Once you have building insurance in place, ask your insurer to provide you with a building insurance certificate of currency. You will need to send this certificate of currency back to your lender, together with your completed mortgage offer documents.

Head over heart is a major dilemma when it comes to house hunting.

Buying a home can be a very emotional process but it is also important to keep those emotions in check to make the most rational decision possible

Work out how much ‘cash’ you need each pay period ($A).

Get your payroll department to deposit $A into your bank account and the balance into your Home Loan.

Pay as many bills as possible by credit card.

Redraw from your loan to pay your credit card and other bills as required.

This is a question asked by many expectant mothers, so we have some great tips to help you through this challenging financial period

When buying, refinancing or selling property, the more knowledge that you have about the local property market, the better informed your buying or selling decisions will be.

Property held in the names of two or more persons, in which each has a separate and distinct share. The shares may be equal or unequal. When one person dies their share is not passed to the survivor(s) but can be left to beneficiaries other than their co-owners.

Credit Report providers hold credit-related information which is primarily used by banks and other lenders to assist them in assessing applications for credit.
If you have every applied for or used credit in Australia, you will have a credit file.
See my Tips on Adverse Credit History for more information

How much can I borrow?
There are three main considerations that must be taken into account when you are looking to borrow money for a home purchase, and they are:

When you buy and sell properties there are many costs that you need to budget for, and it’s not only ‘how much’ but ‘when’ that you need to consider.

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.