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Home loan acronyms explained: LVR and DTI
If you are buying your first home, getting your head around home loan terminology can be tricky. Two acronyms you may come across are loan-to-value ratios (LVR) and debt-to-income ratios (DTI). Recently there have been important changes to DTI ratios that could affect...
Is your credit report healthy?
One of the things lenders take into consideration when assessing your ability to repay a loan is your credit report. As part of the loan application process, they’ll assess your financial history, including any previous credit applications you’ve made and any payments...
Market Essentials – August 2022
The RBA increased interest rates again this week as inflation rose to 6.1 per cent; the fastest pace in more than two decades.
How redraw facilities and offset accounts can save you money
Redraw facilities and offset accounts work in a similar way – they both effectively allow you to reduce the balance of your home loan, which reduces the amount of interest you pay. So, how do you know which is right for you, or whether you should choose a home loan...
Your suburb research checklist
The golden rule in real estate is “location, location, location”, but how do you know a suburb is right for you when you find it? Whether you are buying an investment property or a home, finding an area that meets your needs is paramount. Here are some things to...
Labor’s policies helping aspiring homeowners
In May, Labor was voted in at the Federal Election. If you’re an aspiring homeowner, the change of Government could mean new opportunities to help get you into your own home sooner rather than later. In this article, we cover some of Labor’s key policies that may help...
Market Essentials – July 2022
Question marks hang over the second half of 2022 as inflation pressures and the impact of international events start to bite here in Australia.
Should I refinance now
With millions of Australian homeowners likely to be slugged with higher mortgage repayments due to the cash rate hikes, there’s one question on everyone’s lips. Is now a good time to refinance? While it depends largely on your individual situation and goals, there are...
A step-by-step guide to property investing
Property investment can offer all sorts of benefits – additional income, capital growth, tax deductions, and the list goes on. If you’re considering an investment property purchase, we’ve put together a simple guide to help you get started. Let’s dive in. Step 1:...
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