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How to manage your debt

How to manage your debt

While a little bit of debt may not hurt, having a large amount of debt can be an overwhelming experience. Apart from hurting your credit score, a debt spiral can keep you from achieving your financial goals.

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What to consider when buying a second property

What to consider when buying a second property

Buying your own home remains the great Australian dream – and purchasing a second property may help you take your wealth further. Whether you’re building your property investment portfolio, buying a holiday house or…

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Exit costs when refinancing

Exit costs when refinancing

Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest…

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Dealing with troublesome tenants

Dealing with troublesome tenants

Most tenants are reliable, but if you’re a property investor, chances are you’ll encounter at least one bad renter. From failing to pay rent through to causing damage or conducting criminal activity, these tenants can harm your return on investment.

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Rules of investment

Rules of investment

When you’re trying to secure finance for an investment property, it’s important to keep a few simple rules in mind to make sure you get the best deal possible and will be able to afford the repayments, come what may. If you’re thinking about purchasing an investment property, it’s important to…

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What can you expect your property manager to do?

What can you expect your property manager to do?

A property manager’s role includes collecting rent, of course, but they also manage your relationship with the person who lives in your property, so it is important to find a property manager who will do the best job of keeping the tenants…

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Finance broker or bank?

Finance broker or bank?

While a bank will only offer you its own products, a credit adviser is an industry expert who will take the guesswork out of finding the mortgage product that suits you and your needs.

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Solicitors versus conveyancers

Solicitors versus conveyancers

The two are different, and it is important to have the right one on your team, in order to avoid paying too much while still getting the advice you need.

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Home loan health check

Home loan health check

Your finance broker can do a full home loan health check for you either in person or over the phone. They will check if your loan is still competitive and still suited to your individual needs.

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When to refinance

When to refinance

Heard about mortgage refinancing? In the past, most people who took out a mortgage doggedly continued with it until they had paid it off. These days, people refinance their mortgage much more frequently.

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Should you refinance

Should you refinance

Then credit advisers will have a look at the various loan options and figure out whether it’s worth it for the borrower to refinance. It’s not usually worth it if it’s only going to save a couple of hundred dollars a year…

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When is best to buy

When is best to buy

Buyers are probably best positioned to use the timing that works best for them and their budgets rather than waiting for a particular time of the season where conditions might be more or less favourable,” Lawless says.

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Low income investors

Low income investors

While you may not need a six-figure salary to invest in property, those who earn a relatively low income will require a little more creative thinking to start a…

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No deposit no worry

No deposit no worry

There can be a big difference between premiums paid if you have, for example, a 10 percent deposit saved compared with a five percent deposit, so it may well be worth trying to…

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Why use a finance broker?

Why use a finance broker?

The choices now available in the mortgage market can seem limitless and completely overwhelming. You can choose to research the subject, the lenders and their products yourself, or work with a finance broker…

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Finding the right loan

Finding the right loan

One of the benefits of working with a finance broker is the extensive menu of loan options they have at their fingertips. But given such a wide choice, how does your adviser narrow down the options to find the right…

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