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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 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 […]
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 […]
Building a new home – what you pay along the way…. Building is an exciting process! It’s easy to get lost in worrying about the process but don’t worry – let’s see what we can do to make this a little easier… Here are some of the things to allow for: When […]
Sometimes its just easy working with someone who knows your local area – a big sigh of relief! What a funny location Penrith is, such a diverse area with so many different people and properties! Its such a very big region and if you’re house hunting you already know that the prices are very different […]
Upfront I will say – rarely does it go so much to plan that our clients are completely unaware any issues at all, but that’s a post for another day on banks and big business mentality…. However, the art of mortgage broking is such that the client knows little of the drama and effort behind […]
Investing in a holiday home As the cool of winter sets in, thoughts of the beach may be far from your mind. However, winter is often a great time to look at buying a beach house or holiday home. There’s a lot to think about when purchasing a holiday home. Where should I buy? What […]
I’ve been asked to give some expert tips on how mums can start again buying property after a divorce or a separation or other major event, when they’re starting out alone and want to keep the property they are in or buy something to stat your new life in. What a whirlwind time it is […]
