Do You Really Know Who Your Real Lender Is? Posted by HashChing on Jan 28, 2019 5:10:54 PM | HashChing How the big four are holding sway over the mortgage market through non-branded subsidiaries Currently, nearly 60 percent of residential home loans in Australia are now introduced by mortgage brokers who are known to offer convenience and choice to home borrowers in addition to transparent advice on choosing the right home loan product for their… Read More>>
What homebuyers must know about the RBA cash rate Posted by HashChing on Jan 23, 2019 9:59:23 PM | HashChing 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>>
How To Find a Low Rate Conveyancer Posted by HashChing on Jan 22, 2019 3:06:02 AM | HashChing 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>>
How To Secure a No Deposit Home Loan in 2019 Posted by HashChing on Jan 22, 2019 2:16:49 AM | HashChing  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>>
It’s High Time To Switch Lenders Posted by HashChing on Jan 21, 2019 4:38:16 PM | HashChing 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>>
How to overcome mortgage stress Posted by HashChing on Jan 20, 2019 11:33:54 PM | HashChing 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>>
The Truth About Buying Or Building A Home Posted by HashChing on Jan 17, 2019 9:25:18 PM | HashChing 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>>
What lenders look for in your bank statement Posted by HashChing on Jan 13, 2019 10:31:01 PM | HashChing 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>>
How to put up your home loan deposit without cash Posted by HashChing on Jan 10, 2019 4:21:27 PM | HashChing 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>>
Financial knowledge could save you money Posted by HashChing on Jan 08, 2019 4:37:38 PM | HashChing 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>>
