If you are one of the many Australians caught in a debt cycle it may seem impossible to break free and finally gain control over your finances. However, there are steps that can be taken, and with some commitment, you can break free from the debt cycle. Here we show you how. 1. Recognise you
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Buying a new home or investing in property is a big financial step in the life of the average Australian family. And if you are taking out a mortgage to finance the purchase, it is important to know that your family will be able to continue to make those mortgage repayments should you suddenly pass
Being casually employed can be a barrier for those wishing to purchase a home. Many lenders are unwilling to provide loans to those on a fluctuating income as they are perceived as a risk, however with some planning it is possible to break into the home loan market even if you are casually employed. What
A fixed rate loan is a loan that has an interest rate set for a specific period of time. The fixed rate period is typically 1, 3 or 5 years. Once the fixed rate period has expired, your loan will switch to the standard variable rate offered by your home loan provider, unless you enter
Lenders Mortgage Insurance (LMI) is a type of insurance that protects a lender against financial loss in the event that the borrower is unable to fulfil their home loan repayment obligations, resulting in the property being repossessed and sold. It is important to note that LMI covers the lender, not the borrower or their guarantor.
Are you thinking of purchasing a house but not sure how much deposit you need? Every home loan lender has different requirements, but as a general rule you will need…
Just like buying a house, making a will is an important step in planning your family’s future. While a will is not a legal requirement when buying a house, it does make a lot of sense to put one in place. Having a will ensures your assets are distributed to the person of your choice
Buying a new house is possibly the single largest investment you will ever make, so it is important to protect that investment with the right insurance. This guide explains the type of insurances available and if they are required when buying a house. Life Insurance Life Insurance is designed to help your family cope financially
If you are in the market for a home loan, you may be considering using a mortgage broker. In Australia, mortgage brokers write more than 50% of all home loans. So why are more Australians choosing to use a mortgage broker? In the article below we explore the pros and cons of using a mortgage broker for your next home loan.