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How to overcome mortgage stress

Managing mortgage stress as it gets tougher to refinance home loans With the low home loan rates on offer, refinancing your mortgage could potentially help you lower your monthly repayments and manage your finances better.     However, due to tighter lending conditions in the wake of the Royal Commission, Australian borrowers could face “tougher… Read More>>

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To build or buy? Construction loan and home loan

Choosing whether to buy an existing home or build a new one can be a complex decision, and one that many Australians are currently debating. From location and aesthetics to cost and convenience, both options have a range of pros and cons.     At HashChing, we’re passionate about arming our customers with all the… Read More>>

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What lenders look for in your bank statement

What lenders look for in your bank statement The law demands lenders to lend money responsibly. Thus, a lender must not give you money if they think you cannot service the debt or find you financially irresponsible. But how do lenders ascertain that? Mortgage lenders take time to carefully review your finances before approving you… Read More>>

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Ways to put up your home loan deposit.

What can you use to pay your home loan deposit Buying a home is a coveted dream for almost every Australian. Yet, many Australians find it hard to realise their dream because of hefty home loan deposits. According to stats, it takes 4.9 years for an average-income couple to save a 20 percent deposit to… Read More>>

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Easy way to save more money - Financial knowledge

Learn more about home loans to secure a good deal No knowledge is ever wasted. In fact, basic financial knowledge can go a long way in helping you find a competitive home loan deal, and save thousands of dollars over the life of your loan.     However, it is rare to come across a… Read More>>

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Six signs your bathroom needs an upgrade

6 signs your bathroom is out of date Your bathroom should be a sanctuary of relaxation, where you can wash away the stresses of the day or get dressed efficiently in the nick of time. As one of the most visited rooms in your house, one where you spend time multiple times each day, your… Read More>>

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Top 5 mistakes to avoid as a first home buyer

5 first-time home buyer mistakes and how to avoid them Planning to buy your first home? Congratulations. We are sure you are quite excited, and a bit nervous, too. Indeed, traversing the complicated world of mortgages, all alone, for the first time, could feel daunting. However, with a little bit of planning and foresight, applying… Read More>>

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Clawback fees, all you need to know

Understanding Clawback Fee Joe’s mortgage broker arranged a 25-year home loan for him with X bank at a rate of 3.91 per cent per annum. However, six months down the line, another mortgage broker presented a better deal to Joe, reducing his rate to 3.75 per cent per annum, leading to significant savings each month.… Read More>>

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Must-Have Financial Resolutions

What’s your New Year Resolution for 2019? As 2018 comes to a close, it is time to celebrate and set your goals for the coming year – be it eating healthier, getting more exercise, or getting on the top of your finances – it is easy to make resolutions, but it takes immense willpower to… Read More>>

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How to save money during Christmas

How much are Australians planning to spend this Christmas? Have you prepared your shopping list or bought your Christmas presents yet? Yes, it’s that time of the year again; the holiday season is smiling upon us, and the air is festive with Christmas cheer. And, going by the findings of a new survey, Australians are… Read More>>

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