New rules make securing finance tough but not impossible for first home buyers

In our last update we discussed how the Reserve Bank’s latest lending restrictions, in place from November 1, were set to make securing finance tough for first home buyers. With the Reserve Bank changing the amount of high loan-to-value ratio (LVR) lending permitted, banks were required to cut new lending to owner-occupier borrowers who have […]

December Lending Update

Our mortgages and lending update, as the end of 2021 approaches We’re certainly nearing the end of the year, and many will be looking forward to 2022 as a fresh start from the alert level restrictions we have been dealing with since August. I thought now is the ideal time to both reflect and update […]

Buy now, pay now: the importance of budgeting for gifts

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.

Planning for the Future: A Guide for New Parents

Planning for the Future: A Guide for New Parents Your bouncing bundle of joy might need more than diapers and love right now, but, rest assured, as kids grow, so do the expenses they incur. Between cars, college and clothes, you’re in for 18 years of expenses. It’s estimated that it costs somewhere in the […]

Tips to Purchase a House with a Huge Student Loan In-Tow

Have you finally finished your higher education? Do you plan to settle down and make an investment in real estate? Homes can be a costly affair for those who are already encumbered with student loans. But with careful planning, you can find ways to save for and purchase the home of your dreams. Six ways […]

Signs that Show the Time to Sell Your Investment Property is Near

Real estate property is an excellent investment and a great source of income. But at times, it can become a dangerous asset to hold, one which may not give you the ROI you desire. Luckily, property always shows certain signs which tell owners that the time to sell is near. 5 signs that indicate your […]

Top 5 Tips to Rain-proof Your Property

With spring in full swing and monsoon in the wings, homeowners need to get started on rain-proofing their properties to avoid any nasty surprises later on. If you’re interested in getting started on rain-proofing your home, this article will be a great read for you. 5 easy ways to make your home rain-readyAt Total Mortgages, […]

5 Things to Do to Improve Your Credit

The decision to buy a house is monumental. Not only is it an expensive process but one which is fraught with multiple challenges. For one, if your credit standing isn’t great, your mortgage application may be rejected. However, with care and good planning, you can make yourself loan-worthy in no time. Here are our top […]