Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works. Picture this. You’ve seen a home you’re crazy about, and you don’t want to miss out to another buyer. So, you sign on the dotted line and hand over your deposit. Things are getting real now. But what if they’re not? What if you struggle to land a home loan? It’s a scenario every home buyer dreads. If you have to back

If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now. The 2024 federal budget is out, and you might be wondering what’s in it for you. Sure, an energy rebate of $300 annually can help take the sting out of electricity bills, though at $75 per quarterly bill, it’s not a huge saving. But you don’t need to rely on the federal budget. Here are four strategies that could get your wealth growing. 1. Helping hands for

Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner! When you’re saving for a first home, growing a 20% deposit can be a tough challenge. It’s certainly not made any easier by national property values soaring higher each month and cost of living challenges. But there is one potential solution that has seen 156,000 first home buyers, single parents and regional Australians buy or build

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost. The upcoming Stage 3 tax cuts have received plenty of attention – some good, some bad – so we won’t focus on the politics of it today. But they are still expected to benefit about 13.6 million Australians, and how much tax you might save depends on your income. A person on the

We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process. Buying a home is an exciting prospect, but it’s perfectly natural to have a big dose of nerves given that you’re likely committing to spending hundreds of thousands of dollars (or millions!). But with a bit of research, and some other handy tips below, you can help protect yourself when the bidding or negotiations begin. Why it’s important to pay a fair price Paying above the odds for

Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list. It’s a fair bet that your home loan repayments are one of your biggest household expenses. Yet it’s surprising how many borrowers haven’t kept up with what their home loan rate currently is. In fact, a new report by Mozo shows that 42% of mortgage holders have no idea what interest rate they’re paying on their home loan. And it’s an oversight