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Mastering the settlement process – What every homeowner should know
There’s nothing quite like the buzz of seeing those words in your inbox: Confirmation of settlement of your property purchase. Settlement day can be both exciting and stressful. But once the formalities are done, it’s all worth it. If you’re planning a property...
How to make yourself mortgage ready
If you’re planning a spring property purchase or to refinance you loan, get yourself the best possible chance of being approved for finance. The following are key factors in lender’s deciding on whether to give you a loan: Your ability to service a loan Your savings...
Tips on saving for a specific goal
Saving for a financial goal can seem daunting, but there are many steps you can take to make it easier. Here are some tips to help you save for your financial goal: Set a specific goal: Determine exactly what you're saving for and how much you need to save to reach...
Market Essentials – July 2023
With tax time upon us, the ATO has announced its focus on rental properties this year. ATO Assistant Commissioner Tim Loh is urging investors to keep proper records as “9 in 10 rental property investors get their tax return wrong”, he said. A record high of 1,753...
Escaping mortgage prison
It’s estimated about 16 per cent of households with a mortgage are in a “mortgage prison”, unable to refinance to a more competitive interest rate because they can’t meet strict serviceability rules. What is mortgage prison? A mortgage prison is when you lack the...
A pre-tax time checklist for property investors
Sorting through heaps of receipts to figure out your allowable deductions isn’t anyone’s idea of a good time, right? Property investment can be a rewarding venture, but it comes with its share of responsibilities, especially when tax season rolls around. To help you...
Market Essentials – June 2023
The 2023 Federal Budget released this month aims to address some of the property market’s greatest challenges. Among its measures is a new tax break for the build-to-rent sector, increased rent assistance and an additional $2 billion to support affordable housing. In...
How your HECS debt affects your borrowing capacity
Do you know how much you owe on your HECS-HELP debt? While student HECS and HELP loans in Australia are interest-free, they are indexed every financial year based on a cost of living index. The recent outbreak of high inflation means millions of Australians with...
What the RBA overhaul means for interest rates
The Reserve Bank of Australia (RBA) is facing a major overhaul following an independent review. What does it mean for interest rates and for Australian mortgage holders? We dive into all your questions in this article. Why was there a review? Treasurer Jim Chalmers...
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