Employment Type—Self Employed

When it comes to taking out a home loan, self-employed income and employment is a little more complicated than for traditionally employed people. The trick is to be clear on what kind of employment you have. If you’re self-employed, you will have an Australian Business Number – usually called an ABN. You’re also responsible for

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Home Loan Pre-Approvals

Pre-Approvals, are they as helpful as they sound? Firstly, let’s just see what Pre-Approval actually means. Lenders will tell you to apply to them for a pre-approval which sounds like you’re sorted before you go house-hunting. But it literally means ‘at a stage before approval’, so, pre-approval creates no obligation whatsoever on the lender and

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Buying Apartments & Units

Apartment living, especially in cities, is a modern, and often more affordable way of getting onto the property ladder. But I can’t stress enough how important it is to do a bit of home work first – lenders can be particular about what unit or apartment you’re trying to buy. As experts in the Cairns

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Family Guarantee

You could be mistaken for thinking that a family guarantee is some sort of Mafia loyalty pledge – but it’s actually a really smart way for first home buyers to buy their first home. Everyone knows how difficult it can be for first home owners to save a deposit – and then there’s Lender’s Mortgage

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Settlement Date!

There’s lots of jargon when you’re buying a home, and do you know what? You’ll only ever need to know what they mean when you’re going through the process. It can seem like the banks and solicitors have made up these words (and maybe they have) so let me make sense of one for you

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