Keeping your credit score healthy

Keeping your credit score healthy

Wednesday, August 09, 2017




  1. CAN YOU MANAGE a mortgage AND a baby?
    20 Sep, 2017
    CAN YOU MANAGE a mortgage AND a baby?
    As new parents we are often caught off guard when our organised life becomes a thing of the past after we bring home our bundle of joy. It’s amazing how tiny babies can turn our household upside down. We quickly learn to be more flexible about when we eat, sleep, go to the shops and even shower! It helps to be flexible in our financial life too when the impact of reduced household income and the expense of a new addition starts to be felt. We’ve all heard it said “there is never a right time
  2. Nearly half of all home owners have NEVER refinanced! Are you one of them??
    01 Sep, 2017
    Nearly half of all home owners have NEVER refinanced! Are you one of them??
    A recent survey of Australian mortgage holders found 45% had NEVER refinanced their home1. The report also found customers who DID refinance saved an average of $240 per month ($2,880 pa) by refinancing a 30 year loan. What would YOU do with an extra $240 each month? Why consider refinancing? You no doubt know the cash rate set by the Reserve Bank of Australia (RBA) is at an all-time historical low. In turn, most lenders are offering the lowest home loan rates EVER seen. SO... If there are
  3. 5 reasons a pre-purchase building inspection is essential
    06 Jun, 2017
    5 reasons a pre-purchase building inspection is essential
    It may seem one of the more tedious aspects of buying yourself a home, but building inspections are a must! It’s surprising how many people don’t think about getting a pre-purchase building inspection or decide not to for the sake of saving a few hundred dollars. An inspection is essential for a number of key reasons: 1. Checking for structural issues Structural weaknesses can cause collapses that may injure a person, but there’s also the possibility that the structural issue will be nearly
  4. First home buyers stay tuned...
    18 May, 2017
    First home buyers stay tuned...
    The Federal Budget is looming AND there are rumoured initiatives to help first home buyers (FHBs) into the property market. So if you – or your children – are potential FHB’s it might pay to stay tuned…. Housing affordability has been a hot topic as a barrier to entry into the Australian property market. Despite this, the younger generation ARE starting to enter the property market in a variety of ways – as singles, couples, rent investors, in co-ownership and also with help from family. So if
  5. Test your home loan knowledge!
    19 Apr, 2017
    Test your home loan knowledge!
    Take this quick quiz... How much do you know about YOUR home loan? Take this quick quiz (answer YES or NO).  Do you know: Your current interest rate? If your rate is fixed, variable or split between the two? The remaining term of your home loan? If you have a 'no frills' home loan or is it packaged with other finance products? If you have an offset account? If you have a redraw facility? If so, do you use it? If your loan attracts a break fee? How many times did you answer 'yes'? Research
    05 Apr, 2017
    Why low rates are making it harder than ever for first-home buyers...                                                                                                With low interest rates at historic lows, it seems like now is the time for first-time home buyers to make the leap into the property market. Surely low interest rates would help lower the burden of taking on a first mortgage, right?  Think again. Times of low interest rates tend to make it more difficult for first-time home buyers
    17 Mar, 2017
    What's the worst that could happen? An industry report has revealed Australia is highly underinsured compared to most developed nations – especially when it comes to income protection and life insurance. It is an ongoing problem that could affect many of us AND even more importantly - our families. The report shows: 95% of families don't have adequate insurance One in five families will be impacted by the death of a parent, serious accident or illness that leaves them unable to work The
  8. Should I refinance my home loan regularly?
    15 Mar, 2017
    Should I refinance my home loan regularly?
    It’s interesting that when our home or car insurance is due for renewal most of us invest time to shop around and check we’re still on a good deal. Yet we hesitate when it comes to reviewing our home loan! With the RBA cash rate at an all-time low and lenders continually offering new rates and loan products we are often asked by clients WHEN and WHY they should review their loan. Gone are the days when we stayed with the same loan or lender for the full 25 or 30 year term of a home loan – the
  9. Abolishing stamp duty for first home buyers!
    09 Mar, 2017
    Abolishing stamp duty for first home buyers!
    About this initiative From 1 July 2017, first home buyers purchasing properties valued below $600,000 will be exempt from paying stamp duty. Further, first home purchases valued between $600,000 and $750,000 will receive a concession applied on a sliding scale. It will be available for new and established home purchases. This initiative gives first home buyers across the state a helping hand, by substantially reducing the upfront cost of purchasing a home. How will it work? The exemption and

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