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We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process. Buying a home is an exciting prospect, but it’s perfectly natural to have a big dose of nerves given that you’re likely committing…

Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list. It’s a fair bet that your home loan repayments are one of your biggest household…

When it comes to buying investment properties, younger Australians are punching above their weight, with Millennials taking the title as the nation’s most active generation for property investment. Investors are continuing to flock to the property market, with the Australian Bureau of Statistics saying the volume of new investor loans in February was 21.5% higher compared…

In the world of lending, understanding the differences between different mortgage features is crucial for making informed decisions. Two common features that borrowers often encounter are offset accounts and redraw facilities. While both can be valuable tools for managing your mortgage, they serve different purposes and have distinct characteristics. In this article, we’ll explore the…

You may not feel richer, but if you’re a homeowner, there’s a decent chance your personal wealth has surged over the past 12 months thanks to soaring property values. And it could open up a world of exciting possibilities. Sometimes you’ve just got to shake your head in disbelief at the resilience of the property…

Nobody likes missing out on a good thing. But then again, who likes overpaying? So how do you strike the right balance when both fears can work against one another? The property market rarely stands still. Interest rate movements, the number of homes listed for sale, and even the time of year can all drive…

Property trusts have been around for many years, mainly used by investors to protect their assets and cut down on taxes. Not many people use trusts when buying property, even though they work so well. So, let’s chat about what exactly a trust is, what’s good about buying property through one, and what’s not so…

For many homeowners, a mortgage is the most significant financial commitment they’ll ever make. However, circumstances change, and what was once the best deal may no longer be optimal. That’s where mortgage refinancing comes in. Whether you’re looking to lower your monthly payments, shorten your loan term, or tap into your home equity, refinancing your…

There’s something very special about moving into a newly built home or putting the finishing touches on a major renovation. Maybe it’s the look and feel of new paint and fresh flooring, or just knowing you’ve kicked a worthwhile goal. Whatever the motivation, plenty of Aussies are rolling up their sleeves right now, with the value…

Spare cash can be tight right now (cost of living crunch, anyone?). But if you’ve still got some savings plus a home loan, there’s a way you could make your surplus funds work harder. Ever heard of an offset account? They’re becoming an increasingly popular add-on feature to home loans, with new data showing that…