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Category Archive for "Financial Planning"

Credit Score

How to improve your credit score

Your credit score is an important indicator that lenders use to gauge reliability and risk when assessing a loan application. A good credit score, therefore, is an important tool that will help your chances for success. If you’ve accessed your...
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Man In Suit Giving A Thumbs Up Signal

Six Questions a Lender Will Ask You and What You Should Prepare For

How to prepare for your loan application Pulling together the information for a loan application can seem daunting, and may even feel a little invasive. If you’ve never applied for a loan before, gathering all of your most personal finance...
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Mortgage Broking

The 10 Most Important Questions To Ask Your Mortgage Broker in 2021 (Part 2)

Welcome to Part 2 of the 10 Most Important Things to Ask Your Mortgage Broker in 2021. Taking into account today’s low-interest environment, the rocketing property market and the unpredictable nature of the COVID-19 pandemic, it’s important that that anyone...
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Mortgage Broking

The 10 Most Important Questions To Ask Your Mortgage Broker in 2021 (Part 1)

If you’re thinking about getting a home loan, you’ve probably been researching online for a while. You’ve been looking for all the things that you need to remember when you’re budgeting, or filling out the application, or even just making...
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Mortgage

Guidelines to refinancing a mortgage

Refinancing is one of those things, like exercising regularly, that we know could be good for us but sometimes seems like a lot of effort and not much fun. There are lots of reasons why it might be a good...
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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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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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