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Owning your own home is the great Australian dream but, cruel reality is that for most part we don't have the cash required to purchase our little place under the stars outright and that leads us to home loans. Lender of your choice will advance some or all of the monies required to purchase your dream home at a cost and will secure its investment by mortgage so, shortly after you stop paying rent you start paying off your loan plus interest and fees. In simplified terms this means you are back to paying rent only now its "rent" on money you borrowed to purchase your "own" home.The good news is that you can control and reduce the time you spend paying this new "rent" by applying a few simple and effective strategies.In this section we attempt to share at least a fraction of our extensive knowledge in home loans field thus providing you with some proven strategies which, if correctly applied could help you pay off and truly own your home sooner.You will also find home loan and finance related calculators, and other useful tools here.Although you will likely find strategies and tools featured here useful, please understand that due to limited space they are by no means all of the strategies available and used for mortgage reduction. To learn more about strategies you can use to pay off your home sooner please contact us |
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Home Loan Tips!
| 5 TIPS THAT REALLY WORK TO PAY YOUR HOME LOAN OFF FASTER !! |
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MAKE YOUR FIRST MORTGAGE REPAYMENT ON SETTLEMENT DATE |
| Here is an excellent example of early payment that everyone should plan to achieve no matter what! This one simple action will cut thirteen months and save you $28,734.53 off your $300,000 home loan (with the professional pack at 8.77% on a 30 year loan)! |
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MAKE 13 REPAYMENTS A YEAR |
| A reasonably painless way to reduce your home loan is to ensure you pay it more frequently than monthly. Many loan products allow you to pay weekly, fortnightly or monthly. You get interest savings by paying more frequently...read more |
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NEGOTIATION AND PLANING IS ESSENTIAL |
| Up front negotiation can make a huge difference to the price you pay for "the rental" of your money. In following few examples, you can see how, with a bit of planning, you really can save a huge amount of money on a home loan, even without trying very hard... read more |
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ABILITY TO PAY EXTRA FUNDS (AD HOC OR CONSISTENTLY) |
| Make sure you rhome loan gives you the ability to pay extra (regular or ad-hoc). Making additional payments on your loan, big or small, is a real benefit. If your interest is calculated daily, extra funds have the immediate effect of reducing the loan balance and, therefore, the interest payable...read more |
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THE BIG FOUR BANKS AREN'T THE ONLY LENDERS WITH GOOD PRODUCTS |
| Big advertising budgets and size do not mean that a lender has the best products. Ultimately, it is your choice which you go with, but don't be afraid of smaller lenders and international banks. |
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Home Loan Toolbox
| Dou you feel like something is wrong with your household budget? Something not quite right with your finances? You made more money this year than previous year but somehow you cant feel the that your lifestyle has improved as it should have? Chances are something needs fixing and you might just find the way in Your finances/home loan toolbox. |
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Home Loan Calculators
| For Your Convenience we have enabled access to some of the most popular loan calculators. Whilst these calculators are convenient to access they are only a simplified version of calculators used by professionals so, use them as a guide only.If you are in the market for a home loan or, would like to discuss results from any of these calcualtors in more detail please do not hesitate to contact us for a free professional consultation. |
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