Category Archive for "Home buying & selling"


10 lending tips to secure finance today

It almost seems that every day brings with it new lending policies, doesn’t it? Interest rates are changed for investors and interest-only lenders, while loan to value ratios seems to be more fluid than a retreating tide. While it can...
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Client And Agent exchange contracts in NSW

What you need to know before you exchange contracts in NSW

Australia is a country of eight States and Territories, which each have their own, sometimes unique, laws. The laws around real estate differ substantially across these regions, and there can be quite a few differences depending on which part of...
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Buying Off The Plan

A beginner’s guide to buying off the plan

We all know that Sydney has stolen all the property headlines over recent years, but there has been another big news story happening at the same time. What is it? It’s buying off the plan – and buying new units...
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housing finance

Housing finance: owner-occupiers make hay while the investors stay away

APRA’s crackdown on risky lending practices have made a further impact on the market, according to the ABS housing finance data released today. The ABS data shows there was a 1.4 per cent drop in investor lending in May and...
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How to navigate today’s complex lending landscape

The lending landscape is changing rapidly. In fact, it’s the most complex that I’ve seen in my many decades in the sector. Banks seem to be shifting the goalposts constantly, which can mean increased rates for certain types of new...
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Get the best price – How to negotiate when buying a house

Once you’ve identified a property that suits your purposes as either a home or an investment, the hardest part can be negotiating successfully to buy it. The thing is negotiation is a skill that needs to be learned and buyers...
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Consumer confidence is another reason our property markets are going to slow down

Australians are becoming a little less confident about their financial futures. This has not been helped by all the talk about housing affordability (or lack thereof),  the media’s negative talk about the Melbourne and Sydney property markets and all the...
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House and Land packages for first home buyers

The allure of a new home remains as attractive today as it did for our parents and grandparents. That’s because buying or building a brand new home means that you have access to the latest house designs as well as...
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Lower interest rates reducing mortgage stress

Despite some concern regarding the future of the property market – mortgage holders appear to be breathing a little easier. New results from Roy Morgan’s mortgage stress data show that in the three months to April 2017, 16.8% or 666,000 mortgage holders can...
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A guide to guarantors for first home buyers

Parents have helped their children buy homes for generations.first-home-buyers-ad Back then, it was often via a cash gift that their child – often newly married – could use as a deposit. Today, many parents are equally interested in helping their...
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