October 2018 - Pearl Financial

Monthly Archives: October 2018

A First-Time Buyer’s Guide To Home Loans
Oct 27

A First-Time Buyer’s Guide To Home Loans

By Editorial Team | Home Loans

Buying your first home is an exciting prospect but it can be a little daunting when faced with all the different kinds of home loans now available. There are so many different banks and financial institutions offering loans with differing interest rates and fees, lengths of loans and benefits that it’s hard to choose which one will suit you best. There’s no longer any such thing as a simple 25-year home loan with regular repayments. And simply paying off a home mortgage as fast as you can is rare as well. There’s a plethora of new technology to help first home buyers. For instance, a borrowing power calculator helps estimate how much you can borrow, and a stamp duty calculator helps you to work out how much stamp duty you will have to pay the government. Continue reading

Why Refinance
Oct 07

Why Refinance

By Shane | Refinancing

There’s a little thing that I call ‘complacency tax‘ – it’s where you are paying more than you should be, purely because you have stuck with the status quo. It can be applied across all areas of personal finance – bank accounts, superannuation, personal insurances, car/home/contents insurance etc – but the biggest area I see it having a negative impact on peoples budgets is their home loan. Avoiding ‘complacency tax’ is one reason for considering refinancing, but let’s take a closer look at other reasons why refinancing your home loan is something you may consider. Continue reading

SMSF lender
Oct 02

SMSF Lender List

By Shane | SMSF

The number of lenders offering loans to Self-Managed Super Funds (SMSF) has just gotten smaller. A major lender in the space has announced that they will stop offering new loans to SMSFs after the 20th of October and will restrict the options to existing borrowers. Continue reading

build home equity
Oct 01

How To Build Home Equity

By Shane | Uncategorized

Building equity is beneficial for every homeowner. Your home is a big asset, and it represents a large portion of your financial future – it can be used to finance a child’s university fees or to supplement retirement savings. In this blog, we will take a look at how to build home equity. Continue reading

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