We possess within us two minds. So far I have written only of the conscious mind. I would now like to introduce you to your second mind, the hidden and mysterious subconscious.
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It’s Federal Budget time, so let’s cut to the chase. What’s in it for aspiring homeowners looking to purchase a property in 2025? Here are some of the key takeaways that could affect you. Purchasing property Help to Buy scheme Labor plans to boost its…
The Reserve Bank of Australia (RBA) kept the cash rate on hold at its latest meeting, but it looks highly likely the RBA’s next move will be a cash rate cut after President Donald Trump’s sweeping tariffs on US imports sent shock waves through global markets. Meanwhile,…
Managing your home loan well can give you more flexibility and help you pay off your mortgage sooner. A redraw facility could be one way to reduce interest costs while still having access to extra funds when you need them. Here’s what you need to…
Millions of borrowers with a variable home loan have seen their interest rates drop in recent weeks after the Reserve Bank of Australia’s cash rate cut. The announcement was welcome news for those struggling with cost-of-living pressures. For someone with a $600,000 mortgage and 25…
The Reserve Bank of Australia (RBA) has cut the cash rate, and it seems likely there will be more cuts to come in 2025. All Big Four banks are anticipating at least two cuts this year and some say there may be up to five cash rate…
It was the news homeowners across the nation had been waiting to hear. The Reserve Bank of Australia (RBA) has cut the cash rate. The majority of new home loans in Australia in 2024 are variable – estimated at 98 percent – while only 2 percent are…
In a fast-moving property market, timing is everything. You may find your dream home before selling your current one, but without the right financial solution, you could miss out. That’s where a bridging loan can help. A bridging loan allows you to buy your next home before selling…
Did you know that seven out of 10 borrowers use a mortgage broker? During the June 2024 quarter, mortgage brokers wrote 73.7% of all new home loans in Australia – the second highest result on record. When it comes to refinancing, many borrowers choose to use…
The busy spring selling season has seen many aspiring homeowners out and about looking for the perfect property to snap up. Property prices continue to rise (up 0.3% nationally in October), but recently we’ve seen price growth slowing and the market cooling. If you’re planning…
Homeowners have been waiting with bated breath to see when the Reserve Bank of Australia (RBA) will cut the cash rate. It’s been on hold at 4.35% since November 2023. Some hoped a cash rate cut may come after the US Federal Reserve cut interest rates…
Applying for a home loan is both exciting and stressful. When you are successful, there’s nothing like receiving that green light from a lender to say you’re on the home run to securing your dream home. But it’s important to be aware that even if…
Spring has arrived, bringing a renewed sense of excitement in the property market. Whether you’re an agent looking to sell a few properties, a vendor wanting to offload a property, or a buyer hoping to snap up a bargain and start a new chapter in…
Inflation seems to be headed in the right direction, but Reserve Bank of Australia Governor Michele Bullock says a near-term cash rate cut isn’t on the cards. So, where does that leave homeowners wondering whether now is a good time to refinance? The decision as to…
With today’s cost-of-living pressures, it’s more important than ever to regularly review your home loan to see how it stacks up against others. Refinancing could allow you to find a more competitive mortgage and save you a lot of money over the course of your…
In the wake of 13 consecutive cash rate hikes through 2022 and 2023, many aspiring homeowners and current mortgage holders have been left feeling uncertain. You might be concerned about whether your dream of owning a home has been temporarily derailed. Perhaps you’re questioning how…