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Buying Property

How do reverse mortgages work?

28 April 2010 - My Mum has a nice house but is really, as they say, asset rich but cash poor. She is close to 70 and has no super and my brothers and sisters, well most of them, want her to sell the place and live comfortably. One of... read more >

Banks vs mortgage brokers

21 April 2010 - I read that the Big Four banks are making just about all of the home loans in the country nowadays, so why should I go to a mortgage broker? Wouldn’t it be cheaper and better to go direct to the banks? Not... read more >

What is Lenders Mortgage Insurance?

10 March 2010 - I am borrowing for my first home and we have been told we have to have Lenders Mortgage Insurance. What is it? And why do we have to have it? My parents said they were never forced to pay such insurance. It could be... read more >

Comparison rates explained

27 January 2010 - A while ago, a major bank ran an ad for a fixed interest rate loan at 4.99 per cent for three years. Beside the 4.99 per cent was a lightly shaded box with seven per cent in it and the words 'comparison rate'. What... read more >

How much can I borrow?

17 December 2009 - I am thinking about borrowing to buy my first house and I do have some credit card debt and a car loan but I have a pretty good job. That said, I want to know how much I can borrow so I can work out what kind of house... read more >

Home loan research

09 December 2009 - I am trying to find a great home loan and I presume you have to go the bank as a starting point but I don’t want to be held hostage by a bank. What steps would you take? I reckon going to a bank is the starting... read more >

What is a comparison rate?

03 December 2009 - Recently a major bank ran an ad for a fixed interest rate loan at 4.99 per cent for three years. Beside the 4.99 per cent was a lightly shaded box with seven per cent in it and the words “comparison... read more >

Reverse mortgages

02 December 2009 - My mother owns a nice home, but is short of cash. My brother and I want her to enjoy her life and some of my friends think a reverse mortgage might be a solution. However, I have heard some criticisms of the product.... read more >

How to reduce your mortgage

18 November 2009 - People keep telling me that paying off your home is very tax-effective and with interest rates rising all the time, I want to get rid of my mortgage as quickly as I can. Have you got any ideas of how I can do this?... read more >

More competition in the mortgage market required, say non-bank lenders

02 October 2009 - The big four banks cry poor, but it’s the smaller financial institutions who have been stuck for funding and largely locked out of government efforts to provide assistance to the banking sector. Competition is... read more >

Q&A - Home loan interest rates

25 September 2009 - Everyone seems to be saying that home loan interest rates are going up and to expect a rate of 7% or more. Is this a foregone conclusion? Jason, Southport, QLD. No but it’s a consensus opinion that rates will... read more >

Q&A - Finding the right home loan

24 September 2009 - Q. I am trying to find a great home loan and I presume you have to go the bank as a starting point but I don’t want to be held hostage by a bank. What steps would you take? Jessica, Newport A. I reckon going to... read more >

Q&A - Low rate home loans

21 September 2009 - Q. I have come across a Bankwest home loan that is capped for three years at 7.5%. It also starts at 5.4% and I am trying to work out what can go wrong with a loan that sounds too good to be true. I think I recall you... read more >

Q&A - Home loans

08 September 2009 - Q. I read that the Big Four banks are making just about all of the home loans in the country nowadays, so why should I go to a mortgage broker? Wouldn’t it be cheaper and better to go direct to the banks? ... read more >

Q&A - Home loans

08 September 2009 - Q. I read that the Big Four banks are making just about all of the home loans in the country nowadays, so why should I go to a mortgage broker? Wouldn’t it be cheaper and better to go direct to the banks? ... read more >

Home loan punters beware

03 November 2008 - Go they’re racing but the finish line we all should care about won’t be just after three in the afternoon on the first Tuesday of November. Instead, it will be 9:30 am the next day when we hear if... read more >




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