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The property purchase process
For many, purchasing a home is a daunting process. This is especially true for First Home Buyers, but also those that haven’t purchased property in a while. Let’s face it, most of us stay in oneRead moreThe art of the possible: how to pay off your mortgage sooner
It’s a simple equation. Paying down your mortgage sooner can save you thousands of dollars in interest in the long run. Here are some ways to make the most of every dollar while paying off yourRead moreUnderstanding which home loan features are right for you
Loans are by no means ‘one size fits all.’ Different loan types suit different age groups, different living situations and even different attitudes to money. A common trap some home-owners fallRead moreWhat to know for a hassle-free settlement day
If you are buying or selling a property, the settlement period is when you will deal with finances and paperwork to legally transfer ownership of the property. Your financial and legal reps will handRead more4 questions every property buyer should ask their real estate agent
If you are buying a new home or investment, chances are you will be attending a lot of open houses and meeting a lot of real estate agents. Finding the right property involves time and research, soRead moreBehind the curtain: what drives RBA decision making?
The RBA’s decision to hold on interest rates gives us time to take a deeper look at what is going on. After all, there could be further cuts. What drives the decision making? What could send ratesRead more7 ways to minimise debt in preparation for a mortgage
While you don’t need to be debt-free to secure a mortgage, you do need to demonstrate that you’re responsible with your finances. This means steadily paying down existing debt and savingRead moreFour must-haves for your next property inspection
You’re walking down the street when you see it – the perfect house. It’s charming, quaint and, okay, maybe a bit small, but you’re sure you could extend it later. But before you sign on theRead more10 renovation ideas that can increase your home’s value
Taking care of basic maintenance tasks before you sell your home is a no-brainer, but a quick and not-too-costly renovation can add a lot of appeal for potential buyers, and may boost the final saleRead moreRefinancing could save you thousands – and give you greater flexibility
What is refinancing? Refinancing is the process of replacing an existing loan with a new one. When it comes to home loans, it means your existing home loan is paid off and replaced with a new one.Read moreCaroline Lima (CRN 490752) and Embrace Financing Pty Ltd ACN 659 453 988 (CRN 542273) are Credit Representatives of National Lending Group Pty Ltd ABN 43 152 947 852 (Australian Credit Licence 412778)