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Top reasons to review your home loan now

With the next move in home loan interest rates expected to be upward, it is time to revisit your home loan rate and review your options. Should you fix your interest rate? Should you refinance? Are you on the best possible deal in the market? And, most importantly, is your mortgage product still right for… Read More>>

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Simple hacks to pay down your mortgage in 10 years

‘Owning’ a home is a priority for many Australians. But, do you really want to wait for 25 years to own your home? Or, would you rather pay off the mortgage quickly and live debt-free in the golden years of your life?     There are several advantages of prepaying your home loan, such as:… Read More>>

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Tips to succeed in a pre-auction negotiation

If you have found a house that matches your requirement perfectly, it is easy to get emotional about it and end up paying more than you possibly should. Whether you are a home-buyer or an investor, it is easy to get carried away by your emotions during negotiations, but it is critical not to. On… Read More>>

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Mortgage delinquency expected to rise across Australia

According to research by Moody’s, in six Australian suburbs, no one is 30 days or more behind on their mortgage repayments. Namely, the zero mortgage delinquency suburbs reported by Moody’s are Carlingford, Crows Nest and Mosman in Sydney, Bentleigh and Glen Iris in Melbourne, and Ormiston in Brisbane.     The report by Moody’s also… Read More>>

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How to save a home loan deposit

According to stats, it takes an average of five years for home buyers to save a 20 percent deposit to purchase a median-priced home in Australia. It is, therefore, not surprising that saving up a deposit is usually the first, and often the longest, part of every home buyer’s journey.     What is a… Read More>>

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How to improve your credit score?

Your credit file is like your financial report card while your credit score summarises the information on your file into a number that helps lenders determine your creditworthiness.     What is a good credit score? Using the information on your credit file, credit bureaus such as Equifax calculate your credit score based on a… Read More>>

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Positive and negative gearing explained

Negative gearing is back in the news. A report by the Australian Housing & Urban Research Institute (AHURI) proposes to “eliminate negative gearing deductions for wealthy investors.” According to the report, “$1.7 billion could be saved each year by radical changes to the negative gearing regime.” According to the proposal, lower income investors in the… Read More>>

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How to find the right home loan

Today, there are hundreds of home loan products in the market. But, did you know too much choice could be confounding for Australian home buyers? According to a survey, 37 percent Australians found deciding between too many options to be an impediment to being financially savvy.     Wondering how to find the right home… Read More>>

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Take control of your mortgage

With the RBA maintaining a low cash rate of 1.5 percent, there continues to be strong demand for home loans across the country. In November 2017, the value of home loans approved rose by 2.3 percent to $33.5 billion. Strong first home buyer activity was recorded in most states, with first home buyers accounting for… 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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