How To Better Manage Your Finances Before Buying a Home Apr 16, 2021 | BlogBuying a home is quite often the largest financial decision most people make, and it’s one that needs to be carefully considered. Prior to going down the path of purchasing a home, it’s vital that you get your finances in order to ensure that firstly, you can get the...
How to Consolidate Debts Mar 27, 2021 | BlogIf you’ve found yourself spending a little bit too much recently, it might be worth considering some form of debt consolidation. Put simply, consolidating debt means taking out a new loan to pay out your other debts. Ideally, the new loan will come with better terms...
How to Refinance a Home Loan Mar 23, 2021 | Blog, Home Loan, Home Loan Types, Home LoansWith interest rates at record low levels, there has never been a better time to look at refinancing your current home loan. If your current lender is not prepared to give you a better deal (i.e., rate reduction), then it might be well worth taking the time to speak...
How to Fix Your Credit Mar 18, 2021 | BlogWhen the time comes to apply for a home loan, banks and lenders are going to look very closely at how you have managed credit in the past. The easiest and most obvious way for them to do this is to look at your credit score, which is a track record of how well you’ve...
Can HECS Hurt Your Borrowing Capacity? Mar 11, 2021 | Blog, Business Loan BrokerThe High Education Contribution Scheme (HECS) or Higher Education Loan Program (HELP) is effectively a Government loan that enables people to afford the costs of higher education. The program works by allowing people to pay back their student loans at a time in the...
Is it Worth Cancelling Your Credit Cards? Feb 24, 2021 | BlogEven if you don’t have any loans or debts, having a credit card might be enough to significantly reduce your borrowing capacity. The reason why a credit card can be a hindrance to your ability to borrow money, is that lenders assess your credit card on the overall...
