Just starting out in the property market? Interest rate terminology on your home loan can be hard to sift through. To understand what you’re agreeing to, it’s important to understand the basics about interest rates. What is an interest rate? When you are approved for a home loan, that loan balance accrues interest. The higher the interest… [Read More]
Reasons why you should refinance your home loan
Saving money and unlocking equity – those are two good reasons why you should consider refinancing your home loan. Before we start talking interest rates, it’s important to know if you can achieve one of these two things. Unlocking equity There are countless reasons why you might want to unlock equity in your home. These… [Read More]
What kinds of debt affects your home loan application?
If you are considering buying a house, you will likely need a home loan. If you already owe on previous advances, whether higher education debt, credit card debt, or personal loan debt, it could impact your home loan application. Australia has some of the highest household debt in the world. The average household debt is… [Read More]
Super fund changes that affect the housing market
Recent changes to superannuation funds may start to affect the housing market. Two such measures are the First Home Super Saver (FHSS) Scheme, and the downsizing contributions into superannuation funds. These changes were introduced by the Australian Government in the 2017-2018 Federal Budget. Here is a brief look at what these two super housing measures… [Read More]
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