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home loan types: offset account vs redraw facility

Offset accounts and redraw facilities are both home loan features. They let borrowers use their spare cash to whittle away the mortgage. Deciding between an offset account and a redraw facility on your home loan largely depends on how accessible you need your extra money to be.… Read More>>

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conveyancer or solicitor, who should you talk to?

Confused about whether to hire a conveyancer or solicitor? Learn the key difference between conveyancer and solicitor. Generally conveyancers have detailed knowledge in one area of law, being property law. Solicitors on the other hand have specific knowledge about property law but also broader knowledge of the law in general. But it’s not the only difference…… Read More>>

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11 basic mortgage terms you should know

Mortgages are long term commitments that can affect your lifestyle for some time to come. By fully understanding the terms of your mortgage and the amounts you will be paying you will be in a better position in the long run.
Looking for investing in a property? Here’s the essential mortgage terminology you need to know before you go house hunting.… Read More>>

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8 popular types of home loans

Which home loan is right for you? Searching for your dream home in Australia? If yes, chances are you are also looking for the right mortgage product to finance your home!     Yes, most homebuyers cannot purchase a home without borrowing some money from the banks. But banks are not charitable institutions and charge… 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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glossary of important financial terms

According to a survey by mortgage lender ME Bank, the majority of first home buyers in Australia do not understand what conveyancing is, aren’t sure what mortgage insurance covers, and are quite ignorant of the auction process. Yet, 70 percent of first homeowners reported that they felt confident making financial decisions, which is quite surprising… Read More>>

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