07/26/2018

How long will it take to sell your home?

How long will it take to sell your home?

How long will it take to sell your home? We’ve had a closer look at the numbers around home sales in Australia to give you a better idea. The average Australian home takes 45 days to sell or 40 if…

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07/26/2018

Property vs neighbourhood: Which is most important?

Property vs neighbourhood: Which is most important?

Unfortunately, most Australians can’t afford the best house on the best street. For that reason, buying real estate is a constant compromise between budget, location and the physical attributes of the property. With that compromise in mind, what’s more important…

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07/26/2018

What is the First Home Super Saver Scheme?

What is the First Home Super Saver Scheme?

As of December 2017 the average house price in Australia was $687,000, according to Australian Bureau of Statistics data, although this average is considerably higher in population centres like Melbourne and Sydney. These prices make buying your first home a…

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07/26/2018

3 home loan tips that could make repaying your loan easier.

3 home loan tips that could make repaying your loan easier.

The average size of a home loan in Australia is almost $400,000, according to the Australian Bureau of Statistics. Most people will repay their loans over 30 years, during which time they’ll be charged a whopping $319,820.45 in home loan…

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07/02/2018

Common home loans: why and how to repay them quicker

Common home loans: why and how to repay them quicker

Finding the ideal home loan and the best way to pay it off can seem insurmountable alone. But with the help of an experienced broker, it’s much easier finding terms that will suit you. Read on for our guide on…

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06/25/2018

Should you build your own investment property?

Should you build your own investment property?

Building an investment property is a labour of love – while it does require a lot more work than simply buying a pre-built unit, it’s the perfect way to ensure you come out with a property that you love. It’s…

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06/04/2018

What is negative gearing for property investment?

What is negative gearing for property investment?

Negative gearing – it may seem like investor mumbo jumbo, but it’s really quite a simple concept to get your head around. More than that, it’s an important option in an investor’s toolkit when looking for a property to invest…

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06/04/2018

How to purchase your next car with a car loan

How to purchase your next car with a car loan

Australians have a few options when it comes to financing a car, and you should make sure you know what each finance option entails before committing to one or the other. Different types of financing can cost more or less…

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05/28/2018

What is the ideal property type for your first home?

What is the ideal property type for your first home?

Getting ready to buy your first home is an exciting time. While saving for your deposit or wading through the intricacies of home loans can be a strain, it’s all worth it when you can finally start picking out your…

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05/15/2018

4 renovation tips to boost your house sale

4 renovation tips to boost your house sale

Looking to sell your property this year but unsure how to get the best price? Pre-sale renovations are a great way to make sure your property is snapped up for a better market value. So, what do you need to…

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05/07/2018

Fixed or variable – what’s the ideal home loan for you?

Fixed or variable – what’s the ideal home loan for you?

Home loan options can be challenging for those unfamiliar with the fluctuations of interest rates. So how do you know which home loan is ideal for you: fixed or variable? Read on to learn more about what fixed and variable…

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05/04/2018

5 must have features for your investment property

5 must have features for your investment property

Buying an investment property brings with it a lot of choices, but rest assured, there are certain features which every investment property owners should consider to increase their property’s rental yields and ensure value growth. An area of strong economy…

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04/09/2018

Popular holiday spots to invest in

Popular holiday spots to invest in

Australia’s natural beauty, vibrant culture and outdoor pursuits make it the ideal destination to invest in a holiday home. A property that is not only an investment in your quality of life, renting it can be an income all of…

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03/26/2018

The questions you should ask before getting a home loan

The questions you should ask before getting a home loan

Taking out a home loan can be a nerve wracking experience, particularly for first time buyers. The key to making the experience not just bearable but fruitful is to understand exactly what you are taking on. Here are the questions…

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03/13/2018

Tips for first-time buyers in 2018

Tips for first-time buyers in 2018

The Australian housing market hasn’t always been a friendly place for first time buyers. With property prices looking as if they may soften for the first time in over half a decade, 2018 could be the year to get a…

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03/01/2018

3 reasons why now may be the time to consider a commercial loan

3 reasons why now may be the time to consider a commercial loan

There’s no better time than the present to expand your business. The past few months have seen business conditions rise well above the long-run average, according to NAB’s November monthly business report. Successfully growing your company is all about knowing…

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02/21/2018

How to find the best tenants for your investment property

How to find the best tenants for your investment property

Getting the best value out of an investment rental is a collaborative effort between the landlord and a great tenant. To achieve long-term returns on a rental, the property has to last – and that means finding tenants who are…

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02/12/2018

Can you ask for a discount on your mortgage rate?

