You’ve scrimped, you’ve saved, you’ve done the paperwork, and now comes the nervous wait – so exactly how long does it take to get a home loan approved? Whether you’re a first home buyer or a seasoned savvy investor, dealing with finance to purchase property can be frustrating, intimidating and can leave you with an […]
The First Home Loan Deposit Scheme, or FHLDS, is a scheme designed to get Aussies into their first home faster. But, with price caps expanded, what has changed? Buying your first property is also one of the first steps of building wealth, as the equity in the home will usually allow you the opportunity to […]
Banks have long treated finance for self-employed Australians with an extreme sense of caution, but the good news is that it’s not impossible to get approved. From freelance writers, to tradesmen and even lawyers, self-employment can provide a great deal of job flexibility and autonomy – after all, you’re the boss. However, prospective lenders tend […]
If you’re unsure where to start when it comes to teaching kids about money, the good news is that it’s as simple as introducing them via your day to day life. As a parent, it’s your job to educate your child about the way the world works. We teach our kids how to eat, how […]
While getting pre-approved sure is exciting stuff, there’s no bigger buzzkill than forgetting to budget for the home loan fees that come with a mortgage. With the ever-rising cost of living, saving for a home loan in this day and age can be tough – so it comes as no surprise that once a buyer finally gets […]
Debt and retirement aren’t terms that we like to think about together, but this period of your life requires a detailed game plan in order to fully enjoy it. In Australia, the average retirement age for people aged 45 years and over is 55.3 years – however, this is changing. When you narrow it down […]
While the technology that gave us “Tap And Go” has no doubt changed our spending habits, can using paypass affect owning a home? The answer isn’t that simple. In 2021, just about all new credit or debit cards will be issued with either Visa payWave or MasterCard PayPass. Also known as “Tap And Go”, it […]
On Monday 22 March and effective immediately, the Commonwealth Bank of Australia announced its lowest fixed rate ever released for home loans. The key updates released by CBA include – 20 bps reduction to 1.94% p.a. on new two year fixed rate home loans for owner occupiers paying principal and interest in the Wealth Package. […]
At some point, we all need a vacation – but we shouldn’t be going into the red for one, so here’s seven debt free holiday tips to keep your bank account happy. A break from the “real” world, cocktails, better weather, sleep-ins, exploring: it’s no wonder that the vast majority of us quite literally count […]
As an investor, making your mark on the Australian real estate market can be tough – so what is negative gearing, and how can you use it to your advantage? In order to understand what negative gearing is, first we have to wind it back to simpler terms. “Gearing” is a standalone term in the […]
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