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.

BOURIS ON MONEY

Time for a fresh look at credit cards

Mark Bouris If you must have a credit card, then come up with a plan, look for a low rate, and clear the balance each month.

CAR FUNDING

Check blind spots in car plans

Christine Long They're one of the largest purchases most people will make, so smart funding options and ways to recoup some of the outlay on your car are worth considering.

Sunday Money Data Service

See how Australia's biggest listed companies performed this week

PROPERTY INVESTING

The only way is up for interest rates

John Collett First time buyers should not make the mistake of thinking super-low interest rates are the new normal.

Sunday Money Data Service

See how Australia's biggest listed companies performed this week

BOURIS ON MONEY

Home loan rates will rise – so be prepared

Going up: Ignoring rising interest rates is a big mistake.

Mark Bouris It’s worth having a plan for repaying a home loan at a higher interest rate than the rate at which you borrowed.

Don't be misled over the deposit you need

Don't let LVR confusion crush your dreams of buying a  desired home.

Michelle Hutchison There's a lot of confusion for home buyers over advertised loan-to-value ratios.

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BUYING TO LET

Patchy outlook for investors

Building wealth.

John Collett Record-low interest rates have been driving property prices higher. But borrowing won’t always be cheap and, if you’re thinking of buying to let, you will need to tread carefully.

Default looms for millions of Australians

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 Telstra / Phone Bill / Overdue Account /Phone Account.

John Collett Six months after new credit reporting regime began, a picture is emerging of a country up to its neck in debt.

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GEARING

Investors taking advantage of negative gearing tax breaks drive property prices higher

Wheel of fortune: Many property investors rely on the tax breaks they can achieve through negative gearing.

John Collett Property investors taking advantage of Australia's tax system are helping to drive up property prices and shutting out first-time home buyers.

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GET FINANCE FIT

How to survive the first year of the mortgage

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Christine Long It can be tough, but some planning can help you survive the first 12 months in your own home .

DEBT'S THE WAY

Debt that's good, debt that's bad

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Christine Long There are different types of debt. Some drag you down, while others can give you lift-off.

INSIGHT

Debt policy? Better wait than never

Clancy Yeates No one likes missing out, but getting caught on the wrong side of a downturn would be worse.

Get a step up with your mortgage

Up the rungs: Do your homework to climb the housing ladder.

Mark Bouris With a bit of homework and a willingness to bargain, people can save money on their mortgage and get ahead.

BORROWING

First-time property buyers in Sydney and Melbourne need to be careful

The property market is running hot with a large number of auctions in Sydney and Melbourne.

John Collett Sydney and Melbourne property prices still show no signs of peaking.

Mortgages

Don't fall for the mortgage traps

A helping hand: Glenn and Danielle Waterson were delighed wit the deal their mortgage broker secured for them.

David Potts Lender's insurance can cost thousands and actually protects the bank, not the borrower writes David Potts.

BORROWING

Plan ahead when buying first home

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Mark Bouris When interest rates are low, house prices usually rise and first-home buyers can feel shut out of the market. But all is not lost when sticking to a few simple tips: 

CREDIT REPORTS

Do you know your credit history?

Mark Bouris Credit reports are a fact of life if you want to borrow money and they can be really helpful, so learn how they work and start planning.