Debt consolidation is where you increase or re-finance your home loan and use the funds to payout credit card, personal loan or car loan debt

At least one month before you move

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

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

If you have changed your name due to marriage (or divorce), your property and loan are in your old name and you want to update your name. It’s not simple or free. There are several processes to go through, with quite a few fees and costs involved.

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.

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

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

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.