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If you’re self-employed or you own your own business, you’ll know all about the challenges of admin – keeping your accounts, finances and income flow all on track. It’s not easy. The last thing you need is a ‘no’ on your home loan application because of the paperwork. But here’s some good news. There are […]

Your finances can get a bit out of control sometimes, for all sorts of reasons. Illness, divorce, redundancy – sometimes, just getting overwhelmed with things to do and accidentally missing a bill payment. The end result can be that you get put in the bad credit basket. Even if you sort it out and pay […]

It might seem strange to be thinking about winter at the tail-end of summer’s heat but for home-owners keen to budget for the improvements needed to get your home ready to face the impending winter chill, it makes sense to be prepared. With increases in energy prices always in the headlines, a growing number of […]

With some of Australia’s leading cities showing a decline in property markets, it is a positive opportunity for savvy investors to jump in and take advantage of lower than normal property prices – that’s if you can meet the loan approval requirements to get your mortgage application over the line. The fact is that many […]

At first glance, people reading the news about mortgage brokers in this post-Royal Commission climate could assume that mortgage brokers are the bad guys in a Robin Hood-esque scenario that has pitted financial institutions against the average Australian. But it’s important to dig a little deeper and examine where the real issues lay. Although it […]

When you compare the previous record highs of the local property market, it’s clear that Australian house prices are declining but what you may not have realised is that, according to experts in the real estate and credit agency industry, that decline may equate to the world’s biggest fall in real estate prices. According to […]

Creating a beautiful garden takes planning and time. But patience is always rewarded and by creating an impressive garden, you can add real value to your property – for life. Shape up By cutting a clearly defined shape, you give structure and street appeal to your garden. Look at what suits the style of your […]

According to a recent survey from Roy Morgan’s research institute, almost one million Australians have direct experience with mortgage stress. The staggering figure represents around 20% of mortgage holders. The results of the survey are based on Roy Morgan’s interviews with 10,000 owner-occupier borrowers, and although they do reveal mortgage stress has decreased since this […]

If you’re one of those people who think popping money into a Christmas card is too crass, you’re definitely not alone. But, recent figures that show Australians spent around $148 million in wasted gift cards during 2017 – an alarming revelation that is good motivation to think more carefully about how you give and receive […]

As the local property market continues to evolve and fluctuate, the question about whether investors should stay or go is a sensible one to consider. If you believed everything you read in the media, recent coverage might lead you to think that the property bubble is bursting and that we are facing a downhill turn […]