Shane, Author at Pearl Financial - Page 11 of 12

All Posts by Shane

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About the Author

Shane specialises in helping Gen Y professionals and business owners make an impact by accumulating more assets, generating more income, and having more time to enjoy life. He has a Master of Applied Finance, an MBA, and a Master of Financial Planning. He is also a terrible golfer.

Dec 29

Home Loan Pre-Approval 101

By Shane | First Home Buyer , Fundamentals

Are you looking to buy a home or investment property soon? You need a loan but you don’t know how much a lender can give you? There are so many banks but you don’t know how much each will give you and which is the right one? Imagine knowing exactly how much you can borrow before finding your dream property. Basically, the process is pretty straightforward. Most people think that it’s going to take a long time so that’s a preconceived notion that isn’t true. It certainly doesn’t have to take as long as most people would think…Continue reading

Dec 06

The Essential Features To Consider When Choosing Your Home: Inside Your Home

By Shane | First Home Buyer

You may already have the ideal location for your home, but still find yourself with so many decisions to make including the essential features to consider when choosing the interior of your home. You find it exciting and challenging at the same time, and you may already have some ideas of how it will look inside. Your home should reflect who you are. If someone were to walk into your home, they should recognise that it’s yours.Continue reading

Dec 04

Renovating: Here’s what you need to know

By Shane | Renovating

The need to renovate your home is commonly realised by the changing demands of your family. Some of these renovations includes a new room after an addition to the family, the need to expand living space, a new style preference that leads to the desire to repaint or refurnish, and even life events which require new function area that would eventually lead to knocking down walls or raising the ceiling.Continue reading

Dec 04

The Lowdown on Lenders Mortgage Insurance (LMI)

By Shane | Fundamentals

Lenders mortgage insurance, also known as LMI, is an insurance premium paid by the borrower that protects the lender against the risks of the borrower defaulting, and the lender doesn’t regain all its money. Doesn’t sound exactly fair, right? The premium for LMI is charged as a one-off premium at the start of the loan and it’s paid by you – the borrower, even though it protects the lender. LMI shouldn’t be confused with mortgage protection insurance, which is about protecting the borrower against the risks when they couldn’t make loan repayments.Continue reading

Oct 25

Why You Need a Conveyancer

By Shane | Legal

Before you go into the points as to why you need a conveyancer, you should clearly identify first what conveyancing is. Legally speaking, conveyancing is a process of transferring the ownership of a legal land title from one person or entity to another. It typically consists of three transaction phases including before agreement, and before and after accomplishment.Continue reading

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