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When you apply for a home loan, it is possible that the amount you can borrow is different from the amount you are comfortable repaying. Why? Because, while banks take into account several factors, including your spending habits, to calculate your borrowing capacity, only you are aware of your plans, circumstances and personality.    … Read More>>

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things that changed about mortgage industry

The mortgage industry has changed quite a bit over the years. Today, on the one hand, lenders are competing with each other to retain old customers and attract new ones, and on the other hand, they have developed much stricter criteria when it comes to approving a home loan application.     For the borrowers,… Read More>>

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Interest only caculator asic

For many years property investors have reaped the benefits of securing interest only (IO) loans for their investment properties but this trend is about to take a downturn as many lending institutions crack down on interest only loans while others are substantially increasing their IO rates to for both current and future borrowers. Why Is… Read More>>

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There is no doubt that investment in real estate remains a popular wealth creation tool for the Australians. However, how many investors really taste success, building large property portfolios, managing their risk astutely? In many cases, investors rush into deals that look good on the surface, without scratching further, and end up selling their investment… Read More>>

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secure a better home loan deal

As the mortgage market heats up rapidly and banks vie with each other to retain existing customers as well as attract new ones, there has never been a better time, especially in view of the low interest rates available currently, for home buyers to boost their savings by securing a competitive mortgage rate with one… Read More>>

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tips to consider before switching home loan

Choosing a home loan is one of the most important financial decisions you would ever make – one that would affect your finances for years to come.   Home loan interest rate is a major factor to take into consideration while selecting a home loan (compare here) as a low interest rate could save you… Read More>>

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maximise investment property returns

As you scrounge and save throughout the working years to purchase your precious abode, did you know that giving some extra thought to your home loan could help you make significant savings while shaving the years off your home loan? Very often, home buyers caught up in the frenzy of buying their first home spend… Read More>>

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An article on News.com.au recently read “Sydney homebuyers can save more than $100,000 by building their dream house rather than buying a ready-to-move-in property.” It further reported that the trend was similar across Australia, with “newly built houses costing an average of $361,096 and established houses $419,400.” Indeed, if you can spare some time and… 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.