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.

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.

This obvious step is often underestimated by many buyers. We can help you understand what you need to save for and help you set your savings goals.

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 […]

Thinking about a Tree-Change? Buying a home in the country has many benefits and is sometimes a dream of people wishing to escape the Rat Race. But before you fall in love with any property, make sure that you can borrow the money you need to buy it.

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

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:

A guarantor promises to make the payments or reimburse any shortfall in the event that the original borrower does not pay and/or the property is sold at a loss.

A construction loan allows you to borrow against the construction progress of a new building based on the estimated completed value of the property.

A glossary of terms you may encounter when purchasing property or obtaining a mortgage.