Stamp duty reform, will it happen?

The conversation around stamp duty reform has gained momentum in recent weeks at both the state and federal level, with everyone from RBA Governor Phillip Lowe to Treasurer Josh Frydenberg to state politicians suggesting that land tax reform may have a role to play in Australia’s post-COVID economic recovery. Reform could significantly aid homebuyers through reducing the amount of money […]

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Debt Consolidation: What Is It and What Can It Do for You

Living with debt is one of the more difficult things in the modern age. While most people try to actively avoid accumulating it, debt can be inevitable if you want to make a big purchase—a home loan, a car loan, or even a business loan. No matter how savvy you are with your money management, […]

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Do You Have a Reason to Refinance Your Mortgage: Find out Here

If you own a home with a mortgage, you have probably heard about refinancing many times, and now you’re thinking whether or not it’s something that you should do. Refinancing is basically switching from your original loan to a new one. There are many reasons homeowners would want to do this. Here are some of […]

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A Guide to Applying for Your First Home Loan

Applying for a home loan is one of the most significant decisions that you can possibly make in your lifetime. The process involves many important considerations, and you need to be mindful of each one so that you can secure a suitable home and, more importantly, a stable financial future. Out of the many aspects […]

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4 Signs It Is Time to Refinance Your Mortgage – What to Know

You have repaid more than half of your loan. You think your performance in loan payments and your current financial situation can help you get a better term. They say refinancing has money-saving features. Should you trust your gut and do it? When is the best time to get refinancing? Is there really a best […]

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4 Practical Tips for Finding the Right Mortgage Broker When Buying a Home

Anyone will tell you that buying a house is truly a life milestone. As such, it’s not a matter to take lightly. When you are finally ready to buy property, you need to make the right decisions. Additionally, you’d want the process to go as smoothly as possible. A mortgage broker would be helpful in […]

Thinking of Renovations

It’s been more than 25 years since Tom Hanks and Shelley Long showed us the calamitous side of renovating gone wrong in the comedy movie, The Money Pit, but the warnings ring loud and clear today. With a sluggish property market, many homeowners are opting to renovate rather than relocate. Before you hit the hardware […]

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5 Basic Home Loans Every New Homeowner Should Know About

Purchasing your first home can be exciting but will usually require that you take out a mortgage loan. In your lifetime, a mortgage loan can become your largest debt, so understanding the process is critical.  If you’re looking to finance a home loan in North Sydney, or purchase a home or a investment property in […]

5 Practical Reasons to Consider Refinancing During COVID-19 Outbreak

Whilst refinancing during the COVID-19 outbreak may not be possible for all homeowners and borrowers due their current circumstances, replacing your existing home loan with a new loan is usually a viable option to consider.  Refinancing your loan allows you to reduce your monthly payments, lower the interest rate, consolidate debt, and alter the loan […]

The Impact of COVID-19 on the Property Market and Lending Environment

Whether you’re a first home buyer, or planning to upsize, downsize or invest, the COVID-19 coronavirus will have caused some uncertainty over your plans. The Lending Environment Whilst there has been some change in the way we inspect and purchase properties on-line, banks have also amended their lending criteria and are focussing on the stability […]

Property Valuations and COVID-19

The impacts from COVID-19 are yet to be seen in a property market context as transactions generally follow a due diligence process and are less liquid than the public market of the stock exchange. In terms of valuations, we are seeing valuers starting to utilise disclaimers highlighting ‘valuation uncertainty’. Valuers draw upon previous transactions to form opinions of value […]

8 essential steps if your business is in distress

The impact of the last bushfire season and now Covid-19 is causing significant distress to many businesses. For many cash flow has slowed to a trickle or even stopped completely. Here are eight essential steps to take to deal with this type of crisis in your business: 1. Be honest with yourself Lots of people […]

Important Coronavirus Update for Renters

If you are a renter, you may have heard that your landlord can skip their home loan repayments. Unfortunately, this is not accurate. Anyone with a mortgage, if they are experiencing financial hardship, can only delay their home loan repayments, but they still have to pay them in full. In fact, when a property owner […]

Real estate 101 (A cheat sheet)

If buying or selling for the first time, you might be bamboozled by all the real estate jargon bandied about. Here is our A-Z guide to what it all means. Accrued depreciation The total depreciation of a property over a period of time. Usually the difference between the replacement value at purchase and its present […]

Warren Buffett’s Advice on How Investors Should Respond to a Super-Contagious Disease

If there’s one person investors should listen to during a market correction, it’s Warren Buffett. At age 89, Buffett has lived through quite a few downturns. And he’s made out pretty well: His net worth is in the ballpark of $85 billion.  Through the years, he has given a lot of great advice in his […]