Finance,Property

The Hidden Cost Of Changing Your Address

2 Dec , 2014  

Hidden-Hide-And-Seek-ProAdviser

There’s a very good reason for trying to buy the best, most suitable property that you can afford to buy – suitable for you now and suitable for you in the short to medium term future. Money. It costs a lot to change address, and I’m not talking mail redirection fees! Imagine this example: Young […]

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