Redraw vs offset: what first-home buyers should know
Redraw facilities and offset accounts both cut the interest on your home loan, but they work differently. Here's what to know before you choose.
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The Focus blog
Straight answers on home loans, refinancing, investing and the Perth market.
Buying an apartment vs a house as an investment
Do you want to jump into the property market but don’t have the budget to buy a house? A unit or apartment could be a great way to get your leg up on the property ladder....
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Rentvesting: is this a good option for first-time buyers?
With today’s cost of living pressures and the median dwelling value in Australia now at $794,000, many young Australians feel like they’ll never be able to enter the property...
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Refinancing your home loan: how does it work?
When you’re busy with life, refinancing can seem like a hassle. However, with a mortgage broker to guide you through the process, it doesn’t have to be! Refinancing may allow you...
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Smart Investing for the Budget-Savvy
Perth property investment market is going very well, much of this success is to do with the WA property markets affordability in comparison to other states. Is a small budget...
Read more →Home Settlement Process - What you should know
There’s nothing quite like the buzz of seeing those words in your inbox: Confirmation of settlement of your property purchase. Settlement day can be both exciting and stressful....
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Credit Report 101: A Beginner’s Guide
Have you ever wondered how lenders decide whether to grant you that coveted home loan? Your credit report holds significant importance in their decision-making process. Think of...
Read more → Mortgage prison: how can you escape it?
Stuck in an expensive home loan and feeling trapped? You’re not alone. It’s estimated about 16 per cent of households with a mortgage are in a “mortgage prison”, unable to...
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How your HECS-HELP debt affects your borrowing capacity
Do you know how much you owe on your HECS-HELP debt? While student HECS and HELP loans in Australia are interest-free, they are indexed every financial year based on a cost of...
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How to manage your own investment property
How to manage your own investment property ? It’s time to find some quality tenants and sign them up to a lease. When it comes to this step, you can go one of two ways. You can...
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Is your Fixed rate home loan finishing soon? Here’s how to manage the shock…
What you can do to avoid stress and anxiety with a fixed rate home loan expiring! With the recent increase in the cash rate by the Reserve Bank of Australia, many homeowners are...
Read more →Perth property market update
When will the Perth Property market return to growth? With so much focus on the NSW and Victorian property in media it is important to understand Australia has many individual...
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When to leave your lender and consider a refinance
Valentine’s Day makes us think about loyalty - which is an admirable quality in any relationship. But is your devotion to your home loan provider justified? It’s important to ask...
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Can you exit an off the plan purchase?
Considering buying a property off the plan? It sounds good in theory, with the possibility of stamp duty concessions and other benefits for first home buyers. But in 2018 there...
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Neat ideas for renovating a small home
Last year, the Federal Government introduced down-sizing incentives aimed at the baby-boomer set. Add this to rising capital city property prices that give just about everyone an...
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Rent Vs Buy?
Rent Vs buy? For some, renting makes good financial sense. For others, it’s just money down the drain. For you it may be a question of short-term convenience versus long-term...
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Fixed Interest vs Variable Home Loans in 2018
If you’re buying a property or considering refinancing your home loan in 2018, you may be asking yourself whether to fix your interest rate or not. Many people think about...
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Guide to Investing in Property
When done right, investing in property can help you to build long-term wealth, and who doesn’t like the idea of an additional income stream? (Imagine what you could do with that!)...
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5 Tips to take the stress out of settlement day
You’ve found your dream property, had your offer accepted and the all-important settlement day is the last hurdle to overcome. The anticipation has been building for weeks!...
Read more → Should I buy an investment property?
To buy an investment property in 2018, or not to buy? With more than 15% of Australian taxpayers owning at least one investment property, it’s a big question on many people’s...
Read more → 6 questions to ask your mortgage broker
Did you know that your mortgage broker can help you with a lot more than a home loan? Mortgage brokers are qualified as ‘credit advisors’, so we can be of great benefit to you in...
Read more → What to look for in an investment property
Buying an investment property can be a clever way to build wealth for your future. There are government incentives that make this form of investment great for mum and dad...
Read more → 3 things every new landlord needs to know
Buying your first investment property is exciting, but it also comes with new responsibilities. When you’re on your L-plates as a new landlord, it’s important to be aware of your...
Read more → Unique Christmas Decorations for your home
Christmas is such a special time of year! You can feel the magic in the air at shopping centres as the Christmas decorations come out, or when you’re driving around and notice...
Read more → Is now the right time to buy your first home?
If you’ve been dreaming about purchasing your own place, but a niggling voice in the back of your mind has been offering up objections, we’re here to tell that voice to pump the...
Read more → What is the best time of the year to sell your home?
When selling your home, your main objective is to get the best possible price. So when should you put it on the market? Does the time of year make a difference? The answer is that...
Read more → 6 strategies for first home buyers
Saving a 20% deposit for your first home is no easy task - particularly if you want to buy your first home in Melbourne or Sydney where home values seem to be rising faster than...
Read more → 3 ways to start growing your nest-egg using real estate.
In Australia, the national past-time seems to be to save, save, save for a house deposit! People are making all sorts of sacrifices to get that all-important deposit together -...
Read more → Refinance your Investment property loan?
The clever investor knows that assessing your investments regularly is key to identifying opportunities to build wealth. Knowing when to refinance an investment property could be...
Read more →Is your Interest Only Loan the best for you?
The last 12 months have seen a lot of changes to interest rates on home loans and investment loans and more recently interest only loans getting the regulators attention. Now is...
Read more → A step-by-step guide to refinancing your home
With a home loan it’s easy to just ‘set and forget’. But it’s sensible to review your home loan every three years or so and if savings can be made consider refinancing. We're...
Read more → First home buyer? what to look out for when inspecting properties
If you’re a first home buyer and new to inspecting properties, it can be difficult to know what to look out for, especially when you’re excited about your first home purchase!...
Read more →5 Ways to pay your home loan off years earlier with no additional repayments!
PART 1 - The Scenario. Have you ever wondered how some people seem to get ahead to pay their home loan down whilst others struggle from pay to pay and yet both generally have...
Read more →Questions to ask about your home loan
There’s a lot of benefits to using a mortgage broker and they can certainly help you speed up the process of property buying and your financial goals. A good mortgage broker can...
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