Mortgage Focus January 2019

Happy New Year! We hope you enjoyed some quality time with family and friends over the Christmas and New Year break. Welcome to our first newsletter for 2019. As many people are still on their summer holidays, there’s not much happening in our property markets this month. Few auctions have been listed around the country […]

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Smart ways to manage your Christmas debts

Did your Christmas spending get out of hand this year? You are not alone! According to a recent news report, our 2018 Christmas spending binge is expected to leave us with a $29.7 billion credit card debt – that’s equivalent to $1,863 per credit card! The good news is that mortgage and finance brokers don’t […]

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Mortgage Focus – November 2018

November is an exciting month as the Spring Racing Carnival kicks into high-gear and we begin the countdown to Christmas. It’s an exciting time for property buyers too, as auction clearance rates continue to slide, and sellers struggle to get their price in the spring property market. Interest Rate News At its November Melbourne Cup […]

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4 important property investment finance tips

Since the lenders cracked down on popular options like interest-only loans, finding creative finance strategies for growing your property investment portfolio has become more important than ever. As an investor, how you set up your finances can have a huge impact on the success of your property portfolio. In this article, we share a few […]

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RBA cash rate on hold for November 2018

As expected, the RBA kept the official cash rate on hold again at its November Melbourne Cup Day meeting. Forecasters are predicting no rate rises until late 2020 and don’t rule out the next move being a rate cut, considering declining home prices. However, despite auction clearance rates falling below 50% in most markets during […]

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6 negotiation tactics for spring property buyers

With home values and auction clearance rates softening in our spring property markets, buyers will have the upper hand when it comes to negotiating on price. So, it’s a good idea to arm yourself with some sharp bargaining tactics before diving in. Nobody wants to pay more than the current market value for a home. […]

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When is the right time to refinance an investment property?

Loan refinancing is a strategy used by property investors to access funds – usually to grow or improve the value of their property portfolio. The right time to do it largely depends on your strategy, plans and equity. In this article, we highlight some of the key considerations for this strategy and how savvy investors […]

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Which option is right for you – to rent or buy?

To rent or buy? For some, renting makes good financial sense. For others, it’s just money down the drain. For you it may be a question of short-term convenience versus long-term financial growth, which can make it a difficult decision to make. In this article, we break down the pros and cons of renting and […]

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July 2018 – rates on hold at 1.5%

As expected, the Reserve Bank of Australia (RBA) decided to leave the official cash rate on hold at 1.5% at their July meeting today. This month, it’s all good news for home owners and those in the market for a new loan! Next month (August) will bring us to a record breaking two year period […]

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What is co-housing and could it work for you?

Co-housing is a way of living that offers many benefits, especially for seniors. If the concept is unfamiliar, you may be conjuring up images of a 1970s hippy commune, but rest assured you won’t have to wear tie dye t-shirts or become a vegan to be accepted! In this article, we explain what co-housing is, […]

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Can a boarder help you pay your mortgage?

Are you thinking about buying a home and wondering how you’ll cover the mortgage repayments and still have a life? Remember Cousin Jimmy mentioning he was looking for a new pad? Sure, he’s a little “unusual” with his back-scratcher collection and all, but if living with his bizarre hand gadgets means you’ll score some help […]

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Mortgage Focus May 2018

Can you believe it’s already May? If you’ve been thinking about a 2018 property purchase, here’s why now is a great time to go for it. Firstly, the cash rate remains unchanged at a record low level. Secondly, home values and auction clearance rates are falling in many markets around the country, so conditions look […]

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