With official interest rates trending downward, shrewd mortgage holders may take the opportunity to call their lender to ask for a better deal.
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Securing a business loan in Australia isn’t necessarily difficult but knowing how to navigate your way can be the difference between success and failure.
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Urgent maintenance is an unavoidable aspect of being a landlord, so having a cash buffer set aside will help you deal with any unexpected problems.
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If you apply for a home loan, particularly if the loan is for more than 80 per cent of a property’s value, you’ll more than likely have to prove to lenders that you have a satisfactory amount of savings. This is to demonstrate your ability to funnel a portion of your income into repayments.
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It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan.
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It seems like a no brainer, right? You are buying a home, so you’ll pay off your credit cards to reduce your debt, but keep them active so you can buy some furniture or deal with emergencies even when you have a mortgage to pay. Wrong.
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Refinancing your assets to renovate a property is a significant decision that will hopefully improve your standard of living or add substantial value to your property.
However, refinancing isn’t as straightforward as you might expect. The type of renovation proposed goes a long way to dictating the loan required. If the wrong loan is chosen, you could be left with a pile of unexpected debt.
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While SMEs account for 97 per cent of Australian businesses, it can still be difficult to make a case to a bank when looking for finance to start a new business or invest in the growth of an existing one. The good news is that applying for commercial finance through a bank is far from the only option.
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Knowing what a property is worth is central to avoiding paying too much for it.
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Stamp duty is a charge which is applied by state governments in Australia on transactions relating to the transfer of land or property. It is paid upfront and needs to be budgeted for in addition to your loan deposit.
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A conveyancer is a solicitor, but just deals with property, right? Wrong. The two are different, and it is important to have the right one on your team, in order to avoid paying too much while still getting the advice you need.
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Paying off a mortgage can seem relentless – every payment counts of course, but it can seem to be taking forever to make a dent. Here are some simple ways you can increase the amount you pay off and own your home sooner.
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Rising house prices are making it increasingly difficult to enter the market. Parents who guarantee their children’s loans can help, but it is important to understand how this can impact the parents’ retirement or investment plans.
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Applying for a business loan is a completely different process to that of a home loan application. To ensure you don’t lose your way, we’ve set out a clear path for you to follow.
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Paying off your education is no reason to put off buying property.
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Small business owners know all too well that the unpredictable nature of the industry can sometimes mean that quick access to cash flow is needed. MFAA Accredited Broker, <insert your name and company name here> presents some of the options available to you when you’re faced with a cash-shortage.
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If you are thinking of building your own home, you will need to be familiar with the ins and outs of construction loans.
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Preparing a detailed business plan will inform the lender about your business proposal so that it can assess your application as favourably as possible.
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It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan.
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Brokers can help connect you to the lender best fit to serve your mortgage needs by shopping around on your behalf...
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