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Search Mortgages Update

It has been announced that responsible lending will be scrapped leading to less onerous credit rules to encourage the flow of loans and boost the economic recovery from the COVID-19 recession. In a shift from “lender beware” back towards traditional “borrower beware”, Treasurer Josh Frydenberg will dump the responsible lending law that was imposed by

Search Mortgages Update

Another fortnight has come and gone and the Crows still haven’t won a game (still too raw!).  But the good news is Adelaide has again survived a 2 person outbreak of Covid-19 and our pubs and restaurants are still open.  Hopefully with Spring around the corner we’ll see a rise in home buying, investing and

How to Grow, Harvest & Use Your own garlic

Every year in autumn we prepare a sunny spot in our veggie beds for growing garlic. We’ve found the growing process rewarding with the flavoursome fresh cloves used enthusiastically in every meal. You can buy garlic for planting online, at a nursery or from a local grower at the markets. Standard, imported garlic from your

Search Mortgages Update

May saw a substantial drop in new home loan lending across Australia, and you would imagine with Melbourne being in Lockdown that June will also be low. But despite this drop the ABS revealed that refinancing has hit a record high, with external refinancing numbers hitting 29.19 per cent from April to May and 63.10

Create a Zen space at home

Lately, under COVID-19-related restrictions, the home has become much more than a home. For many, it’s been a school, an office, a gym, a restaurant and an all-round activity centre. Because of this, it’s arguably more important than ever before to make sure your home has a dedicated space where you can relax, switch off

How to ‘fake’ a renovation in 7 steps

Many of us would love to live in a freshly renovated home. But did you know there are ways to overhaul your property without spending a lot of money, or knocking down walls? Have you just bought the worst house on the best street? Or maybe you are waiting to save up for your dream

Search Mortgages – Finance Update

Buyers taking advantage of early super access Some buyers are using the $10,000 that they can access (per financial year) as a part of the early release of superannuation funds to put towards their home deposits, enabling them to avoid LMI or just qualify for a loan.  Despite possible penalties, researchers have found that around

Credit reports: How they affect your loan application

If you applied for a home loan in the current financial environment , your lender would probably assess your application in the context of both your credit score and your credit history – on top of your income, assets, liabilities and living expenses. Your credit score is a number calculated by a credit-reporting agency, which

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