How to quickly know how much house you can afford

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What You Need to Know about Mortgages and Equity

Ah, springtime: when “for sale” signs start popping up with the daffodils and crocuses! Before you call your real estate agent, you might want to read up on some of the more technical aspects of homebuying—like exactly what homeownership can mean for your bottom line. Mortgage basics The majority of families … Read More

Low Rise Medium Density Design Guide

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These are Tools for improving the design of low rise medium density residential development as complying development. A key component to addressing housing affordability and supply is delivering more housing diversity. The low rise Medium Density Housing Code and the Low Rise Medium Density Design Guide address a lack of … Read More

13 WAYS TO START POWERFULLY AS A PROPERTY INVESTOR

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1. Know why you’re investing in property Get clear about your reasons for choosing to invest in property instead of other asset classes such as shares. Most investors know why they want to invest in property but some do it for the wrong reasons, such as trying to keep up … Read More

Key changes to pricing and offers in the last month in Australian consumer banking

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Click here to see a summary of the key changes to pricing and offers in the last month in Australian consumer banking: http://pclmoney.com.au/bnk/bnk_feb.pdf Note that the deposit rates on offer continuing their downward trend Key changes: ANZ’s​ Progress Saver has had its ongoing bonus rate reduced by 10bp to 1.71%. Bankwest​ … Read More

Many people are unable to obtain a loan as a result of credit tightening policies implemented by lenders.

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One Sydney-based Business Development Manager and former mortgage broker Hank Hong, says that one in three clients are unable to obtain a loan as a result of credit tightening policies implemented by lenders. “It’s [credit tightening] affected servicing and how much you can actually lend based on incomes,” Mr Hong … Read More

New legislation provides tax cut for first home buyers

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The federal government has successfully passed legislation that will allow first home buyers to access their tax-exempt voluntary superannuation contributions when saving for a deposit. On Thursday (7 December), the federal parliament passed elements of the Turnbull government’s housing affordability plan, which was first announced in the budget. This plan … Read More

Monthly housing market update

National Update Brisbane, QLD Sydney, NSW Perth, WA Melbourne, VIC Adelaide, SA

Non-Capital City Housing Markers A Real Mixed Bag

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Earlier this month CoreLogic released their October 2017 home value index results, in this week’s Pulse we focus on what these results look like across the regional housing markets. According to the CoreLogic home value index results for October 2017, dwelling values across the combined regional housing markets of the … Read More

Insights From the 2016 Census For Builders and Developers

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Australia is changing. Data from the 2016 Census has been released – we provide insights to help you better target today’s market. Just as our appetite for V8-powered cars is shifting towards smaller, more economical cars, what Australians are looking for in other areas is changing too . The 2016 … Read More

To Rise or Not To Rise? The Interest Rate Question.

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It’s an interesting time to be the Governor of the Bank of England, especially as there is now a real decision to make as to whether to increase interest rates from their historical low of 0.25% or not, especially as the latest UK inflation figures came in as expected at … Read More

Why would you want a remortgage?

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A remortgage is when you take out a loan on a property on which you already have a mortgage. Quite simply, this replaces your existing mortgage with another, which can be done because your existing product is coming to the end of its term, you want a cheaper rate, you … Read More

First impressions: creating an inviting house entrance

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First Home Buyers Bounce Back on Stamp Duty Concessions in Vic and NSW

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    The latest data from the Australian Bureau of Statistics (ABS) shows that there has been a rebound in owner occupier first home buyer housing finance commitments. In August 2017, there were 10,227 owner occupier first home buyer finance commitments.  The 10,227 commitments was the greatest number since December … Read More

The Benefits of Investing in Real Estate

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4 Great Ways to Invest in Real Estate

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Most business experts would agree that allocating assets into real estate is a good way to balance one’s investment portfolio. As our society, continuously and rapidly modernizes and population grows in most parts of the world, the need for housing and infrastructure also increases. The real estate market is an … Read More

Australian housing finance data for July

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Home loans up 2.9% m/m, a beat expected 1.0%, prior was 1.2% revised from 0.5% Investment lending down 3.9% m/m … the RBA will see this as showing policies to limit investor borrowing working prior was 2.3%, revised from 1.6% Owner-occupied loan value up 0.9% m/m … renewed efforts on … Read More

Bigger Isn’t Always Better When It Comes to Financial Advice

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Here’s why a smaller, independent adviser could be a better fit for your financial needs than the big-name institutions. To start with, there’s the bewildering array of titles, including broker, adviser, planner, manager and even coach. By the time they get to the method of compensation (fee-only, fee-based or commission) … Read More

Breaking down the budget.

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Budget can be a tough time, even if you are financially savvy. Politicians are experts at putting forward a budget that sounds amazing (spin anyone?) but when you break it down it affects you more than you realise. So how does the 2017 budget affect you? Let’s take a snapshot … Read More

Are you looking to invest in property? Here’s what you need to know before you get finance.

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If you’ve made the decision to invest in property you’ve probably done your due diligence in making sure it’s the right choice for you. If you’ve considered shares, stock market or gold and decided property investment is for you then let’s look at how to get into the right head … Read More

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