Useful Tips

Here are links to all of EquityVision Tips.

If you find them useful, you're welcome to share with your friends.

We’re often adding to the list and updating them, so if there is a Tip you’d like to see, or if you have some feedback on an existing one, We’d love to hear from you. Email us at advice@equityvision.com.au

Negative Gearing
May 6, 2018

A negatively geared investment property is one where the cost to own and maintain it (loan interest, council rates, maintenance etc) are higher than the rent received. The net outgoings create a loss that is usually an allowable tax deduction.

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Glossary of Terms
May 13, 2018

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

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Building Insurance
February 24, 2018

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.

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Fixed Rate Update – April
April 2, 2019

Click here to see some of our Panel Lenders’ most competitive fixed rate loans. The best rate from our lender panel this month is: 2 year fixed rate 3.68% – Virgin- First Home Buyers Special (Interest rates are for Loan sizes over $250,000. LVR and other conditions may apply) Email us if you would like […]

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Borrowing money to buy a property in a Self Managed Super Funds (SMSF)
June 12, 2018

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.
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How to make the most of a Free Redraw loan
May 13, 2018

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.

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Construction Loans
May 5, 2018

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 […]

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Eleven + Home Loan Questions answered
May 7, 2018

As a professional mortgage broker, we will assess your needs taking into account both your personal and financial goals, and will provide professional written advice on loan structure, lenders and products.

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Financial Hardship options
May 5, 2018

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.

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Fixed Rate Update
February 6, 2019

Click here to see some of our Panel Lenders’ most competitive fixed rate loans. The best rate from our lender panel this month is: 2 year fixed rate 3.69% – NAB – First Home Buyers Special (Interest rates are for Loan sizes over $250,000. LVR and other conditions may apply) Email us if you would […]

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