Property & finance news and articles

  • Fixed rate home loans explained

    A fixed rate home loan protects you from rising interest rates which can impact your monthly mortgage payment. Here's what you need to know about fixed rate home loans.

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  • The First Home Owner Grant

    The First Home Owner Grant is a payment from state and territory governments to people buying their first home. The grant and its conditions vary from state to state – here’s how it works.

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  • How credit ratings impact home loans

    Loan applications are scary if you don’t know what your credit history says about you. Find out how your credit file will impact your chances of being approved.

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  • Five ways a mortgage broker can help you

    Applying for a home loan can be a hard and confusing task. Mortgage brokers can give you the right advice to help you find a home loan that suits your needs.

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  • Factors that determine your home loan package

    Your mortgage can be tailor-made for you. Find out what affects your interest rates, and improve your chances of securing the best home loan package for you.

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  • How does stamp duty work?

    If you’re buying a property, it’s important you understand what stamp duty is and if you’re entitled to any stamp duty exemptions. We explain the basics.

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  • How to protect your mortgage repayments

    What’s the difference between mortgage insurance and mortgage protection? We explain everything you need to know to protect yourself and your home loan.

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  • Understanding lenders mortgage insurance

    Understanding your lenders’ mortgage insurance doesn’t have to be complicated. We explain the factors that affect your LMI premiums.

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  • All about cooling off periods

    Most large purchases come with a cooling off period, but buying a house is a bit more complicated. Find out your rights.

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  • Your guide to bridging home loans

    Are you worried you won’t be able to sell your property before you buy your next one? We explain the ins and outs of what a bridging home loan can do for you.

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  • Five tips for first home buyers

    There are so many things to think about when you’re buying a house, especially if this is your first time. Here’s a list of 5 things you should know.

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  • Get the lowest mortgage interest rate

    Mortgage home loan interest rates massively increase the cost of your mortgage. Looking for low interest rates? Try these five tips to pay less interest.

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  • Time to refinance your home loan?

    Refinancing – shifting to a different loan – could lead to a home loan with a better rate or conditions. Ask your broker if there’s a better loan available.

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  • Ask your broker the right questions

    Don’t get frustrated when applying for a home loan. Ask your mortgage broker these five questions so you know exactly what you’re signing up for.

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  • Preparing for a loan application interview

    Facing a home loan application interview? It can be stressful; there are lots of things to organise beforehand. Here are some tips.

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  • Pay off your mortgage faster

    A mortgage is one of the biggest financial obligations of your life. Here’s how you can pay it off faster and potentially save yourself thousands of dollars.

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  • Get a home loan with bad credit history

    Having a bad credit history doesn’t mean you need to give up on becoming a home owner. Understand what a non-conforming loan is and how you can get one.

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  • Here’s what you should do before selling

    When you’re selling your property it can be hard to get the right buyer’s attention. Here are some tips to keep in mind when you’re getting ready sell.

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  • How to break into the housing market

    If you’re thinking about buying a house, follow these simple tips to avoid any unnecessary hassles when joining the ranks of Australia’s home owners.

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  • Four reasons to hire a property manager

    Whether you have one investment property or 10, having the help of a professional property manager can make a huge difference.

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  • What affects your home loan application?

    Have you ever thought about what the banks look at when working out how much money you can borrow? We break down the different factors for you.

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  • Variable home loan rates explained

    Understanding the finer details of a variable rate home loan will help you make an informed decision about choosing a mortgage that’s right for you.

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  • Mortgages: Are you getting the best deal?

    Do you know all the terms of your mortgage? Don’t wait until it’s too late to ask your mortgage broker these important questions about your mortgage rates and terms.

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  • Choose a fixed or variable home loan?

    Fixed and variable rate home loans offer a number of benefits, each suited to a different set of financial needs. Find out which home loan rate is best for you.

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  • How to choose your mortgage broker

    Choosing your mortgage broker can be as important as choosing the right home loan. Follow these useful tips to make sure you find a broker you trust.

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  • Six questions to get the best loan

    Looking for a home loan? Consider these six questions before you make a final decision, to ensure you’re getting the ideal loan for your situation.

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  • Auctions – What you need to know

    Auctions are a common occurrence in today’s property market, so if you’re thinking of buying another home, it’s good to go in prepared with a winning auction strategy.

