Approximately 9 per cent of Australia’s workforce are self-employed, according to a recent report from ABS. Many who fall into this category will know the difficulty in supplying documentation that accurately proves their income. Thankfully, this is not the obstacle it was 20 years ago, as many lenders now offer low doc home loans to […]
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It’s no secret – Australians are currently faced with record low housing affordability. Home prices have climbed faster than our incomes, and while the private and public sectors are both doing what they can to help, some first home buyers (FHBs) say it just isn’t enough. One proposed solution is to allow FHBs to use their […]
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A lot of people don’t fully understand why you might need professional mortgage and finance advice. After all, this is the age of the Internet. Anything an adviser knows you could surely find out yourself, right? Not exactly. In today’s market, everyone can benefit from having an expert help find the most suitable home loan. […]
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If you have no credit or bad credit, home ownership may feel unattainable. Many lenders don’t work with clients who have low credit scores, and often the deals that are offered are less than appealing. Worried about applying for a home loan because you don’t have the right credit or have been told ‘no’ before? […]
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Paycheck after paycheck, Australians watch 9.5 per cent of their earnings go into designated superannuation funds. With so much money being stashed away, it’s no surprise more and more Australians are opting for self managed super funds (SMSF) that allow individuals much more control over how their nest egg is invested. SMSFs now account for […]
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The sad truth is if you have some unwise financial decisions in your past, those mistakes may haunt you for a long time. If you ran up too much credit card debt for your own good, or bought a car you couldn’t afford, the side effects from such a misstep could stick with you. For […]
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In a perfect world, no one would ever have trouble with repaying their home loans. They’d simply take out money at a rate they could afford to repay, then steadily make the payments each month until they were squared away. The real world isn’t perfect, though. Plenty of people in Australia have loans with increasing […]
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If you’re like most Australians, you had to take out a sizable loan when you first purchased your home, and now you’re slated to spend decades of your life paying that money back. Needless to say, it can be stressful going through life with that heavy financial burden hanging over your head. For this reason, […]
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When you’re self-employed, you usually have a less structured lifestyle than if you were working a standard 9-to-5 job. This has both its pros and cons. Rather than showing up to an office at a set time, you probably have a little more freedom to set your own schedule and make your own decisions about how, […]
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You’ve heard how a bad credit score can keep you from getting any sort of loan. But while yes, it is true that a bad credit score can hurt your chances at getting a loan, it doesn’t completely halt your chances. Today we’re going to show you how a credit report has the ability to […]
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