home loan Archives - Pearl Financial

Tag Archives for " home loan "

Dec 09

How Is It Hard To Buy A Home In Australia Nowadays?

By Editorial Team | First Home Buyer

Purchasing a Home In Australia is often the single largest investment a person or family will make. However, the younger generations are giving up hope of ever buying their own home.

Buying A Home In Australia Reshapen By Younger Generations 

A report from the AIHW (Australian Institute of Health and Welfare) pointed out that the younger generations may be restricting themselves out of their market needs on their personal choices. Research shows these younger generations of Australians are living with their parents for longer because of the high cost of living, and they are getting crippled by debt. This is what Australia is experiencing right now, the change of generations when it comes to homeownership, with younger households being influenced by factors which limit their ability to become homeowners such as economic challenges, lifestyle choices, and work-home preferences.

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Nov 27

What Does A Mortgage Broker Do And Why Should You Use One?

By Editorial Team | Home Loans , News

Investing in the property market requires you to maximize your budget, especially if you are planning to buy a new home for your family. Joining in the property market would cost you a lot. You will have accountabilities such as legal expenses, deposits, and some other costs adding up.

But, nowadays, anyone can already reach their dream of having their own home in a cost-effective way. To find a home loan that is perfect for your budget and lifestyle, you need the help of a mortgage broker.

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Nov 26

The Things You Should Consider Before Fixing Your Home Loan

By Editorial Team | Home Loans

Borrowers have one important question to themselves regarding their Home Loan and that is either “to fix or not to fix?” It is crucial to think about your decision many times in order for you not to encounter difficulties in the process of settling repayments.

Australian borrowers are mostly attracted to fixed-rate home loan offers because of assurance. A fixed-rate home loan is the advisable home rate loan for first-home buyers as they are the ones who are tight on their budget. In doing so, they can carefully plan for their budget and stay on top of their repayments.

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Aug 23

Investment Property Loans Without Equity: Considerations For Rentvestors

By Shane | Investing

Standard advice about buying your first investment property suggests that you should use the equity in your home to help secure a loan. If you’re one of the many Australians who would like to begin your investment property portfolio while still enjoying the freedom and flexibility of renting, this can be discouraging, but it’s perfectly possible to get an investment property loan as a “rentvestor” if you take the time to understand the implications of your position.Continue reading

Jun 23

How to calculate Loan-to-Value Ratio (LVR)

By Shane | Fundamentals

If you’re in the market to buy a new property or refinance an existing one, then the concept of Loan-To-Value ration (LVR) is an essential concept to understand. It is particularly important for property investors as it allows the astute investor to understand their equity position and whether they are able to start planning their next property acquisition.

In this article, we will cover off on what loan-to-value ratio is, why LVR is important, and how to calculate LVR.

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