Burne your Debt

An insight into everything “mortgage”

Should You Refinance Your Home Loan?

Having all your financial ducks in a row is a great way to start the new year, and a review of your home loan should be right at the top of your financial “to do” list. If you are unsure about whether you may benefit from a potential refinance, we ...

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Offset Accounts 101 – Make your money work harder for you

One of the most effective tools in your financial arsenal is the humble offset account. If you have one, you are hopefully using it to your best advantage, but if you don’t have an offset, it might be worth considering one. So what are they and how do they work? Glad you asked.

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Paying Principal on Your Investment Debt – Rewriting the Finance Rules for Investors

Opting for an interest-only loan has always been a sound strategy for investors, with the tax benefits associated with negative gearing, maximising cash flow and directing funds available to pay down owner-occupied debt. These are still very compelling reasons to remain on an interest-only investment product, but as the banking ...

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Lenders Mortgage Insurance

Everything You Need To Know About LMI Conversations around Lender’s Mortgage Insurance (LMI) may be becoming more common during the loan application process yet it’s also often one of the most misunderstood facets of finance. Let’s take a look at what it is, who pays it and ...

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Refinancing your Keystart loan

Keystart Home Loans have been a great option in assisting low income Western Australians with little deposit in getting into the property market. Whilst it’s a good product to help get that kick start that is often needed, the goal should always be to pay it down efficiently and ...

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How much can I borrow for a home loan?

How much can you borrow for a home loan? Probably more without that car loan. How much can I borrow for a car loan? With banks’ lending criteria becoming more rigid, housing affordability not easing and the capacity for many to save for a deposit quite limited, there are many ...

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What do Mortgage Brokers Do? Are they worth it?

What do mortgage brokers do? Are they worth it? If you searched the internet for the answer to this question, one of the many answers was probably “negotiates a home loan on your behalf with a lending institution”, which in theory is not untrue. However this barely scratches the surface ...

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Get ahead this fiscal year

Another financial year is over and now is the perfect time to reassess your resolutions for the coming fiscal year.

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Off-the-plan apartment finance tips

Purchasing apartments off-the-plan has becoming increasingly popular, with both investors and owner-occupiers taking advantage of the lifestyle and wealth potential benefits.

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First Home Loan Deposit

You want to buy a house. Great! And you have seen the property of your dreams. Awesome! And you are about to sign a contract. Let’s pop the champagne!

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Cheap interest rates – the 5 things you need to know

Everybody knows that when you are shopping for a home loan what it all really comes down to is the rate. Right?

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Mortgage Brokers Commission – talking about the “C” Word

Commission. That word can often make the most hardened consumer cringe. No matter the industry, negative connotations are almost always associated when we hear this word, with the mortgage broking industry being no exception.

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Are mortgages really cheaper than renting?

Results of an interesting study released in the new year by Deutsche Bank claim that mortgages are indeed “not expensive relative to rent”, suggesting the average renter spends more of their household income on rent than what an average home owner spends on their mortgage repayment.

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