Month: October 2017

Go hard or go home? Not necessarily

You’re buying your first home. But interest rates are expected to start going up at some point. Which is the better financial strategy? Do you stretch yourself, get the biggest loan you can and buy the most expensive/biggest house you can afford? Or, do you take out a smaller loan, buy a smaller house, easily […]

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Capital city spring property update

Spring has sprung and so have several Australian capital city residential property markets, albeit at a more modest rate than in previous quarters, according to leading property data research house CoreLogic. Capital dwelling values rose by 0.7 per cent in the third quarter of the year, according to the September results of the CoreLogic Home […]

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Relocating in retirement? 4 things to consider before you decide

Reaching the end of your career brings many big decisions. One of those is where to live. Will you stay in your family home, or relocate? While moving might be a stress you are not interested in, now your working life is over, there are advantages to downsizing, or relocating to a quieter community. Here […]

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5 smart ways to spring clean your finances

Spring is a great time to dust off the cobwebs and reorganise the linen cupboard. It is also a great time to reassess your finances, to make sure everything is running smoothly. Here are some strategies to ensure you are getting the most out of your money. Dust the cobwebs off your budget Checking in with […]

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Should I renovate?

There is plenty to consider when buying a home. Location. Size. Style. Price. One of the other important questions you might ask is, should I renovate? If you have a limited budget, you might be looking at buying a home that needs work. Or you might be happy with your home the way it is, […]

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What are the benefits of a redraw facility?

If you’re starting to compare home loan types, you’ll no doubt have come across something called a ‘redraw facility’.’ Many lenders offer a redraw facility, and if you’re in a strong financial position with the ability to pay a little bit more in mortgage payments, this can be a great way to reduce interest payments and potentially shorten […]

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What to look for in a home loan lender

You’ll need to make many choices when securing a home loan. From the most suitable type of loan and interest rate, through to extra options such as a redraw facility, making the right decisions early on can play a huge part in ensuring your repayments process runs smoothly and is stress-free. But what about the choice […]

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Investing together part 1: The guarantor

The median cost of a house in one of Australia’s five biggest cities exceeds $800,000, according to CoreLogic RP Data. Small wonder then that your average first and second home buyer might struggle to get approved for the loan necessary to buy in such an expensive market. Could having a guarantor for your loan be […]

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Smartline named franchising winner for eighth straight year

Smartline Personal Mortgage Advisers has been named as Australia’s top franchise for the eighth consecutive year. Topfranchise.com.au ranked Smartline number one in its latest top 10 list released today (Monday, September 26), following a comprehensive survey of franchisees from franchise systems across the country. Smartline has held the number one ranking since 2009. Smartline took […]

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Knocking down to rebuild: the pros and cons

New information reveals that knocking down to rebuild your home is now practically an Australian tradition. In fact, the Housing Industry Association has forecasted that the number of new dwelling commencements will reach a staggering high of 232,500 during 2015 and 2016, a decent number of which might be knock down, rebuilds. The HIA’s chief economist Harvey […]

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