Other Lending

It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan. Looking for a property to purchase is an exciting time. Choices regarding location, size, number of rooms and local amenities often see house hunters carried away in a deluge of daydreams and anticipation. However, before you get carried away, it’s important to check off the essentials first. Although organising your finances may seem drab in comparison to perusing sales listings, gaining pre-approval with a lender will give you confidence about how much you can afford to borrow. Arranging finance before finding the perfect property
You’re in the perfect location, so it might make sense to invest in what you’ve already got. Your first problem; improve and expand, or rip it down and start over? If the location suits, and you love …
Since the start of the financial year, the RBA has cut rates to an unprecedented 0.75%. What happens if rates crash through zero and into negative territory? In August, Reserve Bank governor Philip Lowe told Federal Parliament’s Standing Committee on Economics that the RBA was prepared to do “unconventional things” to kick-start a flailing economy. It may be that unconventional measures are needed for unconventional economic times. At the same time as early signs are showing that the housing market is starting to find its feet in a low-rate environment, the government slashed its expected revenue during December – erasing almost half the surpluses originally predicted through to 2023. The Australian unemployment rate ended 2019 at 5.25%, wage growth has again been revised down

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