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what homebuyers must know about the rba cash rate

How does the RBA cash rate impact homeowners According to a recently-published report by Deloitte Access Economics, “Less than half (40%) of Australians meet the basic threshold for financial literacy and capability.” The report also found that a large number of Australians do not understand the relevance of RBA’s cash rate, and, its impact on… Read More>>

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low rate conveyancing

Conveyancing. Conveyancer. Words that all first home buyers would have come by. After all, it is a legal requirement prior to settling on your home. But… how many people truly understand the role of a conveyancer, and their value when it comes to getting you into your new home? According to the Australian Institute of… Read More>>

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home loans without a deposit

 Access No Deposit Home Loans in Australia Here   Like many people living metropolises around the world the idea of buying a home can be off putting. Well, not the home itself but the 20% deposit that comes along with purchasing in places like Melbourne & Sydney (although, house prices have dropped for their third… Read More>>

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switching home loan lenders

Have you checked how your mortgage interest rate stacks up against the current market average of 3.70 per cent per annum? According to Steven, a HashChing mortgage broker, “It is good to do a health check on your mortgage from time to time.” In fact, most experts would agree with Steven that homeowners must revisit… Read More>>

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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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