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Stay at Home Mum – Survive and Thrive on One Wage

    Mortgages

  • Rate Cut – But be Smart!

    Yesterday’s decision by the RBA to cut the cash rate by 0.25% will come as a welcome relief for mortgage holders. The cash rate is now 2.75% and at an historical low. For a home owner with a $300,000 mortgage the 0.25% rate cut will save them $62.50 a month in interest. Since November 2011 the RBA has cut rates by 1.75%. Now I know borrowers haven’t received the full benefit of the 1.75% as lenders have not passed on...

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  • Tips for Applying for a Home Loan

    Applying for a home loan is quite a simple process. It can however be a time of high emotion and frustration if you are not aware of the process or you engage an incompetent home loan advisor or broker to assist. Going through the process of obtaining a home loan is all about communication between the applicant and your bank, broker or advisor. You must feel comfortable in asking questions and you will gain even further comfort if your advisor...

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  • Do You Know Your Interest Rate?

    Do You Know Your Interest Rate? Guest  article from Paul Ryan from Intouch Finance Do you know your interest rate?  The New Year is always a time for reflection and goal setting and many of our thoughts tend to focus on improving our financial position and lifestyle. Whether it is to upgrade to a new home, start the search for an investment property or importantly look to reduce the monthly commitment and financial pressure on the household the New Year...

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  • Preparing for a Mortgage

    Preparing for a Mortgage My parent’s opened the door to their first real estate when I was eight. I used to think it was nine. It turns out I was wrong. Close. But wrong. And throughout the year mortgages, real estate, investing has been a big part of conversations around the dinner table. I had barely turned 18 and I was preparing to build my first house. The government was offering a first home owner boost and an additional building...

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  • Big House Big Mortgage

    Big House, Big Mortgage. Claudia and I own a big house. We own a massive house. It wasn’t that big when we moved into it a couple of months ago, and we haven’t done any extensions. We’re painting. Yes we (as in Claudia and I) are painting it, and with every room we paint the house seems to get bigger and bigger. I’m not the world’s best handyman, although I can bang a nail in the wall to hang photos...

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  • Can't Pay Mortgage

    Can't Pay Mortgage?? Well with the costs of living going up, bills and interest rates increases, one day you might find yourself in the situation where you can't meet your mortgage repayment. Shit!!!  What do I do now..... Don't panic!  Also do not wait until you are months behind and the bank is knocking on the door. Go to them explain the situation and see if you can find a solution to the problem. They don't want you to lose your...

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  • Deposit for a House

    Deposit for a House Buying your first home is like climbing a mountain - daunting, frightening - and it's damn easy to go home before you've even started!  But it is possible, and the hardest part is starting.  Setting goals is really important - choose a price range you are comfortable with - start small!  You don't have to have it all at the start - it's better to start small and affordable - and keep trading up!  At the...

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  • Building or Renovating

    Building or Renovating I am always proud to tell people that I built my own house.  Yep - right from scratch.  I designed it and I built it - myself.  Did I save a fortune?  Hell yes!  Was it hard: Bloody Oath.  But nothing worth having ever comes easily.  I can honestly say the four years it took to design and build a house from scratch was the best, worst, and most frustrating time of my whole life. The internet makes the...

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  • Offset Mortgage Account

    Offset Mortgage Account Keeping your savings in an off-set account WILL reduce the amount of interest you pay on your mortgage. If your not familiar with the term off-set account, Example: Mr T and Barbie have a $100,000 mortgage, and $10,000 in savings in a linked 100 per cent offset account. The principal on a $100,000 loan is reduced by the $10,000 offset account to $90,000. As a result interest only accumulates on the $90,000 balance of the loan. Repayments continue to...

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