by Nathan Osinski | Nov 28, 2018 | Community, Mortgage Tips
When it comes to paying off your mortgage, many of us are in the dark as to where we should be making significant savings. A good place to start? Cutting down on ‘micro-transactions’. The lure of micro-transactions – purchases that are low in cost and trivial in...
by Nathan Osinski | Nov 20, 2018 | Community, Mortgage Tips
Most of us roll our eyes when we start seeing shopping centres spruik Christmas merchandise in November. While it’s important not to get caught up in the festivities too early, now’s actually a great time to start prepping to ensure a budget blow-out...
by Nathan Osinski | Oct 5, 2018 | Mortgage Tips
A question we often get goes something along the lines of: ‘I make my repayments on time, and I save $1,000 per month, why is the bank saying I can’t service a loan?’ Here’s how banks conduct loan serviceability. When a bank calculates loan...
by Nathan Osinski | Sep 27, 2018 | Credit Rating, Mortgage Tips, Personal Lending, Planning for the future
Many people only pay their bills on time to avoid being slugged with late fees and a bad credit rating. But a big change this month means that you can now be rewarded for timely repayments. From mid-September, ANZ, NAB, Westpac and CBA all agreed to commence...
by Nathan Osinski | Sep 20, 2018 | Mortgage Tips, Personal Lending, Real Estate
Whether it’s unrequited love, or an unsuccessful home loan application, getting your heart broken is never easy. Here are five common reasons home loan applications are rejected. Due to the banking royal commission, lenders are cracking down on home loan...
by Nathan Osinski | Sep 12, 2018 | Interest Rates, Mortgage Tips
With some of the major lenders recently lifting interest rates on variable home loans, we’ve had a number of enquiries this week as to whether now is a good time to lock in an interest rate. As predicted, Westpac’s recent decision to increase variable home...
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