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rising interest rates

How Do Rising Interest Rates Impact Your Borrowing Capacity?

Rising interest rates have struck again in 2022. For the second time in 35 days, the RBA has raised the interest rate, throwing homeowners and potential buyers alike into a frenzy. This rate means current mortgage repayments are about to increase, which may come as a shock, especially for recent first home buyers. After dealing with a hot property market over the past few years, those looking to buy their first home are now being forced to re-evaluate their loan applications as their borrowing power is impacted. So, how do rising interest rates impact your borrowing capacity? Here is everything … Read more

interest rates rise

Rates on the Rise: Is Now the Right Time to Fix Your Rate?

The cost of living is rapidly climbing, while the national wage growth struggles to keep up. As a result, purse strings are tightening, and budgets are being readjusted to accommodate this new reality. If you’re wondering whether now is the right time to fix your rate, you’re not alone. With rates on the rise, consumers are looking for areas to reduce their spending and locking in their interest rates can be one way to do it. If you’re considering whether you should fix your rate or change it to a variable, keep reading for more information. Fixed vs variable – … Read more

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

How a Mortgage Broker Simplifies the Home Loan Process

Whether it’s your first home or your next home, enlisting the help of a mortgage broker can help you get into the property market – and your new home – faster. Many of us will look straight to our current banking provider when looking for a home loan as we feel it’s more convenient to have our money in one place. However, having assistance from a mortgage broker not only ensures you’re getting the best deal but also makes the home buying process a lot quicker and easier. Still unsure whether a mortgage broker is the best choice? Let us … Read more

The Hidden Costs of Living Alone

Living alone can be an invigorating feeling. Being able to do what you like whenever you like, while simultaneously feeling you’ve hit the height of being a fully-fledged adult. No matter how long you’ve lived alone, we’re sure you’ve had some hidden costs that took you by surprise. This could be anything from the water bill to council rates and everything in between. Before choosing to live on your own, here are some of the hidden costs to be aware of. Ongoing costs: Ongoing costs when you’re living alone are the recurring fees it takes to continue managing your home. … Read more

What to Consider When Buying a House with Your Partner

Buying a house on your own is exciting but buying a home with your partner is an entirely different situation. When buying solo, you only have yourself to consider – throw a partner into the mix and you have two lots of competing opinions. From joint bank accounts to deposits, house location and style, taking this next big step in your relationship is a big decision. Here are some things to discuss when it comes to buying a house with your partner. Are you ready to take this step in your relationship? No doubt you’ve spoken about this at length, … Read more

what is lenders mortgage insurance

Everything you Need to Know About Lenders Mortgage Insurance

Buying a house is a big investment. Saving for a deposit can take many years. Lenders mortgage insurance (LMI) is an option for those who want to get into the market sooner but don’t have the full 20 per cent deposit saved. LMI protects the lender in the event you default on your mortgage repayments. Many aspects make up LMI, as well as key considerations to keep in mind when choosing whether to pay LMI or save for a larger deposit to avoid paying it. What is lenders mortgage insurance? Lenders mortgage insurance is a one-off, non-refundable, non-transferrable premium that’s … Read more

Will Your HECS Debt Affect Your Ability to Get a Home Loan?

In Australia, we’re fortunate enough to have options when it comes to paying for tertiary education. Unlike in other countries, upfront fees are not always required. You can opt to take on a HECS (Higher Education Contribution Scheme) debt whereby you pay off your fees gradually. This debt varies depending on the course and university you attended, as well as how much you earn. Many of us may wonder whether our HECS debt hinders our ability to get a home loan. HECS debts and home loans It’s a dream for many Australians to purchase their own homes. With the market … Read more

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