Goal-setting When it comes to setting achievable financial goals, they need to be realistic, practical and relevant to your lifestyle. Making a decision to invest in a property that’s negatively geared might seem like a positive option but if your income is low and your tax savings are negligible, the truth is that there are […]

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If you’re considering improving your property with some renovations, you’ll be facing a big decision about whether you should stay or go. There are pros and cons for both options and, depending on the scope of your planned renovation, and your available renovation budget, it’s important to understand the potential benefits and pitfalls of each […]

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All the major banks have a standard set of rules they use to decide if a loan application is acceptable, or not. A ‘non-conforming’ home loan is simply a term used for home loans designed for people that don’t fit those rules. Loans like these can also be called ‘specialist’ or ‘alternative’ loans (alt doc). […]

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If you’ve decided it’s time to upgrade to a bigger home,  or a better location, or even if you simply want more outdoor space so the kids can run around (and get off those pesky devices!), buying your next home can seem daunting…but it doesn’t need to feel that way. Other reasons to start worrying […]

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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 […]

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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 […]

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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 […]

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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 […]

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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 […]

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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 […]

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