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  • Mortgage

    Once you’ve saved up a deposit for a home, it’s tempting to go straight to looking at properties and house and land packages to find your dream first home! But before you do, you need to ensure you have approval in place for a mortgage. Without a mortgage, it’s unlikely you’ll be able to jump […]

    When you’re building a new home, it’s important to understand the fixed costs in the quote you receive from your builder. Many builders will put something called ‘prime cost’ items or provisional allowances into their quote, and clients may find that when it comes to actually selecting items for their home, they’re met with surprise […]

    Interest Rates

    Interest Rates Explained

    When you’ve found the perfect home to purchase, or the perfect block of land to build on and it’s time to organise a home loan, your mortgage broker will start talking to you about interest rates and which home loan gives you the best rate. If you’ve never held a mortgage before, it might initially […]

    Mortgage

    When 2019 arrived, did you decide that this was going to be the year you started saving to buy your own home? The start of a new year is often the perfect time to sit down and work out your savings goals by taking an in-depth look at your finances to figure out how you […]

    First home owner grant

    Calling all first home buyers! If you’re ready to make your very first real estate purchase, there are first home owner grants you may be eligible for to help you get into your dream home. We’ve done a little research and rounded up a quick summary for you of how each state’s First Home Owner […]

    Downsizing

    There are a number of reasons why people decide to downsize their homes. Perhaps the kids are grown up and have moved out, maybe you’re ready for a more modestly sized home that requires less maintenance, or perhaps you just like the idea of a cosier space to live in. Whatever the reason, making the […]

    Saving

    One of the biggest road blocks to becoming a home owner is saving a deposit to put towards your first home. Being able to put aside funds each week or month in a savings account to go towards the purchase of a new home is great, but these savings take time to build up – […]

    Investment property

    Investing in real estate can be a daunting thought, particularly when you’re looking at purchasing an existing home. You may end up with an older home that needs a lot of renovating, meaning you won’t be able to rent it out and see a return on your investment for a number of months, or you […]

    2018 is already off to a flying start for Hotondo Homes with the release of our exciting new Virtual Retreat experience! The mobile app, which can also be viewed on users’ desktops, is designed with first home buyers in mind. With so many beautiful display homes showcasing high-end designs and clever features, first home buyers […]

    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 […]