Preparing to bid at an auction is equal parts nerve-wracking and exciting. For many, this is the biggest financial decision you’ll ever have to make, so getting all of your ducks in a row is essential. Pre-approval is no exception.
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In this article, we delve into the historical performances of both houses and units to help you make an informed decision when the time comes to purchase an investment property.
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Many of us associate upgrading with moving into a larger home, but downsizing can also bring great benefits and has helped many people achieve their financial and lifestyle goals. To assist those considering their property strategy, we have created a guide to help you evaluate whether downsizing is the right option for you.
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A home loan application is filled with many hurdles you need to jump. One of the biggest mistakes applicants make is failing to understand all the criteria lenders use to assess your credibility as a borrower. These factors will include anything from your credit score, earning capacity, deposit and debt-to-income ratio on the loan.
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You don’t need to remind first home buyers; buying property in Australia requires an enormous amount of earning and saving. However, on top of the sale price, many buyers don’t factor in all the additional costs that come with the purchase. The most significant of these costs is usually stamp duty, potentially cutting tens of thousands away from your property budget.
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Our first home loan is the biggest financial commitment most of us will ever make. After years of renting and saving, you can finally start the journey towards the great Australian dream; owning your own home. Your home loan will dictate what you can afford, whether it’s the property of your dreams or just a property you can afford.
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There are many different home loan options available including your repayment type and the lender you borrow from. Choosing between a fixed or variable rate is one of the most important loan decisions you’ll need to make and will come down to your personal preferences.
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Buyers can get caught up in the excitement of house shopping and bidding at auctions without first getting a pre-approval from their lender. This can be incredibly risky and leave you in a precarious position if your finance falls through.
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Repaying your mortgage generally means paying down a portion of your principal balance as well as some of the interest that has accrued through the cost of borrowing.
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