Have you been confused by killer home loan jargon? The world of property finance has more that it’s fair share of home loan jargon. Perhaps this is to make us in the industry feel clever, I’m not sure, but it’s certainly very common. Consider this statement; “The current indicator rate for your loan is now 5.8%. […]
Investment property loan
Three ways to structure your investment property loan Thinking of purchasing an investment property? You may need an investment property loan. Here are three ways of structuring your loan; Cash Deposit- Most commonly applies if you don’t have equity in an existing property. Your only option is to pay cash for the deposit and purchase costs. In today’s […]
Divorce and the family home
Divorce and the family home-Who gets to keep it? According to a 2014 Australian Bureau of Statistics report, 46,498 divorces occurred in Australia including 1,009 in Tasmania. The average length of marriage was 12 years. Interestingly, whilst the average was 12 years, 37.5% of divorces happened within 2-8 years of marriage. As the length of marriage […]
Home Loan Redraw or Offset
Which is best a home loan redraw or offset account? Always an interesting question. The answer depends on how you want to run your home loan and associated cashflow and additional repayments. The specifics of a home loan redraw or offset account are as follows, Redraw-Most variable rate home loans and some fixed rate loans […]
Home Loan Pre Approval
Home Loan Pre Approval can give you the edge. In todays competitive loan and property market, having a home loan pre approval can help you succeed. Why? You know the limits of your borrowing capacity and maximum purchase price You will generate more interest from real estate agents if they know you have a home loan pre […]
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