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Should I refinance my mortgage?

According to experts, if you are on the same mortgage since the past three years or more, chances are there are better deals in the market that you may be missing out on. Steven, a HashChing mortgage broker, explains, “It is good to do a health check on your mortgage from time to time. My… Read More>>

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The Best First Home Buyers Guide To New Construction

Purchasing a newly constructed home requires more involvement from the buyer than a resale transaction. Keep these tips in mind to ensure a smooth deal and maximize your enjoyment with your new home. … Read More>>

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the right time to buy a home

According to a report by News.com.au, tenants across Australia’s capital cities are facing continuous rate hikes, despite a significant downturn in the property market. Data from rent.com.au showed that Melbourne and Sydney observed the maximum hike, despite the apparent drop in the market price of properties. … Read More>>

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How Mortgage Brokers Act in the ‘Best Interests’ of Their Clients

According to a joint submission from four consumer groups to The Treasury, some mortgage brokers don’t always obtain better-priced loans for their clients, and they don’t always offer them a diverse range of loan options. How can a mortgage borrower make sure to work with the right mortgage broker?… Read More>>

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No deposit home loan deals for first home buyers.

Think you can’t buy a home because you have no deposit? There are lots of ways to work within the system. There are only a few no deposit mortgage options in Australia. Learn how people borrow 100% of the property price with such home loan deals.… Read More>>

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mortgage savings - how to refinance your home loan in 3 steps

Refinancing is when a homeowners takes out another loan which is used to pay off their first mortgage and any secondary liens on their home. If you’re considering to refinance your home loan, it’s important to do your research to ensure you’re making the right decision. The whole process can seem too hard and difficult. Here are 3 easy steps to refinance your mortgage, lower your payments, consolidate debt or pull cash out.… Read More>>

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use your superannuation to fund your mortgage deposit

It’s no secret that saving for a house is tough. Raising the money for a deposit can seem to take forever, even if you’re consistent with your savings plan. But since 2018, First-home buyers have been allowed to use up to $30,000 of voluntary superannuation contributions to place a mortgage deposit in an effort to help young people gain a foothold in the property market.… Read More>>

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rba cash rate and the impact on your repayments

The Reserve Bank governor said Australia’s cash rate might be cut further if income and spending growth were weaker than expected in the coming years. What does a drop in the RBA’s official cash rate mean for your finances? Find out here.… Read More>>

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

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