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Finance Despite A Bad Credit Rating

Sometimes an individual is left with a bad credit rating after the breakdown of a relationship, and can be rejected by lenders because of it. But that need not be the end of the story. Following her separation from her husband, Natalie was left with a bad credit rating and had

Five Simple Ways To Increase Loan Repayments

Paying off a mortgage can seem relentless – every payment counts of course, but it can seem to be taking forever to make a dent. Here are some simple ways you can increase the amount you pay off and own your home sooner. Reducing the principle on your mortgage as quickly

RBA Keeps Interest Rates on Hold in October

The Reserve Bank of Australia has left the cash rate on hold for the 14th consecutive month, in a move widely expected. It would appear from the RBA’s monthly statement, that they will continue to take a ‘wait and see’ approach and any rate change this year would be unlikely. “In the

Family Guarantees Can Help You Buy Your Home

Don’t let poor credit stand in the way of achieving your goals. A family guarantee and the right advice can see you well on your way. Matt and Natasha had found their perfect first home. However, there were a few hurdles: they didn’t have the money for a deposit, Matt had

No Deposit? No Worries

If you have a stable income but don’t have the cash for a deposit, an expert may help find a way to turn your dreams into reality. Robert and Brooke had a good, solid income but they didn't have a sufficient deposit to be able to buy a property. They had

RBA Maintains Run of Record Low Rates

True to economists’ expectations, the RBA has again left the cash rate untouched during September. In his monthly statement, Governor Glenn Stevens sighted the decision to leave rates on hold was heavily influenced by the high Australian dollar and increasing unemployment. "Monetary policy remains accommodative. Interest rates are very low and have

What To Do When Your Loan Is Declined

If you don’t receive approval don’t give up. Speak to a professional in the industry and keep your dream alive. Penny Holland* had found her dream home and made an offer, which was accepted. Now all she had to do was get her loan approved and she would be on her

Why Your Credit Adviser Is Calling You

Wondering why your credit adviser is contacting you six months after you've settled on your property? The simple answer is that a credit adviser is with you for life. You've scored the home of your dreams with the help of your credit adviser and you've just popped the bubbly to celebrate.

Rules Of Investment

When you’re trying to secure finance for an investment property, it’s important to keep a few simple rules in mind to make sure you get the best deal possible and will be able to afford the repayments, come what may. If you’re thinking about purchasing an investment property, it’s important to

Buying A Property With Friends

If you’re looking for a creative way to overcome being locked out of the property market by rising prices, buying a house with a group of friends may be a solution. It can also be a minefield though, so here’s how to avoid a blast. While the excitement of banding together