Rates are moving. What are your options?

In February, the last of the major Australian banks increased its rates putting its owner-occupiers on principal and interest up 0.12% and interest only rates up 0.16%. These ‘out of cycle’ can add up to big $ in additional repayments over the year of a loan. RBA Governor, Philip Lowe, recently admitted that the odds…


Investment property strategies explained

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Property investment can build wealth. But what are the specific strategies you should consider? Whether you’re just getting started on the property ladder, or already have a few properties in your portfolio, the investment decisions you make will be the difference between success and failure. Here I look at three common strategies and how they…


How to buy a new home before selling. Bridging finance explained.

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Often, clients need to sell their existing home to purchase a new one so it helps to understand the finance options available. The sale of a property doesn’t always align with the purchase of a new property so I often recommend a bridging loan to ease financial strain during the transition. A bridging home loan,…


Does Afterpay affect your credit score?

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Short answer – no, as long as you’re using it responsibly. Afterpay is definitely the current craze, with the buy now, pay later approach to purchases. It allows you to immediately buy a good or service and pay it off later in four equal instalments over eight weeks. Afterpay don’t do a credit check before…


5 reasons to refinance your home loan

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Refinancing your home loan can mean so much more than saving money with lower interest rates – making the right move could see you make savings in more ways than one! If you haven’t reviewed your mortgage in a while, it makes sense to give it a once-over. We sometimes call it a home loan…


Loan Q&A: Your big questions answered

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There’s a lot to know about loans, especially if you’re taking one out for the first time. So let’s tackle some of the common questions… How much can I borrow? Unfortunately, the answer to this one is ‘depends’! It differs from lender to lender and can vary quite a bit (depending on their criteria, income,…


Thinking of investing in property? Here’s what you should know:

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If you’re thinking about buying an investment property in 2018 but you could benefit from some guidance, you’ve come to the right place. I understand that dipping your toes into the world of property investment can appear daunting, that’s why the Green Team are here, to bring confidence to your decisions. Let’s start by looking…


Happy (debt free) New Year!

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While I’m not big on new year resolutions (too easily broken) I’m pretty partial to setting a good old-fashioned goal with a basic plan to achieve it (by basic I mean no more than 3-4 steps). And, as January rolls into the rearview mirror (yikes) and the focus on finance – thanks to the Christmas, Boxing Day sales,…


Commercial Property Loans: How banks put a price on debt

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Ever thought about how to get the best deal on commercial real estate finance? Below, James Kelder, our very own Commercial Finance expert, explains the key considerations of banks and lenders: When it comes to bank loans for property, people often think in terms of buying a home. Usually, the terms are quite rigid and…