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A Step Ahead

Refinancing could save you thousands – and give you greater flexibility

It’s often said that Australians are more likely to divorce their spouse than switch banks. But with plenty of competition in the home loan sector, refinancing can be a good move. There are a number of reasons why you might want to refinance: you can consolidate debt from high-interest credit cards into a home loan with…
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Waived LMI And No LMI

Did you know that Lenders Mortgage Insurance (LMI) premiums vary from lender to lender? On top of that, you often save more by reducing your LMI bill than getting a cheaper interest rate. The problem is that lenders don’t advertise their premium rates so it can be difficult to compare without a mortgage broker to…
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Saving for First Home using Super – FHSS Scheme

If you are planning to buy your first home (in Australia) any time soon or even in distant future then the information given here might help you save substantial amount for the initial deposit. Before I go in detail of the process / steps, let me inform about some key facts about this scheme: From…
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6 ways a mortgage broker makes getting a home loan easy

No matter whether you’re buying a first home, next home or planning to refinance your existing home loan, a mortgage broker makes it a lot easier to track down and apply for the right home loan for you. Not sure how a mortgage broker can help? We take a look at six ways a mortgage…
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How much is it safe to borrow… really?

“How much can I borrow?” It’s a question I get asked all the time… and it’s the wrong one. The right one is: “How much should I borrow.” Because, even though mortgage regulators are cracking down on how much banks are lending, chances are they will still extend you too much. And it’s tempting, when you’ve found…
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Confused about home loan pre-approvals? Follow these four steps.

Ready to buy a property? You’ll need to show the seller you have enough money. For most people, this will mean getting a loan, and the first step to getting one is obtaining pre-approval for it. Pre-approval – also known as conditional approval or approval in principle – is an indication from a lender as…
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Why refinance your home loan?

For previous generations of home owners, taking out a mortgage often meant sticking with the same loan and lender for the full term. Not so these days. In the 12 months ended August 2017 for instance, over 200,000 Australians refinanced their home loan[1]. These sorts of numbers make it logical to ask “why refinance your…
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All About Trusts

Trust Formation Do you feel you’re paying too much in tax? Many businesses do and aren’t sure what to do about it. Legal tax avoidance is a complex field best left to Religare Tax Accountants. One interesting option is through the use of trust, an organisational structure that offers many benefits including tax savings. Tax…
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First Home Buyer Cheat Sheet: 10 Tips To Buying Your First Home

First Home Buyer Cheat Sheet: 10 Tips To Buying Your First Home So you’re going to take the plunge into real estate ownership. Congratulations! You’ve just made a smart decision in securing your financial future. Let me help you with my top 10 tips for buying your first home. 1. Decide what you can afford…
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How to maintain a good credit score?

When you are applying for a loan, the first thing lenders will do is check your credit score – and this will have a strong impact on their ultimate decision. So what is your credit score and how do you maintain a good score that will impress lenders? The five elements of your credit score…
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