Can you ask for a discount on your mortgage rate?

Haggling doesn’t come easy to many people. Negotiating over the price of goods and services simply isn’t that common in some countries. But are homebuyers missing out on thousands of dollars of savings because they balk at bargaining? The answer…

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02/05/2018

4 mortgage terms you need to know when buying a home

4 mortgage terms you need to know when buying a home

Purchasing a property is a huge financial decision, which is why people should familiarise themselves with the mortgage process and any essential terminology. Unfortunately, recent research has indicated many Australians aren’t as familiar with common home loan terms, as they…

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01/22/2018

4 reasons why you should use a mortgage broker in 2018

4 reasons why you should use a mortgage broker in 2018

Are you looking to purchase a property in 2018? A member of our team can help you get the ideal home loan for your circumstances. We believe using a broker always gives people an added edge when on the hunt…

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01/14/2018

What tax deductions are available for investment properties?

What tax deductions are available for investment properties?

Investment properties are a popular long-term wealth strategy for Australians, delivering both a regular income stream and an asset that should appreciate in value over time. One-fifth of people in the country had at least one investment property in 2016…

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01/08/2018

Will property prices fall in 2018?

Will property prices fall in 2018?

Falling property prices are often good news because they mean prospective homeowners can clinch a more affordable mortgage. But Australian real estate values have been moving in the opposite direction for some time, making it difficult for many people to…

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12/19/2017

4 benefits of using a personal loan to consolidate debt

4 benefits of using a personal loan to consolidate debt

Paying off debt was a priority for Australians in 2017, with finder.com.au figures showing that 30 per cent of people made this their New Year’s resolution last year. Unfortunately, these efforts weren’t entirely successful. Personal insolvencies climbed 8 per cent…

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12/12/2017

Why diversity in your property portfolio is key.

Why diversity in your property portfolio is key.

If you’re fortunate enough to be investing in multiple pieces of real estate, it’s best to diversify your purchases rather than buy all in one location or one category of property. Having a diverse portfolio makes it easy to weather…

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12/04/2017

How to start saving to buy your first home.

How to start saving to buy your first home.

For many people in Australia today, especially those on the younger side, having the means to buy a house all by oneself is simply unrealistic. While they’d love to throw down $100,000 in cash for a deposit on a nice…

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11/26/2017

Is now the right time for you to refinance?

Is now the right time for you to refinance?

If you’ve got a home loan and you’re looking ahead to many, many years of making hefty repayments, it’s only natural to look around for a better deal. Countless Australians are wondering right now whether it’s a good time to…

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11/21/2017

How to start budgeting to build a home

How to start budgeting to build a home

There are a number of reasons you may choose to build a home rather than buy an existing one outright. For starters, it’s often cheaper, and additionally, you have a greater level of control over the process, meaning you can…

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11/14/2017

Why millennials need to start saving.

Why millennials need to start saving.

There’s always been a gap between the generations when it comes to homeownership – older people and their families in Australia have traditionally had greater means to buy property than their younger counterparts. And if you believe the latest research,…

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11/01/2017

How much money do you need to start investing in property?

How much money do you need to start investing in property?

If you want to bolster your wealth for retirement in a big way, one option is to begin investing in property. Do you have enough cash to consider it? For many Australians who are looking to carve out a retirement…

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10/22/2017

What can vacancy rates tell you about a potential property?

What can vacancy rates tell you about a potential property?

