It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is essential when you set out to [...]
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When people buy property together, particularly if it’s with a partner or spouse, they often register the title in both people’s names – especially if they’re going to live in the property. But other arrangements are possible, several friends might opt to own individual shares in a property, for example, or a couple might [...]
Most people want their home to be light, bright and airy, but sometimes the stars just don’t align and you can end up with rooms that are unavoidably dark – low on windows or facing away from the sun. With a few smart tricks (and clever renovations, if you’re up to the challenge) you [...]
As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and why is it considered bad? While adding a new deck or kitchen can increase the value and enjoyment of your property, overcapitalising can end up costing you more than you planned. Here’s a closer [...]
Insulation can potentially save you big money on energy bills, keep your home comfortable and reduce your carbon footprint. It slows down the transfer of energy to and from your house, so it keeps winter warmth in and summer heat out. There are plenty of options for what to insulate, and what materials you [...]
Once upon a time when the cash rate moved (up or down), most lenders would typically move their interest rate in alignment with the cash rate change. Have you noticed that when the cash rate moves up the lenders are quick to pounce on an increase and pass these increases on to us - [...]