Should I rent or buy?
With so many complexities, grants, schemes and information out there, it’s no wonder the decision to rent or buy can feel so hard and conflicting. 3 things to consider when it comes to buying vs renting. Flexibility. Want to live by the beach? Big kid gap year on the horizon? Once you have a mortgage […]
Buying a property with family or friends
If you’re looking for a creative way to overcome being locked out of the property market by rising prices, buying a house with a group of family or friends may be a solution. It can also be a minefield though, so here’s how to avoid a blast! While the excitement of banding together in such […]
Why Property Investors Need Savings
Don’t Be Caught Off Guard: Savings are a Savvy Investor’s Secret Weapon Being a property investor in the Australian market can be incredibly rewarding, but it’s important to remember – unexpected events happen. That’s why having a healthy savings buffer is crucial for navigating the inevitable bumps in the road. Imagine this – your rental […]
What is Near Prime Lending
What is Near Prime Lending? Lending criteria’s are getting tougher and borrowing capacity has been reduced, making it even more tricker for customers whose circumstances don’t fit a ‘vanilla’ prime-customer profile to borrow. So, how do these types of customers who fall outside the “prime-borrower” target market of banks gain access to the finance they […]
Who is involved in a property purchase?
Buying a property is more complex than most other purchases you’ll ever make in your life. Here are the different parties who may be involved in your home-buying process and how you can leverage their valuable experience and knowledge. Mortgage broker Brokers act as a liaison between you and the lender. They will find out […]
Home Loan Health Check
When was your last home loan health check? Circumstances can change, leaving your home loan less suitable than it was originally. A home loan health check can reveal if you’re paying too much. What’s involved? Your finance broker can do a full home loan health check for you either in person or over the phone. […]
Capital Gains Tax
Capital Gains Tax What is Capitals Gains Tax? Capital Gains Tax (CGT) is tax that you are required to pay on any capital gain earned on the sale of an asset, such as a property, that you bought on or after 20 September 1985. In other words, it’s the profit that you make when your […]