Before you buy investment properties in Australia, you may want to take a look at vacancy rates. These stats can tell you your potential to make a profit. As you prepare to buy an investment property in Australia for the…

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10/17/2017

Unlock the value of being pre-approved for a new home loan

Unlock the value of being pre-approved for a new home loan

Looking to secure a home loan? The easiest way to do so is to get pre-approved. Let’s discuss how this process works and how you can get a head start on it. Unless you’ve got hundreds of thousands in cash…

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10/08/2017

How renovations can add real value to your home

How renovations can add real value to your home

Renovating your home might sound expensive – but if you do it right, you may well be able to add to the property’s value and make money in the long run. Many people are turned off by the idea of…

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10/02/2017

Saving as much as possible to make a deposit on a home

Saving as much as possible to make a deposit on a home

If you’re planning to buy a home, the golden rule is to save as much as possible to make a deposit. Nowadays, it’s more challenging than ever to do so. In Australia in recent years, we’ve witnessed a troubling pair…

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09/14/2017

How you can add value to your home by renovating

How you can add value to your home by renovating

You spent a lot of time saving to buy a home, and once you finally manage to swing that huge expense, the last thing you want to do is get out the chequebook and spend even more. But have you…

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08/29/2017

Finding the right time to refinance your home loan

Finding the right time to refinance your home loan

If you’ve got a long-term schedule for loan repayments to buy your home, refinancing that loan can be a great way to save a lot of money for yourself and your family over the long haul. Fed up with the…

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08/15/2017

Self-employed people have happy lives – but can they buy houses?

Self-employed people have happy lives – but can they buy houses?

There are a lot of benefits to being self-employed. Rather than having to show up to an office and report to a boss, you instead get to take control of your own career. You decide when and where you work…

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07/27/2017

Housing affordability myths debunked

Housing affordability myths debunked

Ever feel lost in a sea of home loan information? CoreLogic’s Perceptions of Housing Affordability report revealed that Australians are misinformed about a number of aspects of the home buying process. Are untruths keeping Australians from buying property? We debunk some common myths to…

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07/17/2017

Should you get help from your parents with buying a home?

Should you get help from your parents with buying a home?

The cost of buying a home in Australia is spinning out of control, especially if you’re looking in one of the larger metropolitan areas. According to new research from LF Economics, the median price of a house is now 10…

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07/12/2017

Getting help from a contractor to build a new home

Getting help from a contractor to build a new home

If you’re not up for the financial challenge of buying a house, it’s usually a cheaper alternative to build a new place from scratch. Vacant land is relatively affordable, and if you build on it yourself, you get to have…

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06/21/2017

Why Gen Y is waiting to buy

Why Gen Y is waiting to buy

Millennials – those born between 1982 and 2004 – might roll their eyes when their parents lecture about why “Gen Y” hasn’t done enough to buy their first home. These aren’t the good old days when baby boomers were approaching…

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06/08/2017

Are you willing to work five jobs to afford a house?

Are you willing to work five jobs to afford a house?

If you’re a young person in Australia just starting out in your career, it’s easy to feel daunted by the cost of buying a house. The price tags can be astounding – $600,000? A full $1 million? Who has that…

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05/17/2017

Avoiding risky investment schemes when going into real estate

Avoiding risky investment schemes when going into real estate

Investing in property can be a great way to bolster your wealth and leave a little something extra behind for your family. If you have some money saved up already, a great way to build upon it is to buy…

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05/08/2017

Are you considering constructing your own home from scratch?

Are you considering constructing your own home from scratch?

Buying a house is an arduous task. In all likelihood, you’ll have to spend hours scouring the market for available real estate, then compete with dozens of other buyers who are all looking to buy in your neighbourhood too. Then…

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05/01/2017

Saving up to buy a home is a serious long-term process

Saving up to buy a home is a serious long-term process

If you want to become a homeowner in Australia today, it is not going to be cheap. According to research from RP Data, the average price of a home is $852,000 in Sydney, and $641,200 in Melbourne. You’d have to…

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04/17/2017

When should you refinance your loan?

When should you refinance your loan?

