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  • gearing

    If you are looking to invest in property, you will have come across the term ‘positive and negative gearing’. Before building or selecting a property to invest in, it is important to determine what your investment ‘gearing’ strategy is. This is where an understanding of whether your home is positively geared (a cash-flow property strategy) […]

    equity

    Equity is an untouched asset many home owners do not fully utilise. In simple terms, equity is the difference between what your home is worth, and how much you owe on it. For example, if your home is worth $400,000 and you still owe $250,000, your equity is $150,000. Within five to ten years of […]

    improve finances

    Trying to improve your finances is not an overnight task. Working towards a deposit for your home takes time and patience. The best way to approach it is to start with small changes in your life. This doesn’t mean giving up absolutely everything, but rather cutting back on the non-essentials in life. Every little bit […]

    property investment

    When considering investing in property, you will want to choose a home design that is simple and versatile. You may have multiple tenants over the years at varying stages of their family life, so a versatile design where a study can be turned into another bedroom or a second living room could be ideal. When […]

    offset account

    Make the most of an offset account

    An offset account linked to your mortgage can be a great way to reduce the amount of time and interest you pay on your home loan. An offset account works in the same manner as your everyday banking account with one crucial difference – the balance is offset daily against money you owe on your […]

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    Buying your first home is a wonderful experience. It can be that life-changing step towards freedom, but in order to take that step you need a deposit. The more money you save the less you’ll have to borrow, and the less you’ll have to borrow, the less you’ll have to pay in interest. Sound easy? The […]

    pay mortgage faster

    Do you want to pay off your mortgage faster? Your home loan is most likely the biggest commitment – and largest amount of debt – you will take on in your entire life. Paying it off as fast as possible is something many people aim for to help save thousands of dollars in interest and […]

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    Save money on your bills with these easy steps. The keys are in your hand. You are ready to step into your brand new home. All those costs associated with it are finally paid, and now all you have left is the hefty mortgage you don’t want to think about – or so you think. […]

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    Building or buying your first home is a huge learning curve. You will discover new terminologies, new processes and be granted enormous decision-making choices. However, as with anything new, mistakes can be made along the way. Here is a list to help avoid first home buyer mistakes. Remember, it always pays to be prepared! 1. […]

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    Hotondo Homes build homes to cater for people at every stage of their life. The release of 12 new home designs further cements Hotondo Homes as a builder that will build to suit different family, lifestyle and budget requirements. With over 90 floor plans to choose from there is sure to be the perfect home […]

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    As land becomes increasingly scarce in certain suburbs, particularly in metro areas, more and more people are opting to knockdown and rebuild. Building to suit current lifestyle needs is a major benefit of choosing to knockdown and rebuild. It can also eliminate the stress and costs involved in renovating or extending an existing home. Similarly, […]

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    Ways to save this Christmas

    Christmas time can be an expensive time of year due to parties, buying gifts for friends and family, the cost of food and alcohol and going on holidays. It’s often a time when people find themselves under financial pressure, sometimes resulting in debt carrying over to the New Year. While Christmas can be expensive, there […]

    Erskine240_Berwick

    Whether you’re married with a family, single, looking to buy your first home or wanting to invest, the benefits of buying a house and land package should not be overlooked. House and land packages are one of the most economical and efficient ways to gain a tangible asset and create a home you love. Some […]