Tips for first home buyers
First home buyers have it tough these days. Your first hurdle is to save a deposit – which can seem like an insurmountable task. The second hurdle is to actually beat the competition to buy the property. So let’s break this down and look at these two hurdles: Saving your deposit The obvious way to get your deposit faster is simple – save more, spend less. While this sounds overly simplistic, here’s a couple of tips on how to do this: Know your budget – Read More +
Love news – September 2019
The start of the spring sales season came early this year with steady increases in listings and auction clearance rates since August. Momentum is still building with increased consumer confidence, more properties being listed and steadying out of property values. The best news for home buyers and investors is that, right now, we can secure fantastic rates for both home loans and investment loans AND there have been a lot of changes in credit policy which will be beneficial to borrowers. What does this mean Read More +
The spring season is off and racing!
The start of the spring sales season came early this year with steady increases in listings and auction clearance rates since August. Momentum is still building with increased consumer confidence, more properties being listed and steadying out of property values. The best news for home buyers and investors is that, right now, we can secure fantastic rates for both home loans and investment loans AND there have been a lot of changes in credit policy which will be beneficial to borrowers. What does this mean Read More +
Debt – what are you good for!
We all know that there’s good debt and there’s bad debt. But what are you doing to get rid of bad debt and make the good debt work for you? Bad debt needs to be eradicated from your life. Pay it off, get rid of it. If you can’t afford to live on your paycheque and rely on credit cards to get you through the end of the month, stop spending. If you can’t pay off your credit card every month, stop using it and Read More +
How to look good to banks
As a first home buyer, your number one goal is to secure enough money to buy a property. The first part is to save (or beg or borrow) for a deposit. Whether you’re begging, borrowing, or saving, that’s just sheer hard work and tenacity. You just have to find a way to make it happen. The second part is to convince the lender that you’re a risk worth taking. This isn’t too hard to do if you have a stable income, pay your bills on Read More +
The changing landscape for investors
Over the past couple of years things have really changed for property investor. Firstly, APRA tightened reins with lenders, making borrowing money harder and increasing interest rates on investment loans. Then price corrections started in many investing “hotspots”, and we saw property values drop. Then construction quality raised its ugly head and we saw caution from investors. Now, more than ever, property investing is for the savvy amongst us. Research is essential, strategy is a must and expert support is a basic requirement. From your Read More +
Spring cleaning
It’s that time of year again! The promise of summer has arrived and oh, what a feeling that is! To help you get ready for all that summer brings, we’ve put together a list of things to do. Spring clean the house – that’s a no-brainer. Vacuum under the lounge and under the lounge cushions, remove the cobwebs from the corners, clean the windows, wash the fly screens and air conditioner filters, clean the oven, tidy up the outdoor space and dust off the barbecue. Read More +
What’s not to love about a luxury home?
Imagine walking into your home with beautiful parquetry floors, high ceilings, light flooding into every oversized room in the whole house (except the media room where dark is good). Tasteful artwork adorning the walls, kitchens and bathrooms to die for, lounges that you just want to sink into and never leave. And then you step outside… The bay (or beach – whichever you’d prefer) glistens at the end of the beautifully manicured lawn which is only interrupted by the sparkling pool surrounded by a cabana and Read More +
Wanting it all – A case study…
I worked with a client last year who wanted it all. Actually, I work with lots of clients who want it all, but I’m going to tell you about Sally. She’s a self-employed single mum. She owned an apartment in the Eastern Suburbs of Sydney and had good equity in the property. She also had champagne taste on a beer budget and a penchant for overseas travel. Her feet were itchy and she wanted to buy a new home with a garden. Sally mentioned this Read More +
Newsletter – January 2018
