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Tag: loan repayment

Your Trusted Lending Advisor

How much are lenders passing on the June & July rate cuts?

A quick snapshot for everyone to show how much lenders are passing on the June & July RBA cash rate drop and when are they going to pass this onto their customers! Thinking about switching? Paying too much on your loan?Simply reach out to us today for a free 15 minute, obligation free discussion to see…
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Should you be getting an Interest Only loan?

New government regulations mean interest-only loans are on the decline. Given the changes, it may be time to reconsider your own loan repayment structure. Rewind a few years and many people would have confidently assured you that an interest-only loan – a home loan on which you only have to make interest payments for a…
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[3 min Wed finance series] How to get the most out of refinancing?

Everyone wants to pay less on their mortgage, and refinancing is one strategy to help lower your interest rates – but is it worth it? We take a look at how you can get the most out of refinancing.

[3 min Wed finance series] Understanding which home loan features are right for you

Loans are by no means ‘one size fits all.’ Different loan types suit different age groups, different living situations and even different attitudes to money.

[3 min Wed finance series] Confused about home loan pre-approvals? Follow these 4 steps!

Ready to buy a property? You’ll need to show the seller you have enough money. For most people, this will mean getting a loan, and the first step to getting one is obtaining pre-approval for it.

[Investment Strategy] How to develop optimal offer price and forecast cashflow using the cashflow calculator

I think as an investor a cashflow calculator is an absolute minimum tool to have. At the end of the day investing is all about using money to make money – but before you can make any equity you should understand how much the holding costs are per week, month or year in order to…
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[3 min Wed finance series] A case study – why you need access to many lenders

When experienced property investor Joe Blob agreed to buy a block of land, he didn’t expect the land’s mining-town location to make it difficult to secure finance. After failing to find a lender who could help him, he visited a mortgage broker who found just the right mortgage for his needs.

[3 min Wed finance series] Fixed, variable, split…which is the right fit for you?

In Australia, there are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage. Here is some information to help you choose the repayment structure that works best for you.

[3 min Wed finance series] Thinking to refinance in order to renovate? Here’s how!

Refinancing your assets to renovate a property is a significant decision that will hopefully improve your standard of living or add substantial value to your property.   Refinancing isn’t as straightforward as you might expect. The type of renovation proposed goes a long way to dictating the loan required. If the wrong loan is chosen,…
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[3 min Wed finance series] How an offset account could cut years off your loan

Looking for ways to pay off your mortgage in record time? Whether you’re a seasoned investor or buying your first home, an offset loan can help you reduce interest payments, save on tax and pay your mortgage off years ahead of schedule. What is an offset loan? With an offset loan (also called an offset account,…
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