Applying for a home loan can be a confronting experience, whether you’re a first-time buyer or even if you’ve purchased before. There are a lot of moving parts and the very real prospect that your loan can be rejected if there are errors in your application. As mortgage brokers, we help clients navigate the labyrinth…
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The big four banks are all now predicting the cash rate will start rising as early as June with some economists predicting the official rate could go as high as 3% over the next few years. The cash rate is a number the Reserve Bank of Australia sets that indicates the interest that banks or…
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A softening in real estate prices amid speculation of an imminent interest rate rise has caused property listings to fall according to Ray White Chief Economist, Nerida Conisbee. A total 11,000 fewer homes were for sale in the March quarter than in the corresponding period last year. “Sellers are no longer so keen to go…
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Industry experts are forecasting a slowdown in house sales and the number of properties coming onto the market across the six-week federal election campaign, in which housing affordability and rent prices are becoming hot topics. History shows Australians are usually reluctant to sell or rent during a campaign, but their confidence in the market remains…
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Updated laws designed to help owners downsize from their family homes are now in place, which may make it easier and more affordable to plan your retirement. From a mortgage broker’s perspective, the scheme appears worthy of consideration because it’s designed to bolster your savings by minimising tax. You may want to talk to your…
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More Australians than ever are using a mortgage broker to help them navigate the wide variety of home loans on the market today. If you’re buying for the first time or refinancing and have never used a broker, you’re probably asking yourself whether you need any help. It’s simple enough to apply for a loan.…
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A new law designed to help first-home buyers has come into force recently. First-time buyers will now be able to increase their savings in the Federal Government’s First Home Super Saver Scheme from $30,000 to $50,000. Almost 27,000 Australians have been using the scheme, which allows them to make voluntary contributions to their super that…
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With the market stronger than ever, there’s never been a better time for buyers to learn the basics of assessing a property’s price before making an offer or attending an auction. Valuation is not a perfect science. You can never tell in a booming market when an auction will perform to expectation or go stellar…
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One of the challenges with preparing your home before a sale is the essential declutter designed to help give prospective buyers the best possible impression of your property. Nothing impacts on a buyer’s perception of room size more than clutter. Not only is it unsightly, it leaves buyers with the impression the room isn’t big…
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Finding asbestos can be a distressing experience when you renovate or buy given its well-documented history as a toxic material. Asbestos is a natural substance of thin fibrous crystals that if inhaled attacks the lungs, causing them to stiffen with deadly consequences. You might find asbestos in any pre-1990 home, as the material was used…
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