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Budgeting and the importance of tracking your expenditure

by Anthony Alabakov on December 04

Budgeting is crucial habit that’ll have profound effects on the way you view money and spend it. It’s especially important when it comes to saving for the deposit on your home loan or making sure you have enough in the tank to make repayments. A survey by the Financial Literacy Foundation showed that 90 per cent […]

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Ready to unlock equity in your home loan?

by Anthony Alabakov on November 23

It appears that more and more Australians are in favour of unlocking equity for purchases by refinancing their home loan. When it comes to making sure you find the right loan, you’ve got to remember that circumstances can change. Settling into the ins and outs of a mortgage means being prepared and knowing how you’re […]

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Why Developers need to be proactive with pre-sale contracts and purchasers

by Anthony Alabakov on September 19

It’s well documented in the media how the recent APRA and bank policy changes will affect pre-sales contracts and purchasers who entered into a contract more than 3 months ago. We are advising many of our developers who are in this situation to be proactive with these purchasers in ensuring at settlement they can meet […]

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Changing lending landscape

by Anthony Alabakov on August 15

Currently over 55% of all new mortgages with lenders are introduced by brokers. This statistic has increased dramatically over the last 5 years and with the recent lender announcements, increasing interest rates for new AND existing clients, it’s an important time now more than ever to consider reviewing your current arrangement or consider different lenders […]

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Self-Employed Home Loans

by Sean Murphy on

Hey Again, I wanted to share some information on Lo-Doc lending, or loans for self-employed borrowers. There’s no secret that being Self-employed can often pose challenges when trying to secure finance from a bank to buy a home, or consolidate some debt through refinancing. As a small business owner you are trying to run your business, […]

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New investor changes – how it has impacted lending

by Anthony Alabakov on July 20

Interesting data has just been released suggesting the new investor lending regulations may have started to reduce banks’ exposure closer to the levels required by APRA, as home loan approvals are at their lowest levels since August 2013. Many lenders such as NAB, Westpac, BankWest have capped investment lending to 80% of the value of […]

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