Homeownership often begins with understanding how to manage the financial risks associated with having a mortgage and managing your household finance.
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Financial stress is a common issue that affecting more and more Australians. It can be particularly difficult when your income is not increasing at the same rate as inflation. This means that the cost of living is increasing, but your income is not keeping up.
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Let’s explore why using mortgage brokers offer distinct advantages that can significantly benefit borrowers, with access to a wide range of lenders and expertise in navigating the complex mortgage landscape.
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In this article, we will guide you through the process of finding and selecting the right mortgage broker for your specific requirements.
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When we need a home loan, regardless if it’s to purchase or refinance a property, we tend to go to our existing banks as we feel that we have a relationship with either the brand, branch and occasionally with particular staff members themselves.
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With real estate agents increasingly encouraging sellers to take advantage of sellers’ market in-order to maximise their possible sale price, it’s no surprise sellers want to capitalise on bidder competition.
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For a savvy property buyer, good debt is any borrowed money which is used for investment purposes. Mind you, not just any investment i.e. buying part share is a greyhound syndicate doesn’t qualify as a good debt, the investment has to be income producing with a strong potential for capital growth over time.
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A home loan is usually the largest debt a person commits to during their lifetime, be it for a residential or an investment property purposes. Follow our tips to get the best interest rates for your home loan when refinancing.
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What should you be considering when looking to a property? Sometimes, it’s easy to get distracted by how a property looks or the colour scheme internally and external. Remember, if the property ticks all the boxes, hideous colour schemes can be painted over.
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At loansHub, we make getting a mortgage simple, easy and stress-free as possible.
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Mortgage applications typically require a lot of documents, loanshub.com.au request that the documents be uploaded during the application process to make your mortgage experience as efficient as possible.
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To get a clearer view of the mortgage process, it’s helpful to know some of the factors that will be considered when your mortgage application is reviewed.
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The Federal government has announced that they will be placing the Banking Royal Commission’s recommendation on ‘trail’ commissions on the back burner for at least 3 years
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Comparison rates take the hard work out of comparing the cost of different loans, but they are not the only thing to consider when you're shopping around for a loan.
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loansHub has compiled common mortgage terms that are frequently used by lenders and potentially misunderstood by some borrowers.
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With price of properties becoming unaffordable in sought after locations, parents are stepping in to help their children get on the property ladder. One of the most common way they’re assisting is by becoming a guarantor using the equity in their own property and on rare occasions, by being joint borrowers.
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Credit card balance is the total amount of money you owe on your credit card account at any point in time during the statement cycle.
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Maybe you’ve spent more than expected on renovations, or you’ve recently taken a personal loan for a new car, or you have racked up a large credit card balance, or you’ve decided to put your kid (s) through an exclusive private school.
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Mortgage repayment calculation consider these five factors:
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Your deposit contribution plays an important role when you’re buying a home. A deposit contribution is a percentage of your home’s purchase price that you pay up front when you settle your home loan.
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