Blog

June 28, 2018

5 Tips for Selling in Winter

Are you listing your property for sale this winter? While Spring is often perceived as the best time to sell, there are some great advantages to selling in winter…

One of the biggest advantages your property will have is a lack of competition from other similar properties on the market compared with busier selling periods like spring. With this in mind, it’s still important to make sure your house is the best presented one for those buyers willing to brave the...

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June 28, 2018

To Downsize or Not to Downsize

Whether you are retiring, looking to free up some capital, or simply wanting to de-clutter, downsizing can offer some real advantages – but it also comes with some downsides. We weigh up the pros and cons of making this lifestyle change.

PRO: A smaller home means smaller bills
If you are looking to save on daily living costs, downsizing into an apartment or smaller home usually means you will save on basics such as heating costs, electricity, and house insurance.

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June 28, 2018

The Handy Loan Feature

Provided by Search Mortgages

It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why:

The redraw facility explained
A redraw facility lets you make additional repayments to reduce your variable rate home loan balance and save on interest. If you pay more than your minimum scheduled repayments, then you’ll have money available to redraw from your home loan.
The redraw facility is a common feature of many home loans. It’s not...

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May 30, 2018

Landlords, Tax Time is Looming!

Now is the time to carry out that last minute maintenance and even a renovation or two to maximise your return.

Renovating your investment property may seem like a daunting task, but making adjustments and improvements to your investment can reap rewards.

Keep in mind that any renovations which are completed should increase your depreciation claim for eligible items, which in turn will reduce your tax bill. You may also be eligible to ‘scrap’ any assets you’ve removed during renovations. While repairs and...

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May 30, 2018

Get your backyard Winter ready

While our Australian Winters are relatively mild (by global standards), many of us avoid our backyards between June and September. It’s time to change all that…

By investing in a few key elements, you can make your backyard and outdoor entertaining areas comfortable all year round.

Cosy nooks
Small has its advantages in winter: look at your cramped balcony as a cosy hideaway in the making.  Turn your outdoor furniture from Summer to Winter by layering up cushions and throws on the...

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May 30, 2018

What Would A Loan To Income Cap Of 6 Times Look Like?

Cameron Kusher | CoreLogic RP Data

The recent Royal Commission on Banking has shone the spotlight on responsible lending over recent years and turned our attention to what the future may look like…

In a recent letter to all Australian authorised deposit-taking institutions (ADIs) entitled ‘Embedding Sound Residential Lending Practices,’ the Australian Prudential Regulation Authority (APRA) indicated that lenders need to limit lending at very high debt to income levels.  The actual wording of the comment was, “APRA expects ADIs...

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April 29, 2018

What to consider when buying a second property

Buying your own home remains the great Australian dream – and purchasing a second property may help you take your wealth further.

Whether you’re building your property investment portfolio, buying a holiday house or supporting a family member, there are plenty of things to think about before you take that next step.

Consider your cash flow
Property tends to be a long-term investment, so do your sums to make sure you can afford the ongoing repayments on two mortgages. Also think about...

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April 29, 2018

Behind the Curtain: Interior Designer Tips

Some inside knowledge can go a long way in helping you achieve a winning interior. But some tips and tricks of interior design aren't always so obvious.

Here are some surprising things that Interior Designers know that can make a big difference to how you look at your home.

Small rooms need big furniture
Contrary to popular belief, small-scale furniture in a small room actually makes things look, well, really SMALL.

We all know how to make our legs look longer, or minimise...

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April 29, 2018

Try before you buy

If you’re thinking about buying a home, it’s likely that you have a dream suburb in mind.

But if it’s not where you currently live, familiarising yourself with the area before buying can help prevent an expensive mistake. Renting in this location is a sure fire why to ‘try before you buy’ while discovering the good and less appealing aspects of the area.

How renting can help house hunters
Whether you’re a local, interstate or out-of-town house-hunter this approach will allow you...

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March 29, 2018

Top 10 Indoor Plants

If you are looking for that single, secret ingredient that has the ability to make just about any room look better, it’s a plant. The humble house plant is well and truly back on trend, and for good reason. A splash of healthy greenery instantly lifts a space to make a room feel fresh and welcoming. On top of that, indoor plants are great for purifying the air and creating a healthier home. If you feel like one of your...

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