What is the value of your contents? Room Major items to consider Replacement value General Items Carpets, Light fittings $ Master Bedroom Bed and other furniture, linen, clothes, shoes, small appliances, camera, luggage $ Bedroom 2 Bed and other furniture, linen, clothes, shoes, small appliances, toys, books, CD’s etc $ Bedroom 3 As bedroom 2 […]

You’ve found a property that ticks most of the boxes in your “what I want” list…now what else do you need to find out before taking a step towards making an offer or bidding at auction?

Life events such as unemployment, health issues, relationship separation and natural disasters can impact your ability to meet your home loan commitments. In such events you can ask your home loan provider for a hardship variation to change the terms of your loan.

Every lender has their own terms and conditions, and this is intended only as a general guide to understanding this topic. Contact us to discuss your individual circumstances. A construction loan operates slightly differently to a standard home loan. Construction funds from the loan are progressively drawn down at each stage of construction, as detailed […]

Most Australian states have their own First Home Buyers incentive programs.

Joint tenants, Tenants in common

There are so many things in life to think about these days! Insurance however is not always top of mind.

Stamp Duty
Conveyancing
Moving
Building or Contents insurance
Lender application fees
Building inspection, pest inspection and strata reports
Proportion of Rates/etc at settlement

A prospective buyer makes an offer to buy a property by signing a contract of sale. The offer is accepted when the seller signs the contract. A property is sold when both buyer and seller have signed the contract of sale.

A redraw loan enables you to make extra regular or one-off payments above your minimum monthly repayment. The redraw facility allows you to access those extra payments when you need them.