What you CAN borrow vs what you SHOULD borrow?

The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation. Here’s how to do it. Understand your borrowing capacityGenerally speaking, your borrowing capacity – what you can borrow…
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Effective tips to help you get into your first home!

Looking to enter the property market and worried about how you’re going to secure your first home loan? It’s time to start making your money work for you so you can land that loan. Qualifying for a home loan isn’t always an easy path. Aggressive interest rates, competition in the market…
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Self-employed and wanting to get into your dream home? Here’s how!

Self-employed borrowers come up against the challenge of not being able to simply present payslips and tax returns to back up their loan applications. But this need not stop you buying your dream home. Many lenders offer loans for self-employed borrowers who can’t hand over payslips and employment records. This means…
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Is now the right time to buy a property?

I thought I’ll tackle a controversial question that I get asked a lot these days – “is now the right time to buy a property”? Now first of all let me take my broker hat off and put my investor hat on – because if you ask anyone working in real…
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The ins & outs of HomeBuilder grant

As part of the economic response to the COVID-19 pandemic, the federal government’s HomeBuilder program provides eligible owner-occupiers – including first home buyers – with a grant of $25,000 to build a new home or substantially renovate an existing home before the end of 2020. It can pay to check if…
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