Category: Owner occupiers
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Understanding your borrowing capacity
The amount you can borrow versus what you should borrow Understanding your borrowing capacity is a key element in taking out a loan. And the amount you can borrow and
Understanding construction loans
Understanding how a construction loan works What makes construction lending different? The difference between a construction loan and a standard home loan is that instead of a lump sum payment
Using debt effectively
Using debt effectively The foundation of using debt effectively is understanding the difference between inefficient debt and efficient debt. From that basis, assuming these are used in conjunction with a
First Home Buyer – Impact of stamp duty concessions
Buying a first home isn’t an easy endeavour and brings with it many challenges. Saving a deposit is the main impediment, followed by stamp duty costs and in more recent
NSW State Government announces housing affordability package
The NSW government has announced a series of housing affordability initiatives designed to assist first home buyers enter the market including stamp duty relief and taxing foreign investors. The measures
You’ve won the auction – what happens next?
Congratulations! You’ve just bought a property at auction. Before you can move in, there are some things you need to do. Sale contract and deposit There’s no cooling-off period when you
Smart refinancing strategies
Smart refinancing strategies A home loan isn’t just a debt, it can also be a financial tool that can be used to build wealth and when managed properly to facilitate
Your essential guide to property research
When you’re buying a property, property research is the key to success. From making the initial decision about how much you can afford to spend, right down to locating the
