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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

Oct 18

Things To Consider When Choosing Your First Home Loan

By Shane | First Home Buyer

Buying a house is exciting, but your bank account might not be as eager as you are. Considering that financial situation, a home loan would probably be the biggest financial commitment you’ll ever make. Know the things to consider when choosing your first home loan and how much of your savings you are willing to spend. Begin by preparing yourself in reality and determining the true costs.Continue reading

Sep 29

NSW FIRST HOMEOWNERS GRANT 2016: How exactly does it work and how much do you get?

By Shane | First Home Buyer

Thinking about buying your first house? Before you can venture the journey to home-ownership, you have to consider some important steps- from finding the ideal location to financing your purchase. If you’re a first-home buyer, you probably know that you’re eligible for government assistance, generally known as first homeowner grant (commonly referred to as FHOG). The process is similar across Australia, but there are differences for each jurisdiction.Continue reading

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