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The top 3 myths about Mortgage Brokers that are costing homeowners
There are many myths about Mortgage Brokers circulating in the community. This doesn’t help with the navigation of Home Loans – because it can already seem pretty overwhelming. If you get it wrong, with your home loan, you can end up spending too much on interest rates and fees, have a product that doesn’t…
Top 3 mistakes homeowners make when trying to reduce home loan repayments
Trying to reduce your home loan repayments can feel overwhelming. Getting it wrong can cost you and your family significant amounts of dead money that continues to add pressure to the household budget. Get it right can relief pressure on your household budget, with savings that you can redirect to other household expenses – or…
When is the right time to invest in property?
When is the right time to invest in property? Most experienced property investors will say it’s when you can afford it! Most will suggest you don’t focus on trying to time the market, but instead put your energy into finding the best quality investment property you can afford. With interest rates so high, surely now,…
How to use equity to buy an investment property
Getting your first home is usually a battle however, getting your first investment property can generally be easier. This is because you don’t have to save up the deposit, stamp duty and fees. You can use the equity to buy an investment property – equity that has built up in your own home from paying…
How much deposit money do I need for my first home?
How much deposit money will you need to buy your first home? Of course, this depends on the purchase price of the property, but it also depends on a few other things. I’ll walk you through them. Yes, tricky to work out – well not complex, just a bit of research. If you don’t have…
Fixed interest ending? Repayments increasing? Selling might not be your best option!
With rates rising as fast as they have been home owners and investors who took out their loans on fixed rates are gearing up to feel the squeeze with fixed interest rates ending and mortgage increasing. Is your fixed interest ending? Is your mortgage increasing? Many are even planning to sell – with a fear…
Should you refinance your home for a lower interest rate?
Have you been wondering if you should refinance your home for a lower interest rate? Many of my clients have been asking this. With mortgage interest rates going through the roof, there is a lot of financial pain in many households. Are you one of them? Have you wondered what your options are? My belief…
This is not the time to invest in property!
This is not the time to invest in property! Or at least… that’s what many people will tell you. But is it true? It’s pretty common, across the board, to believe that this is not the time to invest in property. And on the surface that seems true! Rising interest rates. Prices falling in many…
Lessons learnt on my property investment journey
I bought my first investment property in 2009, and not long after – unexpected life events challenged me. The first life event was unexpected illness. It impacted my ability to earn money and I was concerned I could lose my property. Luckily I sought help – found different options for income and kept my property…
Inspirations – from my journey in the world of finance and investment
Early in my career I watched a mentor of mine buy and take care of property investments herself. I loved her independence, how she took control of increasing her financial worth. I also watched friends buy an eight-bedroom house, and pay it off in five years, by renting out rooms. I was inspired by how…
Keeping your credit report squeaky clean
Keeping your credit report squeaky clean means you should have a good credit score. When you have a good credit score you fit into more lenders’ policies. If you have a lower credit score, less lenders are willing to lend to you. Unfortunately, this also means the number of products that you have to choose…
Feeling stuck in a job, stuck with a mortgage
A couple of years ago I was employed in a small business that had been a great fit for a period of time. It was a great experience, but like small businesses, it was constantly changing and not all the changes resonated positively with me. I found myself faced with feelings that things were no…
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