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One of the key criteria to buying a home is to have a deposit & enough money to cover your stamp duty and legal fees, if you already own a property hopefully there’s enough equity to draw upon to cover your new purchase, or, perhaps you’re considering selling to release the equity that way. […]
I’ve written about this recently for Proadviser, and I thought I would add to the conversation over here. Property valuations are one of the trickiest aspects of my job, in that they can cause the most grief. A poor valuation can ‘kill a deal’ meaning you can’t do what you wanted to do. […]
A question that’s coming up a lot lately – if you are a first home buyer and you have a personal loan (or another debt) should you pay that off first or save for a deposit first? Lets look at this: Conventional wisdom says avoid paying interest and get rid of that loan first […]
I have been asked to take a look at what options exist for mums who find themselves starting again in life. Most particularly newly separated mums although it applies to everyone buying property – and I’m extraordinarily proud of all of the women I have helped buy property on their own. Its a curious fact – and one I […]
Alright we all need the banks – without them we couldn’t borrow any money, we wouldn’t be able to live in our beautiful homes, and remember those days when you had to carry cash, everywhere? So we won’t pick on them too much but there is an unavoidable fact – they’re mostly not looking to make […]
OK, scandalous headline – sorry about that, but there’s some truth in it I’m afraid. Credit cards are a brilliant tool if used effectively – I love them, I accumulate points like a madwoman with the aim of one day going somewhere fabulous. Tropical I think. I use my card for everything possible then pay […]
The thing about buying your first home is you don’t know what you you’re doing, it’s such a foreign world! You don’t even know what you don’t know! You don’t know where to start. And you don’t want your loan to be declined, that’s for sure! You need a true advocate – someone to guide you […]
I just responded this exact question on a forum – and while the answer is simple: 1 Get a good economic interest rate and reasonable fees (if any) 2 put as much money into the loan (or offset account) as soon as you can 3 and leave it there!! It’s also really complex! The poster writes: “I was […]
I’ve spent a bit of time looking at affordability lately: How the bank works out what you can afford Making the most of your income for self employeds and I even wrote this post for Proadvisor website on the perilous impact of credit cards But at the end of the day – what the […]
When you are self employed you enjoy the freedom of working your own hours (often far more and at the strangest time of the day), directing your own life and creating an income and an asset at the same time. You’re also savvy and you use the resources available to you to your best advantage […]
