Leverage – you use your cash to invest a percentage of the purchase price of the investment property. It’s possible to borrow 95% of the value of a property to purchase it – so together with the 5% needed for government and lender costs; you need only commit 10% of the purchase price from your own cash.

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

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.

DAY 1 We receive loan application and supporting documentation. DAY 2 We compile and submit your application to the lender. DAY 3 Lender performs credit reference check and other basic checks DAY 5 Conditional Approval DAY 8 Valuation is received & conditions of approval are met. DAY 10 Unconditional Approval DAY 13 The Lender or […]

A loan pre-approval is written confirmation that a lender has reviewed you and your current financial position and is prepared to lend you money up to the pre-approved loan amount.

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.

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

Generic process:

• Get a statement of advice from your Financial Planner.
• Have your accountant set up the SMSF Trust for you. Ensure that the trust deed enables borrowings.

An auction is conducted in public on a date set by the vendor. If you intend to make a bid, you or your representative will have to attend the auction to make an offer. You will win the auction if you’ve offered the highest bid above the vendor’s reserve price. If all bids are under the vendor’s asking price, the property is “passed in” and the auction is finished. Private negotiations will then usually take place with the auction’s highest bidders.

From bearing the name of a property’s registered owner to outlining outstanding easements, a Certificate of Title is often the key to determining the condition and overall value of your property