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How spending affects borrowing

There is a common misconception that your borrowing capability is related solely to your income, however most people’s outgoings quickly follow their increasing pay-packets. In a time where many people’s lifestyles revolve around instant gratification, lenders are now taking a more responsible approach to lending and investigate genuine spending habits as well as factoring in possible future interest rate rises.

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RBA Sits On The Sidelines While Lenders Play On

At its May meeting, the Reserve Bank of Australia elected to keep the official cash rate on hold at 1.5 per cent. However, Australian lenders are still increasing rates to keep in line with APRA's new lending rules...

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Interest Rate Update

The RBA decided to keep the official cash rate on hold at 2.0% today, but what's to come?

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Investment Lending Is Changing

Big things are happening in lending world. If you have an investment property or an interest only home loan - this may impact you

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The mortgage broking process…

So you’re interested in getting on the property ladder – but what steps should you take next?

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Before you buy... Getting pre-approval

Buying a property is a life changing decision, so it’s vital you're armed with all the right tools before going down this road.

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What happens at settlement?

Settlement is the final process in the exchange between buyer and seller before picking up the keys!

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What does being a guarantor mean?

it's a term that's bounded around a lot, but what role does a guarantor actually play?

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I’m a first home buyer – are there any benefits or discounts available?

Getting into the property market as a first home-buyer is tough – there’s no denying it. So what is the government doing to help?

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