Fixed, Variable, Split - Find the Right Fit for You

In Australia, there are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage. Here is some information to help you choose the repayment structure that works best for you. StartFragment Variable Rate Loans Variable interest rate loans are all about flexibility. Essentially, with a variable rate loan, the interest rate moves up or down as the market moves. This means your loan repayments may also change month-to-month. If the interest rate drops, then your repayments may drop as well. However, in the event of an interest rate rise, your repayments could also increase. Many variable rate loans come with additional features

How To Add Maximum Value With Renovations

Renovating is one of the best ways for property owners to increase the value of their homes. If you’re looking to add value to your home, but don’t want to renovate every room, it can be difficult to decide where to start. Here are some ideas to help you decide which part of your property to focus on for the best results. The Kitchen The kitchen is widely regarded as the best place to start when renovating – and while it can be a lot of work, the rewards can be substantial. Despite being one of the most expensive rooms in the house to renovate, there’s no need to break the bank. An updated kitchen can make a huge impact on potential buyers, by giving your home a ‘ready to move in’ feel. The

Why Location Is Crucial When Buying An Investment Property

The first thing most of us look at when selecting an investment property is its location. If the property itself isn’t quite right, you can always renovate, but it’s not as easy to move a house to a better location. That’s why you should consider the location carefully. Here are some of the most important things to look for. Love Thy Neighbour Before you buy, familiarise yourself with the local community. If possible, visit the neighbourhood during both day and night to get a feel for whether it’s a safe place to live. Are there kids playing outside or security bars on the windows? Are there trampolines in the front yards or the remnants of last night’s party? This will help you determine wh

Herron Todd White Month In Review - November 2016

Small projects in Brisbane are a way for dabblers to dip their toe into the big pool of property projects. Our city has all the important elements to help make small development fairly low risk. Our buy-in prices for sites are relatively cheap (compared to Sydney and Melbourne at least) plus there are a number of town plans in the region that have created proactive small development zones. Also – despite our fairly subdued overall market – there’s still enough demand for end product, be it vacant land, a new home, or even a townhouse or unit. You can make a profit with most property types, but only if you adopt a smart approach. Due diligence is essential, even in Brisbane’s relatively forgi

RBA Interest Rate Decision November 2016

The Reserve Bank of Australia has delivered the decision of its monthly board meeting. MB_ContentMRec_300x250 The RBA, as widely anticipated, has today decided to hold the official cash rate at its record low of 1.50 per cent. Of the 33 industry experts surveyed by mortgage comparison site, 30 (90 per cent) correctly predicted that there would be no change to the rate today. Although below the RBA’s target range of 2 to 3 per cent, many experts believed that a modest lift in inflation last week (now at 1.3 per cent) and concerns about heated property markets in some capital cities stayed the RBA’s hand. Paul Dales, chief Australia and New Zealand economist of Capital Economics

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