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  • Why buy a brand new investment property?

    While some things get better with age, a place to live isn’t always one of them.

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  • Loan approval with 5% deposit

    When it comes to buying a home, the deposit magic number is usually considered to be 10% of the sale price.

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  • All about interest-only loans

    While taking out an interest-only loan might save you money now, you should consider how the longer-term pros and cons will affect you and your budget.

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  • The importance of a building inspection

    When it comes to buying a property, a professional building inspection and pest inspection report should be some of the most important items on your checklist.

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  • Make your courtyard feel like a backyard

    Five great tips to make your small courtyard seem bigger. Make the most of what you’ve got with this fun, practical guide.

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  • Six ways to add value to your home

    Adding value to your home doesn’t have to be expensive. Here we show you some easy and inexpensive ways to make your home worth more.

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  • How we find the right loan for you

    Selecting the right loan for you is about more than just interest rates. Your broker takes a long-term view to help get you great loan options that suit your individual needs

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  • Top tips for comparing home loans

    While it’s important to compare different home loans, it can be complicated. Here are some of the main things to look for when comparing.

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  • Tips for successful auction bidding

    Auctions can be tricky: they can be fast-paced and emotional, and there are lots of rules and procedures you should know before placing your first bid.

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  • 5 tips to succeed as a property investor

    Building an investment portfolio starts with a single purchase. Here are some tips to ensure you’re fully prepared and make a successful start as an investor.

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  • Avoid the pitfalls of buying off the plan

    Buying property before it’s been built is a great way to save money, but it does come with risks. Here are pros and cons of buying off the plan.

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  • Top tips for achieving success as a landlord

    Managing your investment properties can come with risks. Whether it’s one property, or many, here’s some advice to make being a landlord a smooth experience.

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  • Pros and cons of strata titles

    Strata titles go hand in hand with buying a unit or apartment. Find out your rights and responsibilities, and how to avoid disputes.

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  • 5 essential tips for stress-free property investing

    Start building your investment property portfolio with confidence using these essential tips for new investors.

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  • Finding the right broker

    Finding the right mortgage broker can save you a lot of time and hassle during the home buying process.

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  • 5 negotiation tips for buying property

    Building your negotiation skills can help you get the best possible price when buying a property. Find out how with these 5 tips to help you negotiate when buying a property.

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  • Buying a home: Are you ready?

    There are a range of questions you need to ask yourself before you take the home-buying plunge so we’ve put together five of the most important to help you on your home ownership journey.

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  • The loan application process explained

    Applying for a home loan can be confusing. Choice Home Loans provides you with all the information you'll need to make it a pain-free process, here.

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  • Ask questions to receive the best advice

    By asking the right questions, you can make sure one of the most important financial decisions is the right one.

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  • Knowing what to invest in

    If you’re new to investing, here is some basic advice to get you started.

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  • Interest only loans - pros and cons

    Interest only home loans are a type of loan that can allow for increased cash flow and flexibility, but they may not be the best option for every type of borrower.

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  • Add more value to your home

    Here are some of Choice Home Loans’ top tips for simple home renovations.

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  • Renting or buying?

    When it comes to property, the decision between renting and buying is often a difficult one.

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  • Building an investment portfolio

    How does a would-be investor get started in the property market, and ensure they make the most from their investment?

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  • Is spring the right time to buy?

    Spring is widely known as the busiest time in the home buying calendar, but is this true?

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  • Help for first home buyers

    First home buyers are beginning to make up a smaller and smaller amount of the total property market

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  • Right time to obtain a home loan?

    If you’re an aspiring first home buyer, you may be wondering how to buy into the market at a time that will give you the best value for money.

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  • The benefits of locking your savings up for longer

    If you are trying to save a deposit for your first home, you may be finding it challenging to keep a regular flow of savings that you don’t dip into.

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  • Saving money the smart way

    Cutting down your living costs is not as difficult as you might think. Here are Choice Home Loans’ top tips for saving money the smart way.

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  • Low deposit home loans

    If you want to buy a home but haven’t been able to save much of a deposit, you may find it more difficult to get a home loan

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  • First Home Buyer saving tips

    Today’s low home loan interest rates are encouraging many young families to get off the renting bandwagon and apply for their first home loan.

