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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

July 27, 2015 by Deb Smith Leave a Comment

3 ways to pay your mortgage off faster!

If you’re interested in climbing in to the property market, chances are you’re probably going to need a home loan. The Observations on the value of mortgage broking report commissioned by the Mortgage and Financial Association of Australia made some interesting findings, including the fact that the home loan industry has shown growth for almost […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: Budget, Deb Smith, Home Buyer, Loan Repayments, Mortgage Application, Mortgage Broker, Mortgage Review, Payment Schedule, Personal Finance, Personal Loan Application, Property Investor, Schedule Payments

June 25, 2015 by Deb Smith Leave a Comment

How Cutting your credit card up can save you money!

Do you have credit card or personal loan debts that stubbornly refuse to go away? We may have a solution. Whilst a minimum monthly credit card repayment of 3% seems quite easy to handle at first glance, a $30,000 debt will require a $900 per month payment. A significant commitment. Compare this with a current […]

Filed Under: Deb Smith - Mortgage Broker & Finance Broker Tagged With: Credit Card, Credit Card Rating, Deb Smith, Debt, Debt Solution, Finance Application, Home Buyer, Home Loan, Mortgage, Mortgage Application, Mortgage Broker, Personal Finance, Personal Loan Application, Personal Loans, Property Investor

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    4C, 61 High Street, Wallan 3756
    VIC, Australia
    Phone: (0411) 777 876
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