3 Ways to Fund your Dream Renovation

Are you getting motivated by this season of the Block? Do you want to jump on the renovation band wagon but have no idea how you can afford it? Here’s a couple of ways to finance your dream renovation and convert your old pad ...

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Tax time tips

It’s that time of the year again when we start getting our tax affairs in order and if you’re smart about it you can look forward to a tax refund. To get the most out of this time of the year I strongly ...

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How to pick a Home Loan?

For most of the last decade I used to work for banks with the main goal of increasing their profitability. I apologise up front for that. Now that the shoe is on the other foot I have learnt a few things to help you pick ...

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Why Donald Trump messed it up for everyone?

You may have seen coverage in the media over the past few weeks talking about Australian banks increasing interest rates. What you might not know is where this stemmed from given there hasn’t been a dramatic turnaround in the Australian economy to really warrant ...

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Tips for a better property valuation

A property valuation can really make or break your ability to get a home loan with lower valuations having devastating impacts on your ability to refinance to a cheaper rate, fund the purchase of a new home or in some rare cases limit your ability ...

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Top Home Loan Picks for Refinancing

Some guidance if you’re in the market for a new home loan. It’s pretty hard to escape news about refinancing for a better interest rate at the moment. Not only are we bombarded on social media by banks and mortgage brokers (apologies but ...

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ING 3 Year Combo Rate Loan Review

So the latest and greatest from our friends at ING. The 3 year combo rate home loan. Don’t let the name confuse you it’s basically a fixed and variable rate loan split with a seriously cheap price. In layman’s terms you get access ...

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Fixed Rate Home Loan Review

So you are looking to make a change but are bombarded with home loan choices. Lets see if we can help you with a 2 year fixed rate home loan review. We looked at most of the 2 year fixed rates around town for someone borrowing $350,000. We ...

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What does the interest rate change mean for you?

Today the 2nd of August 2016 the Reserve Bank of Australia announced a reduction in official interest rates by 0.25% to a record low of 1.50%. But what does it mean for the ordinary person out there with a home loan? For about 80% of the people in the ...

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Home Loan Types Explained

While Banks spend millions of dollars annually on marketing campaigns the reality is that there are really only a few home loan types that are just painted with different colours and are priced differently. Let’s explore them. Variable rate loans The interest rates attached ...

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Home Loan Features Explained

Ever wondered what all those home loan features actually mean. Hopefully we can make life a little easier with an explanation of the most common ones. Offset Accounts This is a transaction account linked to your home loan that helps reduce your interest repayments. Banks ...

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The real cost of refinancing

How much are Refinancing Costs? Let’s get started by understanding what this refinancing stuff is all about. Basically, it is shifting your home loan from one bank to another with the goal of saving on interest payments. Unless you have been living under a ...

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Bolt Ons, Balloons and Repayments

A few tips on getting a Car Loan While this article tends to assume the worst in salesman there are plenty of car yards and finance brokers out there that will look after you and have your best interests at heart. Just make sure you ...

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More than meets the eyes. Are lower interest rates actually cheap?

Did you know that one of the largest trigger points for people either getting a home loan or refinancing is an interest rate advert. You know the ones. You’ll see them on TV, online or in shop windows and you’ll probably have that “...

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Demystifying First Home Owner Duties and Grants

I have recently met with a few first home buyers and the amount of information they are greeted with is pretty overwhelming and can take the shine off the whole experience. Below are some key facts about Western Australian stamp duty concessions for first home ...

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Does size count?

Finding a deposit for your first home I remember shopping for my first home. It was pretty daunting to say the least and for an experience that is supposed to be exciting and fun it does have its drawbacks. Not only do you have to ...

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3 tips to get rid of your home loan ASAP

Like many Australians I understand the cost associated with paying off a home loan. It’s not small by any means, so let’s not pay the banks any more money than necessary. For many of us making some quick and easy changes could help ...

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We care about the cost of a Coffee but not the cost of our Mortgage

I have worked in lots of different areas within banking over my career and have a solid understanding of how the banks make money or to put it another way take money. I take it for granted and assume everyone realises that banks often rely ...

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Welcome Blog

Well we have finally made it……its funny we used to sit in our old jobs and talk about this company and this moment and it seems crazy that for us this dream has become a reality. We are honestly so excited and cannot wait ...

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