Blog
Buying Property Subject To Mine Subsidence
What is mine subsidence and how can it impact property buyers? What is mine subsidence? Mine subsidence is the gradual sinking of land caused by the removal of underground resources, such as coal, oil, minerals, or natural gas. This downward or outward movement of the...
The EASY Way To Determine Your Living Expenses
So you’re keen to move ahead with a loan application, but you’d like to know how much house you can buy. How much can I borrow? The simple answer is “as much as you can repay” but there’s quite a lot involved in coming up with that figure. Including: • your current...
Three Powerful Reasons First Home Buyers Should Hire a Mortgage Broker
1. It's not just about selecting the cheapest interest rate. If the only difference between one lender and another's product were the interest rate, then you would not need a Mortgage broker, search the internet and find the best interest rate and go for it. 2. Not...
Important News For People Who Are Investing in Real Estate.
Beware of scams! Know your numbers and educate yourself before investing in property or any other type of investment. Take inventory of your current situation not just your financial information but also your level of education,...
What to be aware of when buying off the plan
The rise of new apartment developments in our cities provides greater opportunities for potential home owners to buy off the plan. There are benefits to this, but also a number of things to be mindful of. We look at some of the things to consider when buying off the...
Pros and cons of a line of Credit
A line of credit can be a very appealing idea, with immediate access to the limit of a mortgage and no extra approvals necessary. Used wisely, it can make investment and purchase of commercial equipment simple, but it can also spell disaster for the unprepared. A line...
Mortgage Simulation: What to Expect
Here at Our Mortgage Options, our aim is to ensure our clients make an informed decision about their home loan. To do this, we perform something called a mortgage simulation. What is a Mortgage Simulation After we’ve had our initial consultation, discussed goals and...
The Dreaded LMI: What You Need to Know
Almost everyone who takes out a home loan must pay LMI, or Lenders Mortgage Insurance - if you don’t have a deposit of at least 20%. LMI is designed to protect lenders in the event that the borrower defaults on their repayments. Check out the video below to find out...
What is LVR?
When it comes to home loans, do you ever feel like mortgage brokers and lenders speak an entirely different language? Don’t worry – you’re not alone. In fact, many don’t know the difference between home loans and mortgages. One acronym you’ve probably encountered...
How to Pay Off a Home Loan Faster and Save Money
"How can I pay off my home loan faster, and own my home sooner?" This is a question I get asked time and time again. Unfortunately, there’s no secret way to speed up the process, but there are a few changes you can make. Check out the video below for my tips on how to...
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