Money Musings


Construction

Construction

The fine line between building a dream or creating a nightmare.

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Your Living Expenses and your Home Loan Application.

Your Living Expenses and your Home Loan Application.

With housing prices at their lowest, now is the time for first home owners to enter the home ownership world. However, with the royal commission recently coming down hard on banks, borrowers need to also consider more then just employment and savings.

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Banks and Honeymoons

Banks and Honeymoons

With many of the lenders reputations questionable at the moment due to the ongoing Royal Commission's finding, lenders are competing in the only way that they know how - interest rates. This results in an opportune event for you, the borrower - "honeymoon" rates.

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What the FHSS?!

What the FHSS?!

Calm down! I’m not swearing at you! Instead, I am talking about the little known savings scheme set up by the Government that you may not have been aware of.

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To offset, or not to offset...

To offset, or not to offset...

...that is the question. Well, likely the second question. The first is more than likely to be "What is an offset account?".

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Your Home Loan's visit to the Doctor.

Your Home Loan's visit to the Doctor.

What's your interest rate? How much are your fees? What extra benefits do you have? Struggling to answer these questions? It might be time for your mortgage to have a health check.

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Moving In...

Moving In...

Moving house whether it be from rental to rental or to your first home is exciting. As they say, change is as good as a holiday. We discuss the ways that make this sometimes tedious activity go a lot smoother.

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Moving from Approval to Moving In

Moving from Approval to Moving In

You have just received the call: your home loan is approved! All that hard work and sacrificing of smashed avocado on toast has been worth it. You are the proud owner of your own home… almost. Take a breath, for you now have to organise things for settlement.

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Why is my loan taking so long?

Why is my loan taking so long?

So, you have a friend whose home loan went through in the blink of an eye while yours is taking weeks. Feeling disheartened? Wondering what you have done wrong? We'll explain why the delays occur and why sometimes it seems like your day to open the front door of your new home is further away.

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Non-Conforming Lenders

Non-Conforming Lenders

Unfortunately, not all borrowers are created equally. With the big lenders cracking down on who they give their money, getting a home loan may seem impossible for some. But don’t give up hope if you are one of these people, for there are is another type of lender you can look at.

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