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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If you’re planning to build your own home, a construction loan could help finance your project. Unlike standard home loans, construction loans provide funds progressively in stages as your new home is built. Here are a few of the key points you should consider. A…
Negative gearing is a popular investment strategy in Australia, but it’s also a term that often comes up in the media, particularly when there’s an election looming, like right now. Let’s take a look at what it means, what capital gains tax (CGT) is and…
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…
Renovating can be a great way to add value to your property, improve your living space, or boost your rental return. But before you start knocking down walls, there are a few key things to consider. A renovation can quickly turn from a smart investment…
The Reserve Bank of Australia (RBA) has cut the cash rate and interest rates have come down. So, is now a good time to buy property? The answer depends on your unique circumstances and goals. But generally speaking, it’s always best to get a leg…
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…
When purchasing a property, particularly an apartment, townhouse, or unit, it’s important to consider the ongoing costs beyond your mortgage repayments. One of these key expenses is strata fees, which help cover the maintenance and management of shared spaces within the complex. If you’re planning to…
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…
In recent months, we’ve seen a definite shift in the property market. It’s left one question on many aspiring property owners’ lips: Has the property market peaked? If you’re looking to make the most of falling interest rates and buy a home or an investment…
As the new year begins and the daily grind resumes, many Australians are dreaming of swapping city life for the charm of the coast. What was once primarily about lifestyle is now a practical choice for many. But before packing your bags for the coast,…
The new year is all about fresh starts. With 2025 fast approaching, it’s the perfect time to reflect on your finances and take steps to set yourself up for success. The holiday season may bring extra expenses, but it’s also an opportunity to start building…
Can you believe the year is almost over? With the end of 2024 fast approaching, it’s time to take a look at the highlights reel of what happened in the property world this year and what’s in store for 2025. Reflecting on 2024 Interest rates…
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…
Amid cost-of-living pressures and mortgage repayment stress, there has been some good news for homeowners. Property prices have continued to rise for months on end across the nation. In October, data from CoreLogic showed property values increased by 0.3% nationally. It was the 21st consecutive month of…
When you’re new to buying property, choosing a home loan can be overwhelming. There are dozens of different lenders out there all offering different types of mortgages. So, which is right for you? A mortgage broker can help you select the right home loan, based…