What is a good credit score and how do you get one?

Want to tackle your finances this year? Finding out where you stand as a borrower can be a good place to start. Your credit score gives banks and other lenders a general picture of how reliable you are as a borrower. If you have a good credit score, this signals that lending you money is likely to be less of a risk. But what can you do if your score is currently low and you want to increase it? What is a credit score? Your credit score is calculated based on the information in your credit report. This report shows a detailed record of your history as a borrower and includes information such as how much you have borrowed in the past and whether you have paid the money back on time, as well as

Come prepared: your home loan application guide

Take the stress out of applying for a home loan with a little preparation. Here are a few things you can expect to encounter when seeking loan approval. Whether you are applying for your first or fourth loan, the process can seem overwhelming. But it doesn’t have to be. By familiarising yourself with some of the common home loan requirements and terms, you will immediately feel more confident when applying for your next loan. ID check Firstly, you will need photographic proof of identity – a driver’s licence, passport or proof of age card will suffice. You will also need secondary documentation, such as a Medicare card, rates notice or utility bills that are no more than three months old. Mo

HTW Report - August 2020

Brisbane Before we tackle this month’s theme, let’s see what there is to report on market changes under COVID. Here in Queensland – as at the time of writing at least – we remain relatively in control of the outbreak, although the coming days will be testing. The result is that a tiny bit more confidence has etched its way back into our market. Anecdotal evidence suggested a considerable slowdown in activity throughout April and into early May with a reduction in both properties for sale (supply) and buyers (demand). As the lockdown restrictions eased, and Government stimulus measures were announced, values have continued to hold as open homes and auctions operate with some sense of normalcy

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