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Mortgage calculator

How to use a mortgage calculator properly

When engaged in the ancient art of real estate daydreaming it’s not unusual to look up an online mortgage calculator and see if you can afford those stunning homes on your favourite listing portal. You might wonder whether, if you...
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hand holding tablet

Will the Treasurer’s proposed changes to lending criteria save the Australian economy?

Australia’s economic recovery is inching forward, but a key reform designed to give it a shot in the arm – Treasurer Josh Frydenberg’s legislation to overhaul responsible lending obligations and free up access to credit in order to get more...
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Property Boom

Has Covid-19 changed what we want from our homes?

OK, so who’s been stuck at home, in what you thought was a spacious property, right up until Covid-19 hit? All of a sudden we’ve got people trying to find space to be able work, study and then relax all...
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Interest Rate

Your outcome or your interest rate, what’s more important?

When taking out a mortgage it’s common to focus on the interest rate and weigh this heavily, positioning this single piece of data as the deciding factor when choosing a lender. After all, the lower the interest rate, the more...
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Structuring your finances

Why property investment is about finance, not real estate

Buying a property, whether it’s your first or your fifth, is a well-established pathway to long-term prosperity. It’s a brick-by-brick journey to building personal wealth and it requires patience and discipline to achieve your goals. But acquiring property isn’t just...
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Stamp Duty

Stamp duty or land tax – what’s the best way forward?

The much-maligned stamp duty is facing extinction, albeit at an excruciatingly slow rate with the recent announcement from New South Wales that the state is seeking submissions on a plan to transition from stamp duty to a new property tax. ...
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Property Market

Australia’s property market 2021

The national property market has proven itself to be remarkably resilient following an extraordinarily turbulent year – a statement that would have seemed ludicrous last March. Early in 2020, as the full scope of the pandemic bloomed, experts forecast that...
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My key lending touchpoints for 2021

Here we are greeting a new year with renewed hope that 2020 becomes a blur and 2021 will be a far more prosperous year for everyone. As we look forward to the moment when we can farewell 2020 and welcome...
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Mortgage

Why won’t mortgage holders switch their loans?

Every day I’m still staggered by the complacency of everyday Australians and how either unwilling or ignorant they are when it comes to the interest they pay on their home or investment loans. Despite big reductions in interest rates over...
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Property Market

Will low interest rates be a property market lifeline?

At just 0.1 per cent, our official cash rate is mind-bogglingly low. And based on the minutes of the latest Reserve Bank of Australia meeting, it’s expected to stay this way for years to come. However, while it’s clear interest...
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