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[Video] What To Look Out For When Buying Property Off The Plan

Home Improvement Plan

The rise of new apartment developments in our cities provides greater opportunities for potential homeowners to buy off the plan. Lock in your purchase at today’s prices and pay once the property is built in the future.

There are benefits to this, but also a number of issues to be mindful of. In this article, we will look at some of the things to consider when buying property off the plan.

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How Do I Get a Lower Interest Rate On My Mortgage?

Property market update

One of the most common questions we get is; how do I get a lower interest rate on my mortgage?

In this video, Liz Zaki will walk you through the 6 factors that help answer this question. There are 6 factors that govern how easy it is for you to get a lower interest rate on your mortgage. They all apply equally.

1 – Loan Purpose

Is the mortgage or home loan in question used for your primary place of residence? Or is it used for an investment property?

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7 Reasons To Use a Mortgage Broker

Checklist

The mortgage market in Australia can be very complicated. With that in mind, here are the top 7 reasons to use a mortgage broker next time you want to find a new home loan.

Most mortgage brokers have access to a huge range of lenders. They should be able to provide you with a huge choice of rates and mortgage options. With partnerships in a vast array of lending institutions, including banks, credit unions, trusts, national and regional lenders, and non-traditional lenders, a good broker will be able to help design the perfect mortgage for you.

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10 Finance Tips For Property Investors

SMSF

More and more Australians are building wealth through the property. According to the Australian Taxation Office (ATO), there are over 1.7 million property investors in Australia. Just over 25% of these investors own more than one investment property.

The largest group of property investors are not high income earners as many may assume. The vast majority fall into the $30,000 to $75,000 p.a. income bracket.

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Home Loan Borrowers To Receive Borrowing Capacity Boost

Couple Smiling

Borrowers are set to receive a boost to their borrowing capacity in the order of $80,000 to $100,000 thanks to a combination of changes to lending standards and interest rate cuts, new modelling shows.

Under the proposed relaxation of loan serviceability rules flagged by the Australian Prudential Regulation Authority (APRA) last week, borrowers will no longer be assessed to see if they can repay their loans against an interest rate of 7.25%.

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Deposit Bonds: Do You Need Cash For a Home Deposit?

Couple eating at table

One of the common problems that home buyers face is not having enough cash to guarantee for their purchase.

Sometimes you can’t unlock the equity in an existing asset such as your home or investment property. Sometimes times you don’t want to use extra / bridging finance such as when you’re trying to sell and buy at the same time.

Sometimes you aren’t able to get the funds together quickly enough to secure the new property. This often happens when you want to go to auction or when you have to act quickly on a private treaty sale.

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Quick Ways To Save A Lot Of Money

Save a lot of money

Do you want some quick ways to save a lot of money?

How often do you check your accounts and credit card statements?

Do you re-assess your expenses regularly?

Tax time is always a good time of year to get your finances sorted as it’s when we all go through the past year’s expenses. If you’re looking to buy a new property, or just looking at saving some dollars throughout the year, it is a good idea to go through your current finances and expenses to see where you can save a few thousand dollars a year.

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How To Negotiate With Real Estate Agents

Real Estate Agents

When you deal with property transactions, you will be dealing with Real Estate Agents. This article will show you how to make real estate transaction go as smooth as possible.

The first thing to note is that the Real Estate Agent does not represent you, the Buyer – they represent the Vendor. It is in their best interest to ensure the Vendor gets the highest price possible because:
– Agents are usually paid a commission on the sale of the property
– Extracting the highest price from the Buyer, allows the Agent to attract more customers in future

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9 Tips For Choosing An Investment Property

Investment Property

Are you considering buying a residential investment property? You need to consider a few key points before making your offer.

We’ve got 9 tips to help you in choosing an investment property. What to do and what to avoid in order to steer clear of any potential difficulties and ensure success in your next investment purchase.

The process starts with knowing your goal. When choosing an investment property, it is vital that you understand your financial objectives. The financial elements should be your key focus to purchasing an investment property, rather than the actual property itself. You will need to decide first on what your investment goal is, AND THEN create a plan to achieve it within a realistic time frame.

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Budget 2018 – Changes For Property Buyers And Sellers

The 2018 Budget will bring many changes for property buyers and sellers. Some of the new changes tabled in the May Budget will likely have an indirect effect on both the residential and commercial property sectors.

The Budget will more than likely mean that interest rates will not be an issue, as the President of the Real Estate Institute of Australia Malcolm Gunning says: “This expected interest rate stability comes at a time when housing prices in some of our major cities are showing signs of easing, leading to improved affordability for first homebuyers.”

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