It seems like a no brainer, right? You are buying a home, so you’ll pay off your credit cards to reduce your debt, but keep them active so you can buy some furniture or deal with emergencies even when you have a mortgage to pay. Wrong. It’s obvious that a lender will consider your […]
About Rachael Hodgson
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This week we’re sharing our easy guide to Offset Accounts to demonstrate how you can utilise them to potentially save you thousands and shave years from your mortgage. Our guide will tell you the basics but should you want more information don’t hesitate to contact us via our online form or on 02 8412 0009. The […]
Although it’s hard to predict how long it will take to get your home loan approved (because each application is unique and every bank has different requirements), the most common reasons for delay are lack of preparation/disclosure of information by the client and a lender’s turnaround time to assessment. Despite this a good Finance Broker […]
One of the questions we get asked a lot (especially from clients with smaller deposits) is ‘What constitutes genuine savings?” Check out the following article for some clarification and guidance. If you apply for a home loan, particularly if the loan is for more than 80% of a property’s value, you’ll more than likely have […]
Last Friday night I won the ‘Young Broker of the Year Award’ (for NSW/ACT) at the Mortgage & Finance Association Excellence Awards 2017! I am both humbled and excited to share this news with you, winning honestly came as a bit of a shock as the other finalists were some seriously good young brokers and so […]
Saving for a home loan deposit whilst renting may seem out of reach, but (as the old saying goes) ‘where there’s a will, there’s a way’. If you plan on saving a 20% deposit (Remember: the more you can pay upfront, the less you’ll have to borrow and the lower your future repayments will be) […]
Purchasing a home is like taking the next step in your relationship… you have to be sure you’re ready before you take the leap. There are many reasons to say “I do” to a mortgage, from today’s low interest rates and skyrocketing rent, to the comforting warmth and convenience of having a set of keys […]
“The hipster subculture is stereotypically composed of affluent or middle class youth who reside primarily in gentrifying neighbourhoods. It is broadly associated with indie and alternative music, a varied non-mainstream fashion sensibility, vintage and thrift store-bought clothing, generally progressive political views, organic and artisanal foods, and alternative lifestyles.” (1) As you’re probably already aware cafe […]