inovayt
inovayt
inovayt
  1. Home
  2.   ➔  
  3. home buyer

home buyer

What’s Ahead for Melbourne House Prices

Over the past couple of years, Australian house prices – and Melbourne house prices especially – skyrocketed due to the increased demand and lacking supply of properties. With an interest rate rise on the horizon, house prices are likely to change again, leaving those looking to buy questioning whether now is the right time. Here is what we’re expecting the property market in Melbourne to look like this year and how you can get into the market. The good Property prices rose in every Australian capital city in the last quarter. In Melbourne, they rose by 3.9 per cent. The … Read more

When is the Best Time to Buy Property?

Breaking into the housing market may feel next to impossible as house prices soar. With no sign of the boom slowing, many may be wondering when the best time to buy property is, if it exists at all! While some may be holding out in the hope that prices will soon drop, others are taking a different approach and buying a place to satisfy their fear of missing out. So, is it worth waiting for a ‘good’ time to buy, or should you be putting in offers all year round? We’re here to help. When is the best time, seasonally? … Read more

Common Home Loan Application Mistakes to Avoid

Whether you’re a first-time homebuyer or an experienced investor, there are several home loan application mistakes that can be made by anyone. Understanding these mistakes, and how to avoid them, will give you the best possible chance at having your loan application approved by a lender. Here are a few of the most common home loan application mistakes and how you can avoid them. Bidding at auction without preapproval The mistake One of the biggest mistakes you can make as a homebuyer is thinking with your heart and not your head. Going to an auction and bidding without having preapproval … Read more

New home owners

What is a Vendor’s Advocate?

Selling your home is a stressful time – corresponding with real estate agents, preparing your home for inspections, and navigating through a changing market can all be overwhelming. Enlisting the assistance of a vendor’s advocate to help you through this time can be a way to reduce some of your stress, as well as help you get the best price possible for your home. While they can help take a huge weight off your shoulders when it comes to the selling process, there are some things you need to be cautious of when finding the perfect vendor’s advocate for you. … Read more

Buying property in lockdown

Buying Property in Lockdown – Your Go-To Guide

Buying property is such an exciting time in anyone’s life. Going to inspections, planning out the layouts of your future rooms and picturing yourself in the garden are all fantasies we have when it comes to house hunting. Unfortunately, a lot of these dreams have been thrown into disarray as sporadic lockdowns have shut down the real estate industry in parts of the country. With restrictions on real estate in parts of the country like Sydney and Melbourne, some may be forced to put their house hunting on the back burner until they can start inspecting again. However, other buyers … Read more

sell or hold

Should You Sell or Hold? A Case Study

Many second-home buyers who may feel as though they have outgrown their current property are faced with this conundrum. Do I sell my current home and cash out or do I hold my current property and turn it into an investment? Whether you should buy or hold comes down to both personal and financial circumstances. These are the items you will need to discuss with a mortgage professional in advance before being able to make a clear decision. Borrowing Capacity – if you need to upgrade your owner-occupied property for a larger place, generally you need to spend more so … Read more

Using a Guarantor to Purchase a Home

If you’re looking to get into the market but struggling to save the full 20% deposit, you can ask someone to be a guarantor on your home loan. A guarantor is a third party, typically a parent who agrees to repay a loan if you can’t; this includes any additional fees, charges and interest. Offering additional security as support, a guarantor makes it more accessible for first home buyers to take their first step on the property ladder. However, using a guarantor to purchase a home does not come without risks. Let’s have a closer look at some of the … Read more

APRA_changes

Unpacking the APRA Changes

Last week, the Australian Prudential Regulation Authority (APRA) confirmed it would scrap a rule that has seen new mortgage customers assessed on their ability to manage repayments with 7.25 per cent interest rates. APRA advised that instead of that interest rate “floor,” it would require banks to test if customers could manage repayments with rates at least 2.5 percentage points above a loan’s current rate. What do these APRA changes mean for you? These changes mean that some financial institutions have greater flexibility to set their own serviceability limits, while still maintaining detailed application processes and considering additional individual risk … Read more

We offer financial solutions as individual as you.

Book a free meeting
Scroll to Top
inovayt

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
page
Filter by Categories
Asset Finance Broker
Ben Robinson
Brisbane
Cadeyn Williams
Car & Equipment Team
Chloe Thomas
Chris Brock
Chris Thompson
Commercial
Commercial Broker Brisbane
Commercial Broker Melbourne
Commercial Broker Newcastle
Commercial Team
Daniel Trajkoski
Dimitri Taylor
Duane Hunnam
Finance
Finance Team
Financial Advisor Brisbane
Financial Advisor Melbourne
Financial Advisor Newcastle
First Home Buyer
Gold Coast
Hai Nguyen
James Christie
James Rae
Jason Pogorelec
Jordan Morieson
Justin Coughlin
Jye Borg
Kathy Stammers
Lambros Tsoumaris
Luke Mase
Luke Saltmarsh
Management Team
Margaret Wilcock
Martin Vidakovic
Melbourne
Monica Tudjman
Mortgage
Mortgage Broker Brisbane
Mortgage Broker Melbourne
Mortgage Broker Newcastle
Nathan Anderson
Newcastle
Nick Ball
Nick Rabba
Nick Reilly
Noelle Deieso
Renee Kiley
Reuben Way
Tony Stewart
Uncategorized
Vince Camuglia
Wealth
Wealth Team