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September 7, 2017 by Deb Smith Leave a Comment

Three ways to rock an auction

You are standing there at the auction of your dream home, palms sweaty as you wait for the auctioneer to close on your bid … heart pounding as the call goes “going once, twice, three times …” It is like being on a rollercoaster-  exciting and nerve-wracking – and the last thing you want to […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker, Educate Me Tagged With: auction, Finance Broker, Home Buyer, Home Loan, Mortgage, Mortgage Application, Property Investor

March 16, 2016 by Deb Smith Leave a Comment

What should you look for in a home before buying?

If you’re looking to use your first home loan and enter the property market, be wary of misinformation. One of the most important things to remember is that homes often look different in the flesh compared to the glossy photos posted online or in a brochure. The property is being presented for sale, thus all […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: Borrowing Limit, Consumer Affairs, Deb Smith, Fair Trading, Finance Broker, Home Buyer, Home Buyers, Home Loan, Lending Application, Loan Application, Mortgage, Mortgage Application, Mortgage Broker, Personal Loan Application, Property Inspections, Property Investor, Property Investors

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

October 19, 2015 by Deb Smith Leave a Comment

What to do when interest rates rise?

When you take out a home loan, you have a good idea of how much you can borrow and what your repayments will be. However, economic conditions can change alongside your personal financial situation. It could be a loss of income, unexpected emergency or, as we see happen often, an interest rate rise that means […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: Deb Smith, Financial Situation, Home Buyer, Home Loan, Home Loan Refinancing, Interest Rates, Mortgage, Mortgage Application, Mortgage Broker, Personal Finance, Personal Loan Application, Property Investor

September 17, 2015 by Deb Smith Leave a Comment

Property Valuation Risks

When you apply for a home loan, the bank will value the property to determine the market value, right? Wrong! While it’s true that when you apply for a mortgage, your bank will place a value on the property you’re buying, the figure they come up with is not necessarily an accurate representation of the […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: Bank Valuations, Banks, Construction Costs, Deb Smith, Home Buyer, Home Loan, Inflation, Investment Property, Mortgage, Mortgage Application, Mortgage Broker, Personal Loan Application, Property Investment, Property Investor, Property Valuation, Risks, Valuations

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