Home Loan
Overseas income buyer or Property investment developer?
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Insurance
Whether you need to cover your income, protect your mortgage, or ensure ongoing financial security in the case of illness we’ll help you understand how you can cost effectively cover your risks.
News
10 points mortgage checklist
2014-11-05
10 points mortgage checklist
Applying for a mortgage or negotiating new terms? Here's a handy checklist on how to get the best deal from your bank
1. Shop around
Some people don't realise it is possible to negotiate a home loan. Your bargaining points include how much deposit you have and how much other business you do with the bank.
2. Fixed or floating
Ask your banker to outline the pros and cons, particularly in terms of charges and interest rates. Or examine a split option and the benefits or downsides of each. For example, with a fixed-rate mortgage you know how much you'll be paying in each instalment,...
Navigating house insurance changes
2014-03-29
(from Fairfax news)
When my policy renewal letter from the insurance company arrived in the mail, I knew I could put it off no longer. It was time to sum insure.
Like everyone else's house insurance, my policy has rolled over every year with little more than a slight increase in premium.
This year it renewed with a very big caveat: unless we took steps, we could no longer bank on the insurer fully replacing our house if anything went wrong.
That means guessing what our house is worth to replace, or getting in a valuer. So I sit down at our computer and hit the "sum insured" calculator to try and...