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Updated by Your Mortgage on Sep 01, 2018
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Home Buyers Guide


What is your borrowing power?

By Gavin Smith | 27 Jun 2014 Font size : Having a clear understanding of what your borrowing power is before house hunting will help give you a realistic idea on what property you can afford to buy. Your borrowing power or borrowing capacity is the amount of money a lender will loan to you.

State Policy Will Help Feather Your Nest

By Jo Chivers | 27 Jun 2014 Font size : In 2009 the NSW Government released a new policy that has been well accepted by most property owners; including investors and owner occupiers alike.

Interest Rate Predictions

Over the last 25 years, a key indicator of interest rates, the Reserve Bank of Australia's cash rate, has fluctuated between 2.5% and 17.5% per annum. Since August 2013, the rate has remained unchanged at its record low of 2.5% and although it should remain steady, its next move is likely to be up.

6 selling tactics to get the top price

By Nila Sweeney Font size : If you're attempting to sell your property in the current buyers' climate, you want to ensure you're going to get a good price, and not get carried away with the discounting that often happens in a soft selling market.

La Trobe Financial launches SMSF product

By Your Mortgage Font size : La Trobe Financial has introduced a new self managed super fund product at 5.6%. The product allows SMSF borrowers to purchase a variety of properties, including residential, retail, commercial or rural/residential. The decision to launch the product was made as La Trobe acknowledged the increasing market of more than 3,000 SMSFs' being established each month in Australia.

Are you the Investor of the Year?

By Nila Sweeney Font size : Your Investment Property is searching for Australia's no.1 property investor for 2011. Could it be you? The fourth annual Property Investor of the Year Award aims to find Australia's leading property investor and to recognise and celebrate the achievements of property investors around the country.

Best travel insurance

By Nila Sweeney Font size : The cover you need depends on the destination you're travelling to and the type of traveller you are. Think about the other insurance policies you have in place as travel policies will only usually pay claims once you have exhausted all other avenues.

Can't afford a house? Buy in Adelaide!

If you think you can no longer buy a property under $300,000 within close distance of the city, think again. In Adelaide alone, more than half of the suburbs (52.5%) or a total of 159 areas are still offering a median house price under $350,000 according to RP Data.

Downsizing Tips

By Nila Sweeney Font size : Big to small Start with the large items in each room and work your way down to the small items. If you start with the small items, you may get overwhelmed and frustrated before you even get started.

State Policy Will Help Feather Your Nest

By Jo Chivers | 27 Jun 2014 Font size : In 2009 the NSW Government released a new policy that has been well accepted by most property owners; including investors and owner occupiers alike.

Slowing Winter Property Market

Property prices have been rising since March 2013 but the May figures in the RP Data-Rismark Home Value Index shows an average drop of 1.9% in properties in capital cities across Australia. Dwellings in Melbourne recorded the greatest drop in prices with a 3.6% fall while Sydney prices softened 1.1% and Brisbane was down 1.7%.

Are you charging the right amount for rent?

Calculating rent is an extremely important part of being a property investor. Charging too much or too little can have a damaging effect on your rental return, so it is worth taking the time to get it right.

A tweak in the schedule is worth two in the bank

By Jo Chivers | 11 Jun 2014 Font size : So you've just received your DA & CC consent and it's almost time to start building. Just how long will the construction phase of your development take? Or more importantly, the question is how long before you start making a return on your investment?

Signs are good for winter real estate markets

By Angus Raine | 05 Jun 2014 Font size : It's pleasing news that despite the spending cuts and tax increases announced in the Federal Budget in mid-May, the government has decided to leave negative gearing alone.

How to Protect my Property from Damage by Tenants

Question: What measures can I put in place to protect my rental property from damage by tenants? The following tips may help investors to protect their property from damage. Answer: By Carolyn Parrella Executive Manager, Terri Scheer Insurance Protecting your rental property from risks is one of the best investments landlords can make.