More Than An Interest Rate
Finding the right loan is more than finding the cheapest interest rate, sometimes, looking only at the interest rate can cost you your dream home, for example…
Offset Accounts
If you don’t already have one, you might like to consider getting an Offset account. It’s is an easy way for you to save money on your Home Loan, and shave years off the 30 year term. (more…)
Have You Looked At Your Credit Card Statment Recently?
Have you looked at your credit card statement recently?
If you have you would have noticed there is a warning on your statement as part of the Australian Government requirement. This warning is showing you, based on your minimum repayment, how long you will be repaying your credit card for until the whole debit is repaid and how much interest you will have paid in total. And this is based on you never using the credit card again!
How Does My Credit Card Work?
I remember when I got my first Credit Card and my sister was explaining to me that I would get up to 55 days interest free when I make a purchase.
Your Dream Car Could Be Closer Than You Think
Late last year we needed a new car, we had a make do car that was starting to cost more than it was worth and we decided it was time to bite the bullet and purchase a new, reliable car.
Being in the finance industry I am used to writing loans and not being the customer, so this was a great experience for a change. (more…)
How to Improve my Credit Score
Your Credit Score tells a potential Bank or Lender what kind of borrower you are, so it is imperative, if you have a low Credit Score you look to increase it as best you can and here are some ways you can do that;
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How Long Does A Pre-approval Take?
I get asked a lot how long it takes to get a pre-approval, and unfortunately the answer is, how long is a piece of string?
Do I Need A Pre-approval?
Do you need a Pre-approval? the short answer… if you’re thinking about buying a property, regardless if it’s your first, second or tenth the answer is YES!
Debt Consolidation
It’s a new year and a new you. Now could be a great time for you to consider debt consolidation so you can leave your old debt behind.
What deposit do I need
When you’re thinking about getting your First Home, you need to consider two things;
- You have enough income to service your lifestyle, your current debts and the future loan repayments
- You have security for the loan, in addition to the property you’re purchasing – typically this is a cash deposit.