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  • Mortgage Broker or Direct Deal

    One of the advantages of using a mortgage broker is that they can take the hard work out of home loan comparisons

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  • Getting a home loan even with poor credit history

    It's still possible to obtain a home loan even if you have had credit problems in the past. Choice Home Loans explains how.

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  • New Homes or Established Homes?

    There are lots of incentives to buy a new home, but does it really save you money?

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  • How to buy your home with no deposit

    No deposit home loans are a lot harder to come by than they used to be, as banks now have stricter requirements due to the Global Financial Crisis, but there are still options available

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  • All about interest only loans

    An interest only home loan may allow increased cash flow and flexibility, however may not be the best option for every type of borrower

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  • How much interest are you paying?

    When it comes to home loan rates, interest is a subject that can keep many borrowers up at night. Learn ways to manage your monthly loan repayments.

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  • Which home loan calculator?

    Home loan calculators are a simple way to assess every part of your mortgage, from how much you have left to pay, to what extra costs you will have when you buy a new

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  • Positives of a pre-approved home loan

    While it's not a must, getting pre-approval for your first home loan can make the buying process a lot easier.

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  • Shortlisting the best home loan in 5 minutes

    Shopping for your first home loan can often be difficult and overwhelming. Learn ways to shortlist the best home loan in 5 minutes and ensure you're getting a good deal.

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  • How to spot a great mortgage broker

    Using mortgage brokers can make it much easier for you to find the right home loan, but it’s important to make sure your broker has the experience and credentials to give you the help you need.

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  • Five tips when looking for home loans

    Your home loan will most likely be the biggest financial commitment you will ever make, so shopping smartly for home loan rates is extremely important.

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  • Saving for your first home

    Buying your own home might seem out of reach but with some careful planning, getting a deposit together for your first home loan might not be as hard as you think.

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  • Refinance your home loan

    If you're unhappy with your current loan or looking to refinance due to a change in circumstances, we can help you through the refinancing process.

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  • First home loan calculators

    Mortgage calculators are designed to alleviate some of the stresses associated with buying your first home.

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  • Need help buying your first home?

    Taking the plunge to buying your first home is no mean feat. A mortgage broker can help you navigate this important part of your life.

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  • Eyeing an Apartment?

    As lifestyles have changed and affordability has become more of a challenge, apartments have become increasingly popular.

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  • Get into the market sooner

    Get into the property market sooner with these three tips that could help you save for your first home loan.

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  • Don’t let your super get away

    Approximately half of all working Australians has some lost superannuation.

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  • Beyond the big four banks

    Should you go directly to the bank for your home loan, or consider alternative options?

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  • Is your lender a good fit?

    Before choosing any home loan lender, it's important that you and your lender are on the same team.

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  • Choice Home Loans for Mortgage Financing

    With so many products to choose from it’s almost impossible to know which mortgage products are right for you without doing at least some research.

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  • Finding The Best Home Loan

    Never before has it been more important to find a home loan that is not only right for you today, but one that will also be right for you in the years to come

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  • How to get the best rate

    Securing the best mortgage interest rate can mean thousands of dollars of savings over the life of your home loan.

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  • Find affordable rates online

    Securing a home loan rate that is affordable can mean the difference between financial freedom and financial struggles.

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  • Qualify for your first mortgage

    If owning a home is a dream of yours then you'll have to get ready and that means knowing what it takes to qualify for your first mortgage.

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  • Fixed rate home loans

    Fixed home loans offer plenty of features that are desirable to borrowers, but there are also other loans that may fit the bill too.

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  • Is now the right time to buy?

    Timing is everything and regardless to what you see on the news or read about the housing market.

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  • Why refinance your home loan?

    Your current home loan might have been a great deal when you first got it, but banks are competitive, rates change and lending products evolve.

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  • Online mortgage brokers

    Online mortgage brokers offer a wide range of benefits and can help you save time and money, and not to mention fuel.

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  • Saving for your first home loan deposit

    So you want to save money to apply for a Home Loan but are struggling to save?

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  • Are mortgage calculators helpful?

    Mortgage calculators can remove much of the guess-work of applying for a mortgage

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  • How to get the best mortgage rate

    Getting a good mortgage rate begins with doing your homework.

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  • Securing a new home loan

    When it comes to purchasing a home, information is power. Knowing what to do and how to best achieve it can help you in the home buying process

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