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Archive | Refinance

What’s your property really worth?

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. […]

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57 years to pay off those jeans and dinners out

The consolidation question – when consolidating your debts makes sense – and when it doesn’t

One smaller repayment sounds brilliant, but beware the pitfalls of consolidating your debts into your home loan, for you may forever be paying off that big weekend away from last month (or worse still that cute pair of heels).   Juggling a variety of repayments to cover your credit cards, personal loan, car loan and […]

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Your own bank, sadly, is not likely to give you the best deal on your home loan

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 […]

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Got an urge to renovate?

An interesting article out today says people are shying away from renovating their home because of being unsure how to finance it and bring it all together. (source: The Advisor If this is you and you’re living in a tired old box you hate STOP! We’re here to help! Sure, its less straight forward than a […]

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Borrowing capacity, the complete low down

We call it the three C’s of lending, the tests by which it is determined if you can borrow money, and if so – how much: Character Capacity Collateral   Let’s look at Capacity. Online borrowing calculators will give you a very standard result as to what the bank might look at lending you – nothing […]

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A quick (fun) look at how an offset account works!!

An offset account works by putting your main bank account (or a special savings account, the choice of purpose is yours) to work saving you interest. That’s right, every last dollar is always saving you interest and always available to you too! And here’s a kind of quirky look at how it does it: If you would […]

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