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pay mortgage vs super

If you have spare cash at hand, it makes sense to reduce your mortgage and save on interest. Or, would you rather increase your super to ensure a better retired life? Most home owners prefer to apply extra cash towards reducing their mortgage, which could save them thousands of dollars over the life of the… Read More>>

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Many home buyers in the recent past have realised their dream of property ownership without saving a large deposit by opting to pay Lenders Mortgage Insurance or LMI. LMI protects the lender in case you default on your home loan repayments. In general, if you are borrowing more than 80 percent of the property’s value… Read More>>

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For years, the wealthy Australian families have effectively used trusts to hand down assets from one generation to the other, without incurring any stamp duty or capital gains tax. However, the opposition recently unveiled its plan of changing the way discretionary trusts are taxed to prevent the rich from evading taxes. Labour’s ire, in fact,… Read More>>

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property

Distressed properties are often available to buyers at attractive rates, as much as 40 percent below the market price. Indeed, a great option for any one looking to expand their property portfolio. But doesn’t it sound too good to be true? It might just be; unless you understand the risks associated with buying a distressed… Read More>>

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green home loans

Today, we all understand that global warming, climate change, depletion of the ozone layer and resource depletion are major environmental threats that significantly affect the lives of humans as well as animals on the planet. As responsible persons, it is only prudent that we adopt sustainable living to reduce our impact on the environment, doing… Read More>>

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guarantor

According to the latest data, the median price of a home in Sydney was $1,000,500 in June. This means, to buy a property in Sydney, you would need, on average, $200,100 or 20 percent of the purchase price as the deposit. No surprise then, first home buyers find it difficult to break into the property… Read More>>

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Investing in real estate continues to remain one of the most popular wealth creation strategies in Australia. However, not every investor buys to hold, revelling in the comfort of owning an extensive property portfolio. Of course, holding an investment property for long offers the benefits of rental yield and better capital growth, but many investors… Read More>>

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Two friends smiley enjoying working together in a coffee shop.

Very often, home buyers are misled by low interest rates advertised by lenders and end up with home loans that lack the essential features they may require in line with their financial situation. As a home buyer, you need to scratch beneath the surface to understand the real deal to ensure that you are getting the best home loan for your situation. … Read More>>

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HashChing is helping Australians by providing access to the pre-negotiated home loan deals. Obligation free consultation with one of our partner brokers might save you time, hassle and money.