Educate Me

A homeowner’s guide to refinancing

With a home loan it’s easy to just ‘set and forget’. But it’s sensible to review your home loan every two to three years or so. We’re living in a world of rapid change, where interest rates can go up and down, new lenders emerge,…

Exit costs when refinancing

Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest rate and making the change. Before making the switch, we…

Should you manage your investment property?

While managing your own investment property can seem like a simple way to keep more of the rent flowing towards the mortgage, there’s a little more to it than making sure the house is standing and collecting the money. Managing your investment property appears pretty…

Preparing for settlement day

You’ve found your dream property, had your offer accepted, finance approved, and now there’s just one last yet very important milestone to achieve – settlement day. The anticipation has been building for weeks! Are you ready for the big day? Settlement day can be both…

Will buying a smaller investment property provide a good ROI?

A small property could potentially make a great investment, provided you choose the right one. The key to success with any investment property is thorough research. In this article, we take a look at how to research and choosing the right small space property to give…

The search for your dream home

Buying your first home or investment property can be an emotionally charged process just like planning for your next holiday. Getting caught up in the excitement and easily distracted by the more gripping things like fun activities and what bikini to pack all while forgetting…

Is it time for a home loan health check?

With a home loan, clients tend to just ‘set and forget’.  But it’s sensible to review your home loan every two to three years. Life happens and our circumstances are always changing where interest rates can go up and down, new lenders emerge and more…

Is it 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…

Easing financial pressures: loan deferrals, refinancing and more

When COVID-19 struck, banks gave eligible customers an option to pause their repayments for six months from March, due to the volatile economic climate. Hundreds of thousands of Aussies took up the offer. Home loan deferrals were due to end in September, but banks announced…

Home loan formal approval process and terminology explained

There’s nothing like being formally approved by a lender for a home loan. It’s your green light to buy the property you have your heart set on. Borrowers who have taken the necessary steps in the pre-application phase will be in a strong position to secure the…

Where are Australia’s most affordable homes?

Everyone wants a property bargain, right? Well, there’s a big difference between a bargain and a home that’s just cheap. For example, Andamooka in South Australia was declared Australia’s cheapest suburb in 2018 – the average house price is just $34,625. The reason why –…

Home Buyers Protection: which one is right for you?

2020 has been quite an eventful year so far… and unfortunately not for the right reasons. From the bushfires, the COVID-19 pandemic, and now the economic challenges, it’s been mentally and emotionally exhausting for many Australians. During challenging times, we all desire for the peace…

6 negotiation tactics for spring property buyers

Interest rates remain at a record low currently, and the property market is expected to heat up as we enter spring despite the economic challenges due to the pandemic. Listings are currently lower compared to last year, which means as a buyer there may be…

Spring Property Outlook 2020

Spring is almost upon us and ordinarily that would mean the busiest time of year in real estate. But 2020 has been far from ordinary due to the COVID-19 pandemic. While Australia’s property prices have held up relatively well amidst the coronavirus crisis, the longer-term…

HomeBuilder grant: What you need to know

If you’re looking to buy your first home, considering your next home or maybe looking to renovate, then you might be interested in learning more about the $25,000 HomeBuilder grant. The HomeBuilder scheme is a tax-free grant program that is designed to help eligible owner-occupier…