Home Loans

One in five new borrowers fix home loans

First home buyers are locking in more fixed rate home loans than they were four years ago as arrears rates continue to improve.

Banks' could pull back on home loans

Gareth Hutchens Banks could pull back from lending to new home owners after making losses on mortgages.

MORTGAGES

How to ask for more money

Mortgage.

Christine Long Doing some home improvements or getting a new set of wheels doesn't have to trigger a complete mortgage makeover.

PROPERTY

Head over heart the best tip

Melissa Browne Buy a new place, and rent out the old one? Make sure it is a financially sound move.

LOW-DEPOSIT LOANS

Seeking to get a foot in the door

Christine Long For first home buyers battling to get into Australia's competitive property markets, 95 per cent home loans can offer a doorway in. But borrowers should do their homework first.

THE 'HONEST' BROKER

You'll never beat the banks by fixing your rate

Fixed rates are for chickens.

Marcus Padley Basically, fixed rates are designed for chickens and the over-geared. If you're fixing because you're over-geared, it's simple: you are borrowing too much.

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HOME LOANS

Ten more mortgage myths to bust

Mark Bouris dinkus.

Mark Bouris Informed borrowers make better choices, so here are another 10 mortgage myths we can bust:

CREDIT SCORES

Good records lead to better loans

House with dollar coin

John Collett Solid credit scores could help you get a cheaper mortgage if Australia follows the US.

CREDIT CARDS

Dumb debt can rack up interest costs

Credit card debt.

David Potts It's more about when, rather than where, the credit's due that should worry you.

Busting finance's tall tales

Mark Bouris dinkus.

Mark Bouris I've noticed a number of myths and misconceptions that keep coming up about mortgages, so I thought I would address the 10 most common.

RATES

Do the sums on mortgage options

Mark Bouris With low interest rates forcing competition among lenders, price is not the only factor.

PROPERTY

It pays to keep a cool head

melissa browne dinkus

Melissa Browne Let me share my tips for safely navigating the treacherous waters of the property market.

BALANCE TRANSFERS

Forget loyalty - card switching can help you get on top of debt

money cover dog loyalty and credit card


09money.jpg

Christine Long Need some breathing space from heavy interest charges on your credit card debts? A balance transfer deal could be the answer.

INSIGHT

Time to shop around for cut-price credit

Money:97032: Picture by Craig Abraham: Picture shows the torso of a women holding a basket of money.

shopping, home loans, home finance

Clancy Yeates Banks are competing fiercely to sign up more customers in anticipation of stronger credit growth. This means many are offering cut-price home loans

INSIGHT

Light at the end of the tunnel for savers

Clancy Yeates You wouldn't guess it but almost two-thirds of households don't have a mortgage.

SUIT YOURSELF

Does red zone thrill, or are you still a bit green?

Gas or steam leaking from an industrial pressure gauge. Very high resolution 3D render. resaved version of iStock file. previous one corrupting in Cyber. generic iStock.  Gauge and pressure and steam.

Emily Chantiri It is never too early to start investing, but one strategy does not suit all.

PROPERTY

Find an affordable home and save for it

Mark Bouris dinkus.

Mark Bouris Housing affordability for first home buyers is in the news, with properties in Sydney and Melbourne selling for more than many first-timers can afford.

PROPERTY

Analysts pop bubble speak

John Collett

John Collett With house prices on the move again, so too is talk of a house price bubble. Concern is mostly centred on Sydney, where prices are roaring back to life.

BORROWING

Stability helps secure a loan

Mark Bouris dinkus.

Mark Bouris Here are my top tips to ensure first-time mortgage borrowers can secure a loan.

FINANCIAL STRESS

Be cautious, first-timers urged

First home buyer.

John Collett With a threat of mortgage interest rate rises in the near future, home buyers are asked to tread carefully.