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June 20, 2017 by Deb Smith Leave a Comment

[FINANCE} Understanding your credit score

There are a lot of people who don’t know what a credit score is. According to a survey by finder.com.au, 12.3% of people have no idea what it is and how it affects the ability to borrow money. What is a credit score? A credit score or rating is a score that shows your financial […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: Credit Score, Finance, Mortgage

March 2, 2017 by Deb Smith Leave a Comment

{PROPERTY INVESTING} How to win at house flipping

No, it is not picking a house up and flipping it on its roof. House flipping is when real estate investors buy homes, usually at auction, and then resell them at a profit months down the road.  Done correctly it can be a proven path to generating wealth …and after all most of us want […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker, Educate Me Tagged With: Finance, house flipping, Personal Loan Application, Property Investor, Property Investors, Save Money

November 16, 2015 by Deb Smith Leave a Comment

When to consider home loan refinancing?

For long-term borrowers, it’s easy to get into a pattern of repayment and assume that there’s no need to tweak things here and there. What might surprise you is that becoming complacent with your home loan could be costing you thousands. It pays (literally) to do a regular assessment of your mortgage, whether it is […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: ASIC, Credit Rating, Deb Smith, Debt, Finance, Home Buyer, Home Loan, Mortgage, Mortgage Application, Mortgage Broker, Personal Finance, Personal Loan Application, Property Investor, Refinancing, Reserve Bank of Australia

August 6, 2015 by Deb Smith Leave a Comment

Important Information for Property Investors!

The federal regulator is currently implementing major and unprecedented changes to the Australian mortgage industry. Given governmental concerns over the booming property market, particularly in Sydney and Melbourne, a range of rules are being introduced that specifically target investment loans APRA (Australian Prudential Regulation Authority) is the department that is implementing these changes. APRA has […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: Banking, Deb Smith, Finance, Financial Institutions, Home Buyer, Important Information, Interest Rates, Mortgage Application, Mortgage Broker, Mortgage Market, Personal Loan Application, Property Investor

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