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Market Essentials – August 2023
Realestate.com.au Sarah Dowling says economists predict interest rates will fall under the leadership of the new RBA governor Michelle Bullock when she takes over from Mr Lowe in September. Property prices are on the rise despite the avalanche of rate hikes since May...
Is consolidating your debt right for you?
With interest rates rising, there has never been a better time to consolidate your debt. Find out how debt consolidation can help you. Consolidating your debt can be a smart financial move for several reasons: Lower interest rates: One of the main benefits of...
Credit report 101: A beginner’s guide
Have you ever wondered how lenders decide whether to grant you that coveted home loan? Your credit report holds significant importance in their decision-making process. Think of it as your financial report card, showcasing your payment habits and borrowing history....
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...
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