If you’re having trouble making the payments on your home each month, it will always be tempting to refinance your mortgage and work out a new arrangement that’s more realistic for you financially. This is a big step, though, and…

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04/12/2017

How to save faster and purchase a home sooner

How to save faster and purchase a home sooner

Many young Australians spend much of their early adulthood slowly growing in their careers and building up savings, to the point where they can eventually afford a down payment on a home. For young people who don’t have high-paying jobs or…

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03/27/2017

Is now the right time for you to take out a mortgage?

Is now the right time for you to take out a mortgage?

There’s no time like the present to buy a house. After all, even though a new home brings an extraordinary expense, it’s also a good value over the long run. Every month you’re living in your own place means another…

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03/24/2017

Before you buy a home, be sure to inspect it thoroughly

Before you buy a home, be sure to inspect it thoroughly

The moment you discover a house that might be a fit for your family, you’ll be tempted to move in right away. If it looks like the right place for you, why wait? You’re surely eager to begin your new…

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03/06/2017

How much could consolidating your debt save you?

How much could consolidating your debt save you?

Most Australians have at least a little debt. It’s something that causes significant stress according to a Canstar Blue survey that found loan repayments were amongst the biggest financial concerns of every day Australians. Are you worried about your debts?…

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02/27/2017

3 home loan fees you may not see coming

3 home loan fees you may not see coming

Handling your home loan is a cinch if you know what to expect. However, plenty Australians may not know the bare minimum, as according to a Credit Union Affiliates survey 28 per cent of mortgage holders in the country don’t even know…

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02/13/2017

3 reasons why a mortgage broker will make your home loan easier

3 reasons why a mortgage broker will make your home loan easier

When you think of a home loan, words like stress free, simple, or saving money probably don’t come to mind. Stress and confusion would probably be closer to the truth, but it doesn’t have to be that way with the…

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01/16/2017

Advice for first home buyers via the words of famous witches and wizards

Advice for first home buyers via the words of famous witches and wizards

You might be at a stage when friends are buying homes and paying off mortgages and you’re left wondering how they’re accomplishing it. Is it witchcraft? Is it wizardry? We think not. To buy a home in Australia, it takes…

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12/22/2016

4 tips for running the mortgage marathon faster

4 tips for running the mortgage marathon faster

Paying off your mortgage is a marathon, not a sprint. There’s certainly no urgent rush, but it might take you 20 or even 30 years to cross the finish line, so it’s in your best interest to pay it off…

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12/09/2016

3 signs it’s time to refinance and consolidate your debt

3 signs it’s time to refinance and consolidate your debt

Have you got a buy now/worry later mentality? An AMP NATSEM Income and Wealth Report shows that the majority of Australians do, as average household debt was almost double that of average household disposable income last year. Rolling your debt…

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11/27/2016

Buying property in Sydney and Melbourne can be cheaper than renting

Buying property in Sydney and Melbourne can be cheaper than renting

Buying a home might be easier than you’d expect. In fact, if you buy right and get solid financial advice it could be even more affordable than renting – after you pay the dastardly deposit of course. “Tell ’em he’s…

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11/22/2016

Rentvesting: A property market hack for first home buyers

Rentvesting: A property market hack for first home buyers

Here in Australia there’s an accepted way to buy your first home. It usually involves striving to put together a deposit then buying what you can afford, which will probably be located far out of the city, requiring a long commute…

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11/14/2016

3 tips to ensure your strata-plan home will work for you

3 tips to ensure your strata-plan home will work for you

Apartment living might be perfect for you. You may be able to find something modern, exactly where you want to live, or perhaps you just want the ability to ignore the neighbours by simply shutting the door. Whatever your reasons,…

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11/07/2016

How to negotiate like a pro

How to negotiate like a pro

Having a place to call your own is the dream of many of us. For around 70 per cent of Australians, this goal of home ownership is a reality, according to data from the Bureau of Statistics. However, taking the…

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10/31/2016

How you can save more, every day

How you can save more, every day

According to the Australian Financial Literacy Foundation, we’re a country of confident savers. However, 50 per cent of the population doesn’t budget for day to day expenses, which leads us to believe that maybe we’re a bit too confident about…

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10/25/2016

What do you need to know about the NSW First Home Owner’s Grant for new homes?

