http://www.embracefinancing.com.au/blog/ The latest Blog feeds from www.embracefinancing.com.au en-us Fri, 01 May 2026 12:27:37 +1000 Rocketspark http://www.embracefinancing.com.au/blog/post/5322/Why-brokers-hold-the-keys-to-getting-your-foot-in-the-property-door/ Getting a foot in the door of your dream home might be getting harder, but talking to a mortgage broker could get you the keys more quickly.Purchasing a property in today’s housing market is not for the faint-hearted. Would-be homebuyers have only to turn on their TV – or check Facebook or Twitter – for the latest news informing them that their dream home is slipping further out of reach. When you add in the challenge of sourcing the right loan, first homebuyers ca... Tue, 13 Aug 2024 00:00:00 +1000 http://www.embracefinancing.com.au/blog/#post5322 http://www.embracefinancing.com.au/blog/post/10459/8-expenses-to-budget-for-before-you-buy-a-home/ Buying your dream home can come with a list of costs that do not have to be a nightmare if you plan in advance and budget for them.These expenses can add up. Sometimes, it can feel like someone always has a hand in your pocket. Some costs, such as stamp duty, are unavoidable, but don’t resist paying for legal advice and building inspections. Mistakes in these areas can cost far more than you’ll save.Here are some expenses to budget for:1. Building and Pest InspectionsThese are not mandatory ... Thu, 18 Jul 2024 20:38:44 +1000 http://www.embracefinancing.com.au/blog/#post10459 http://www.embracefinancing.com.au/blog/post/9477/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 one property for quite some time and it might be a decade or more before we have to go through the process again. It can be intimidating having to negotiate with Real Estate Agents, securing a loan and dealing with the legal side of purchasing a property. Having a broker that is by your side during the w... Wed, 08 May 2024 00:00:00 +1000 http://www.embracefinancing.com.au/blog/#post9477 http://www.embracefinancing.com.au/blog/post/5702/Understanding-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 fall into is to consider a mortgage ‘set and forget’. You did your research, shopped around, found the right option and now you’re reluctant to revisit the process - even if your personal circumstances have dramatically changed.Before you start shopping around for a new loan, or an upgrade to you... Mon, 08 Apr 2024 00:00:00 +1000 http://www.embracefinancing.com.au/blog/#post5702 http://www.embracefinancing.com.au/blog/post/5698/Money-saving-SOSEffective-tips-to-help-land-that-home-loan/ Looking to enter the property market and worried about how you’re going to secure your first home loan? It’s time to start making your money work for you so you can land that loan.Qualifying for a home loan isn’t always an easy path. Aggressive interest rates, competition in the market and less than rigorous saving habits can often push people out of the property game completely – but it shouldn’t.Saving enough money for a sufficient deposit is possible with the right guidance and plen... Mon, 12 Feb 2024 00:00:00 +1100 http://www.embracefinancing.com.au/blog/#post5698 http://www.embracefinancing.com.au/blog/post/5950/how-to-pay-off-your-mortgage-sooner-and-save-thousands/ 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 your loan quicker.Keep an eye on your optionsOften the biggest home loan savings come from shopping around, finding the lowest rate available, and negotiating with lenders.Depending on market conditions, refinancing your mortgage could reduce your interest rate. Having an annual ‘mortgage health check’ w... Mon, 20 Nov 2023 00:00:00 +1100 http://www.embracefinancing.com.au/blog/#post5950 http://www.embracefinancing.com.au/blog/post/10477/8-tips-for-stress-free-moving-with-kids-and-pets/ There’s no denying that moving home is stressful. Boxes disappear inside the removal truck at one end and reappear at the other in random locations around your new house.The anxiety of not finding anything can be amplified by screaming children wanting toys or something to eat. So, if you’re juggling kids, pets - or worse, both - here’s a handful of strategies to help make a move easier for everyone - especially you. In addition, always make sure your wallet, car keys, and relevant documen... Fri, 15 Sep 2023 00:00:00 +1000 http://www.embracefinancing.com.au/blog/#post10477 http://www.embracefinancing.com.au/blog/post/10458/7-tips-for-organising-your-finances-before-you-buy-a-home/ There are many tips for buying a property, but there’s one essential element that no one can avoid - getting your finances in great shape before you start. Knowing what you can afford is a critical element of finding your first home or the next one that takes you higher up the property ladder.The most successful buyers begin their search with their finances in order and a pre-approval letter from their bank or lender. They know their budget and tailor their efforts accordingly. There’s no gr... Thu, 06 Jul 2023 00:00:00 +1000 http://www.embracefinancing.com.au/blog/#post10458 http://www.embracefinancing.com.au/blog/post/5948/What-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 handle the hard stuff but knowing what is involved is key to a smooth settlement. Here we guide you through it. Before settlement The length of the settlement (typically 6 weeks in NSW) can either be outlined in the contract of sale from the outset or negotiated by the buyer or seller before signing th... Tue, 25 Apr 2023 00:00:00 +1000 http://www.embracefinancing.com.au/blog/#post5948 http://www.embracefinancing.com.au/blog/post/5606/To-offset-or-not-to-offset/ Is having an offset account really worth it? The answer is, it COULD be. There are a number of things you need to be aware of when it comes to offset accounts.Basically an offset account means that any money in that account offsets the balance of your mortgage, reducing the amount that you pay interest on. For example, on a loan amount of $400,000 with $10,000 in an offset account, you would only pay interest on $390,000.Sounds great, right? The thing you have to be aware of is that generally le... Thu, 02 Feb 2023 00:00:00 +1100 http://www.embracefinancing.com.au/blog/#post5606