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.
Phone: + 1-888-1554-456-123
Email: themesupport@gmail.com
Fax: +63 918 4084 694
Are you planning to purchase your first home or investment property? It’s an exciting time and nothing compares to the feeling of holding the keys to your very own property in your hand. If you’re new to buying property, here’s how the home loan application…
Spring is just around the corner and that means the busiest period for the real estate industry is almost here. So, what’s been happening in the property world of late? The Reserve Bank of Australia (RBA) left the cash rate on hold again this month…
Are you considering refinancing? You’re not alone. According to the Australian Bureau of Statistics, the value of external refinancing in May 2023 in seasonally adjusted terms rose 8.1% to $21.0b and was 22.4% higher compared to a year ago. Indeed, the series of cash rate hikes…
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. Since the introduction of the…
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 navigate the…
Do you know how much you owe on your HECS-HELP debt? While student HECS and HELP loans in Australia are interest-free, they are indexed every financial year based on a cost of living index. The recent outbreak of high inflation means millions of Australians with…
There’s no doubt about it. Buying sight unseen – that is, purchasing a property without viewing it in person – can be risky. What if it has a strange smell when you finally do enter the property? What if it’s a little darker than how…
Understanding all the different parties involved in buying a property can be a minefield. The real estate agent. The building and pest inspectors. The mortgage broker (hi there!). The buyer’s agent. The auctioneer. Well, here’s another one to add to the list – the conveyancer….
Buying a car will likely be easier this year as demand and pandemic-driven pressures ease. After three years of unprecedented disruptions and supply chain issues, the domestic car market is expected to shift into a state of relative stability. So is now the right time…
When you find a property you want to purchase, there are a lot of things to consider – from building inspections and pest reports to securing a loan. One other very important thing to consider is the valuation, particularly if you’re going to buy at…
The festive season is a time for giving. But unfortunately, it’s also the time of year when generous shoppers are targeted by scammers. According to the ACCC’s Scamwatch, scams have cost Australians nearly half a billion dollars so far this year – already $150 million…
The new year is when many of us hit the reset button. It’s a chance to reflect on the past 12 months, reassess priorities and set new goals. If you’re looking to create some better financial habits in 2023, here’s some techniques to help you…
New year, new home? If next year is the year you plan to get into the property market, there are a few things you can do to help you reach your home ownership goals. Here are five things to consider to make your property search….
Household budgets are feeling the pinch of yet another rate rise. The Reserve Bank of Australia (RBA) increased the cash rate to 2.6 per cent, prompting some lenders to increase their variable rates by 0.25 percentage points. Meanwhile, home values continued to fall across much…
If you are buying your first home, getting your head around home loan terminology can be tricky. Two acronyms you may come across are loan-to-value ratios (LVR) and debt-to-income ratios (DTI). Recently there have been important changes to DTI ratios that could affect your borrowing…