What do you need to know about the NSW First Home Owner’s Grant for new homes?

The median house price in Sydney has spiralled upwards and now sits at an amount well out of the reach of most first home buyers. The same can be said about most capital cities around Australia. Thankfully, the local government…

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10/20/2016

Back to basics: what is loan-to-value ratio

Back to basics: what is loan-to-value ratio

If you’ve just begun looking into buying property and are figuring out how to get a home loan, it can all be a little overwhelming. You may be forever fielding calls from overeager estate agents, perhaps you’re struggling to adjust…

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10/11/2016

Buying off the plan: the pros and cons

Buying off the plan: the pros and cons

You’ve probably heard a hundred horror stories about buying off the plan: including developers going bankrupt and finished homes being completely different from what was expected. As a result, you may believe that buying off the plan is an incredibly…

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09/26/2016

Surprise! 3 hidden costs of buying a home

Surprise! 3 hidden costs of buying a home

Buying a home costs far more than it’s sale price. There are countless other expenses involved, several of which you may not expect when you make your purchase. If these come as a surprise, they could derail your property dreams…

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09/11/2016

How much could failing to maintain a property cost you?

How much could failing to maintain a property cost you?

Whether you own commercial property or residential real estate, maintaining your property is all part and parcel of the process. Despite this, too many Australians end up having to take out a significant additional home loan because they failed to…

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09/02/2016

3 basic tips to help you save for your first home loan deposit

3 basic tips to help you save for your first home loan deposit

Saving for a deposit and securing your first home loan can be daunting tasks for younger folk. However, the earlier you start readying yourself, the easier the task will be; begin preparing just months before and you’re guaranteed to struggle. Many Australians from…

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08/26/2016

3 home loan management tips via Game of Thrones

3 home loan management tips via Game of Thrones

Buying a new property and managing the resulting home loan can be a mountain-sized task fraught with dangers, much like taking back the Seven Kingdoms of Westeros from their unlawful king. To make sure you don’t fall short in the ensuing siege…

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08/19/2016

First home grant: How much can I get and am I eligible?

First home grant: How much can I get and am I eligible?

Back in the days of black and white TV, speakeasy bars and top hats, your grandparents most likely bought their first home mortgage-free with their combined annual salary and a dozen eggs. Unless you win the lottery or have a chicken who…

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08/12/2016

When and why a personal loan is a good idea

When and why a personal loan is a good idea

Every month, a glorious day slowly rolls around, where you log into your Internet banking and constantly refresh the page until you notice a large increase in your balance. You fist pump triumphantly, startling nearby colleagues with your unexpected outburst.

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08/05/2016

What should you consider other than interest rates?

What should you consider other than interest rates?

Interest rates are an incredibly important part of your home loan. After all, they are the dictating force over what the final cost of your new property will actually be. However, while you should always consider this factor in your…

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07/29/2016

Are you prepared for the hidden costs of building a new home?

Are you prepared for the hidden costs of building a new home?

There are a number of reasons you may decide to build a new home rather than purchase an existing one. You might be an investor wanting to get on board in a new growing neighbourhood, you could want a bespoke…

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07/22/2016

Is your business going to hold onto vital talent?

Is your business going to hold onto vital talent?

One of the keys to success in the world of business is not only getting the right assets, but retaining the right talent as well. In a competitive landscape, particularly for smaller businesses, it can be very difficult to retain…

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07/15/2016

What does the property market of the future look like?

What does the property market of the future look like?

Are you looking at purchasing property but don’t know whether it’s the right investment? Wouldn’t it be fantastic to be able to predict what is going to happen to that townhouse, apartment or suburb? We aren’t fortune-tellers, but we like…

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07/08/2016

Are you a Patient Percy, a Rental Rose or a Construction Keith?

Are you a Patient Percy, a Rental Rose or a Construction Keith?

Are you looking to invest in property with a new home loan, but are flummoxed by the number of different strategies and methods of improving your portfolio? Check out these three typical kinds of investor, and see if you fall…

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