Buying a property together is a major relationship milestone. It’s right up there with opening a joint bank account, getting married, and even surviving your first major disagreement. It’s understandable that such a big milestone – and investment – can … read more
Acquiring a home loan higher than 80% of the asking price is already a difficult task.
Loan to Value Ratio (LVR)
Most lenders use LVR to determine how much risk they are taking on if they decide to give you … read more
Fuelled by rising house prices and low interest rates, the level of personal debt in Australia is relatively high compared to many other countries.i
The largest proportion of this debt is often used to purchase a valuable asset – … read more
With the Royal Commission and recent changes to lending practices it’s more important than ever to understand your credit score and borrowing capacity.
Understand your credit score
Some of the nation’s largest financial institutions have all started collecting customers’ positive … read more
Although marriage, mortgage, and young children may have characterised your 30s, your 40s often feature growing responsibilities and ever-competing priorities. Your parents are older, your mortgage is still on foot, children’s education costs are growing, and though retirement may seem … read more
Imagine feeling financially protected, well here are the 10 things I can help you with:
- Manage your cash flow
It’s a simple statement to say that you’ll never get ahead if you spend more than you earn, yet in many … read more
Buying a house is probably the biggest financial commitment you’ll ever make; you don’t want to make it without planning thoroughly. So let’s talk about budget.
Unless you’ve got major plans like owning a large business or something of that … read more
Once you decide you need a home loan to fully finance your real estate purchase, it’s easy to get overwhelmed by all the options you see in front of you. How much of the price of your home will you … read more
By investing in property, you can add to your portfolio with a commodity that’s stable and likely to increase in value. But can you afford to act now?
For many Australians who have the means, investing in property is a … read more