No savings? A family pledge loan facility could help you buy your first home
July 17, 2014

No savings? A family pledge loan facility could help you buy your first home

Young couple Sam and Kate were keen to start paying off their own home rather than paying rent, but had no savings. Here’s how they bought their first property.

Sam and Kate Bowen were…

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What is LVR?
July 16, 2014

What is LVR?

The mortgage industry is a wide, wondrous world with a language all of its own. One of the many acronyms bandied about is ‘LVR’, which stands for ‘loan-to-valuation ratio’. Here’s…

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Case study: why you need access to many lenders
July 11, 2014

Case study: why you need access to many lenders

When experienced property investor Tim Gordon agreed to buy a block of land, he didn’t expect the land’s mining-town location to make it difficult to secure finance. After failing to find a…

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Case study: financing a very small property
July 10, 2014

Case study: financing a very small property

There’s no question that the GFC changed lending. For Maria Vincent, policy changes associated with the GFC meant that the lender she already had a mortgage with wouldn’t allow her to release equity…

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Could a deposit bond be your solution to securing a property?
July 7, 2014

Could a deposit bond be your solution to securing a property?

Before taking their property off the market, your vendor wants a deposit to ensure that you will settle, but your funds won’t be available until settlement. What do you do?

Most vendors require property…

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EOFY case study: How to convert a new car into tax credits
July 3, 2014

EOFY case study: How to convert a new car into tax credits

As most small business owners will attest, end of financial year is the time to track down great savings on business equipment. With the right advice, financing the purchase of that equipment can also pay…

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Why your credit adviser is calling you
July 1, 2014

Why your credit adviser is calling you

Wondering why your credit adviser is contacting you six months after you’ve settled on your property? The simple answer is that a credit adviser is with you for life.

You’ve scored the home…

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Six ways to fund a renovation
June 27, 2014

Six ways to fund a renovation

Any renovation project, large or small, can be all-consuming in terms of your energy and money. Here are six loan types that can help you with the latter.

Considering transforming your home from ‘blah…

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Pros and cons of a line of credit
June 24, 2014

Pros and cons of a line of credit

A line of credit can be a very appealing idea, with immediate access to the limit of a mortgage and no extra approvals necessary. Used wisely, it can make investment and purchase of commercial equipment…

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How to buy a home when you’re self-employed
June 20, 2014

How to buy a home when you’re self-employed

Self-employed borrowers come up against the challenge of not being able to simply present payslips and tax returns to back up their loan applications. But this need not stop you buying your dream…

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