Three-in-five prospective first home buyers intend to buy soon with a smaller deposit, rather than wait until they have saved a 20% deposit. So how do they plan on doing so?
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Four ways to dive into the property market with a smaller deposit
By pcpl.net.au
/ September 26, 2019
Home-ownership within reach: will you qualify for new buyer scheme?
By pcpl.net.au
/ September 18, 2019
Imagine buying your first home with only a 5% deposit and not having to pay lenders mortgage insurance. Well, that dream is one step closer to reality after the government introduced legislation to implement the First Home Loan Deposit Scheme.
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Has the tide turned? Household lending surges
By pcpl.net.au
/ September 11, 2019
Lending to Aussie households spiked 3.9% in July, the strongest growth seen since October 2014, according to the Australian Bureau of Statistics (ABS).
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Is the housing market drought finally over?
By pcpl.net.au
/ September 5, 2019
Marge, Marge, the rains are ‘ere! Home prices have recorded their first rise since October 2017, with national dwelling values increasing 0.8% over August, according to the latest CoreLogic report.
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Buy now, pay now: the importance of budgeting for gifts
By pcpl.net.au
/ August 28, 2019
How much do you think the average Aussie spends on gifts each month? $20, $50 or 100? (hint: we’re a generous bunch). Today we’ll look at why it’s important to budget for these expenses correctly, rather than succumbing to ‘buy now, pay later’ services.
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Caviar and wine, anyone? What a court ruling means for you
By pcpl.net.au
/ August 15, 2019
Indulgences such as caviar, wagyu beef and the finest bottles of wine shouldn’t count against you when lenders assess your application for finance, a Federal Court judge has said.
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On the hunt for a new loan provider?
By pcpl.net.au
/ August 8, 2019
One in 10 consumers have switched credit products in the past year, according to new research, with Millennials and women in particular pouncing on offers from small banks, credit unions and building societies.
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Planning ahead: RBA says expect long-term low interest rates
By pcpl.net.au
/ August 1, 2019
Good news for mortgage holders this week, with the RBA saying "it’s reasonable to expect an extended period of low interest rates”.
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How criminals steal your identity to steal your money
By pcpl.net.au
/ July 25, 2019
Scams involving identity theft have cost Australians at least $16 million this year, and that figure is likely to be just the “tip of the iceberg”, says the ACCC.
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Got a spare pineapple? Pay off your mortgage faster
By pcpl.net.au
/ July 18, 2019
Reckon you could scrounge together an extra $50 each week to pay off your mortgage? If so, latest modelling shows the average household with a $400,000 loan could save $46,992 and pay off their home loan four years faster.
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Housing affordability the best it’s been since 1999: HIA
By pcpl.net.au
/ July 11, 2019
Great news for home buyers - housing affordability is the best it’s been since 1999, according to new data released by the nation’s peak housing and building body.
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What the cash rate cuts mean for other areas of your finance
By pcpl.net.au
/ July 4, 2019
Whenever the Reserve Bank of Australia (RBA) changes the official cash rate we all hear about how it will impact home loans. But it affects many other areas of finance and the economy, which we’ll look into today.
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RBA goes back-to-back with cash rate cuts
By pcpl.net.au
/ July 2, 2019
The Reserve Bank of Australia (RBA) has cut the official cash rate by 25 basis points to a new record low of 1%. Yep, that's right, back-to-back rate cuts within just one month.
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Granny flat could boost your property value by 30%
By pcpl.net.au
/ June 27, 2019
Backyard cricket pitch not getting much of a workout these days? Sick of your weekends being taken up with mowing and gardening? Installing a granny flat could be a lucrative solution - boosting the value of your home by 30% and adding around 27% to rental income.
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How to find a bank with strong corporate social responsibility
By pcpl.net.au
/ June 20, 2019
Yes, we’re well aware that this may sound like an oxymoron to some! But cheeky jokes aside, this is a question we’ve been increasingly receiving. So today we thought we’d look into what good corporate social responsibility means, and how you can find it in a bank.
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Is the housing market finally about to reach rock bottom?
By pcpl.net.au
/ June 13, 2019
‘Are we there yet?’ That seems to be the million dollar question on everyone’s lips. Today we’ll take a look at whether or not the property market is finally starting to stabilise, as well as when we might start seeing some positive changes in the market.
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Will lenders pass on the RBA rate cut to you?
By pcpl.net.au
/ June 4, 2019
The RBA has cut the official cash rate to a new record low of 1.25%. But hang on a sec… Will lenders even pass on the cut in full? Today we’ll look at how you can make the RBA rate cut work for you.
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Your home is not perfect: the value of pest and building inspections
By pcpl.net.au
/ May 30, 2019
They say that home is where the heart is. And it’s true that we spend so much of our time, money and emotions in our homes. So it can be hard to truly look at them and think that something could be wrong.
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What the re-elected Coalition government has promised
By pcpl.net.au
/ May 27, 2019
No doubt, like most, you’re suffering from a bit of election fatigue. But stick with us - here’s one last article that explains what you can expect from the 46th parliament of Australia.
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APRA suggests banks relax key lending criteria
By pcpl.net.au
/ May 23, 2019
Here’s a bit of good news: you may be able to borrow more for your next home loan after the prudential regulator sent a letter to the banks asking them to relax a key lending criteria.
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