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Finance Detective

Is a bank valuation holding you back from your dream home?

For many, owning your own home is still the definition of the great Australian dream. We crave the security, desire the lifestyle and long for the freedom that comes with home ownership. But applying for a loan isn’t always easy. There are plenty of hoops to jump through, and organising a bank valuation is just one of them. In some cases, the bank valuation of a property can have a huge impact on the cost of a loan. To find out more… Click here to read the full article on the Finance Detective Blog

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Tips to getting started on the investment property ladder…

Do you want to get started with property investment? Before you climb onto property investment ladder, make sure you read our 8 tips on getting started with property investment. Even if you don’t own the home you live in, an investment property could be the right first step on the property ladder. If you want to know more… Click here to read the full article on the Finance Detective Blog

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Positive vs Negative Gearing

What investment strategy is right for you? Some investment properties may have a high income return while others may have low income with the potential to generate a high capital return. It is always important to consider the total return from your investment when making an investment decision. If you want to know more… Click here to read the full article on the Finance Detective Blog

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Using the equity in your home to purchase an investment property

You may be able to use the equity you have built up in one property to purchase an additional property… This means that you could expand your property portfolio, using the equity you already have in your home! However, there are several things to keep in mind, like avoiding LMI and how to go about structuring the loan. If you want to know more… Click here to read the full article on the Finance Detective Blog

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Budget boosts savings for first homebuyers

After the end of June 2017, the First Home Owners’ Grant grant drops from $15,000 to $10,000! This might sound like a blow to all the first homebuyers struggling to break into the market, but it’s not all bad news. While the First Home Owners’ Grant will be lower than previously, the government has also introduced the First Home Super Saver Scheme. To find out more… Click here to read the full article on the Finance Detective Blog

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Take control of your credit card debt

Is your credit card debt spiralling out of control? Are you struggling to cope with multiple credit card repayments? Don’t worry, you’re not alone. Around 70% of Australians have credit cards, that’s more than 16 million credit cards throughout the country. Many Australians would like to gain more control of their current debt and debt consolidation could be an option, but how does it work and what are the risks? To find out more… Click here to read the full article on the Finance Detective Blog

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Don’t Move…Improve! Our Top Tips to Add Value to Your Home

Dreaming of a better house for your family but can’t face the prospect of moving. You are not alone. Quality renovations undertaken on your home can bring a new lease of life to your property, as well as adding thousands of dollars to its value.  It makes financial sense to invest in your property and to later reap the rewards. To find out more… Click here to read the full article on the Finance Detective Blog

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Property Investment – Are you sitting on the fence?

There are many reasons why Australians do and don’t invest in property… Around 20% of Australians invest in property for: Potential capital growth Rental income Tax benefits There are other reasons too, but most people don’t realise that an investment property could make them money and even pay for itself. If you want to know more… Click here to read the full article on the Finance Detective Blog

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The Low Down on Loan Comparison Rates

In 2003 it became mandatory for financial institutions to display comparison rates when advertising loans. Why? – The government could see a trend developing. Lenders were advertising loans with low interest rates, yet on closer inspection, the extra bank fees and charges affected the loan’s overall cost. It was becoming too hard for borrowers to compare one loan against another. If you want more information on comparison rates… Click here to read the full article on the Finance Detective Blog

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Demystifying Lenders Mortgage Insurance (LMI)

You may have heard us speak about Lenders Mortgage Insurance in previous articles, but a few things have changed with LMI since then. It’s designed to protect the lender in the case that the borrower (you) cannot meet repayments. However, due to the current market, you may need less of a deposit to avoid paying LMI. To find out more about what has changed… Click here to read the full article on the Finance Detective Blog

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