The First Home Loan Deposit Scheme (FHLDS) is an Australian Government initiative to help you buy or build your first home sooner. If you’re running a small business or buying your first home, you may be eligible.
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The Single Parent Family Home Guarantee aims to support eligible single parents with at least one dependent child in purchasing a family home, regardless of whether that single parent is a first home buyer or a previous home owner.
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Many Australian businesses experience their highest sales during the holiday season but for some it can be the toughest time of all to maintain healthy cash flow.
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Last week a few of the majors lowered their floor rates in response to the Reserve Bank reducing interest rates.
What this means is that the average buyer could expect to have an extra $70,000 to spend on a home – which again may push property prices up as banks have reduced their serviceability rates.
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One of the questions we get asked daily is, “Should I fix my entire home loan?” With interest rates at an all time low, The big 4 banks announced further drops to only fixed rates. So what are your options?
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The house is getting too small but you love the area. What are your choices? Do you renovate, knock down and rebuild or do you relocate and upgrade your current house?
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Purchasing your first home is often the single largest investment a person or a family will make in life. It can be an exciting, daunting and bewildering experience all in one. Buying a house is a commitment and it is important that you’ve done your research to make sure you are prepared for it.
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With the increased cost of living, the ability to save for a deposit for a home loan - especially in the Sydney market – is a hard ask for many. Here are 3 options that may help you stop paying rent and get onto the property ladder sooner.
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If you are looking for a place with laid back nature, Northern Beaches is the place to be. From Manly to Palm Beach, these coastal neighbourhoods are all about lifestyle, surfing and incredible liveability.
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You have survived e EOFY! Now it’s time to plan for the new financial year.
How are your business finances?
How is the cash flow of your business looking?
If you haven’t yet planned for the new year, don’t worry. You can still set up business objectives and plan cash flow for this fiscal year.
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You may have heard about the new Government Homebuilder Stimulus package and wondering if you could benefit?
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The time for your business to take advantage of tax deduction and get your business finances in order is at the end of the financial year.
But sometimes we need a little bit of extra support to make those tax optimisation strategies work.
If you’re considering any of these below it’s highly likely a business loan will help.
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Just as economists have predicted, we are now heading into a recession.
The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful.
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You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as well.
For example, CBA Economics stated last week that property price declines are “inevitable” and has forecast that prices will fall by circa 10% in Melbourne and Sydney over the next 6 months.
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“Should I put my mortgage on hold?”
We have been getting this question a lot.
If you do not have the means of making your next mortgage repayment, my answer would be yes.
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There is more than likely to be a downturn in the property market due to uncertainty: uncertainty of whether people will have a job, the uncertainty of how long we will be housebound for - all this leads to low confidence in the market and house purchases are a high confidence exchange.
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More than ever selection of the right investment property is going to be critical. It’s the most important part of successful real estate investing. After you’ve determined your budget, it will be easier to narrow down your search to a particular location that meets your objectives. These are generally properties that will have the greatest potential for capital growth and rental return.
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So how do you know if you’re getting a good investment? Rental yield helps you determine a property's value and potential. It measures the profit you've generated from your investment each year as a percentage value. And it’s also a useful comparison if you’re deciding between comparable properties.
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While any sort of investment carries risk, planning for the future and considering all its implications can facilitate successful investment. Relatively stable with potential for growth, property is the preferred investment asset for borrowers in Australia.
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There are a host of eligibility requirements for the first homeowners grant and duty concessions which can vary from state to state…
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