How do I renegotiate my mortgage?

Women with CentsBlog, MortgageLeave a Comment

Today’s question comes straight from our community and I’ll be discussing what to expect when calling the bank to ask for a better rate on your home loan! “Hi Tash, I have a question about how best to negotiate your mortgage. I am also pregnant so refinancing isn’t possible, but negotiating sounds hard and I don’t know what they’ll ask … Read More

5 things to look for in a home loan

Women with CentsBlog, Mortgage

The biggest question most people have when it comes to home loans is – What exactly is the best loan? While brokers specialise in helping you find the right loan, it has become difficult to know who to trust, with some groups recently accusing mortgage brokers of not delivering “the best loans” to their customers. So let’s take a look … Read More

Owning a home is about to get more expensive…unless we act.

Women with CentsBlog, Mortgage

The Final report of the Banking Royal Commission into the Misconduct in the Banking, Superannuation, and Financial Services Industry was released on the 4th February 2019. One of the recommendations in particular has been receiving a lot of media attention and has been the subject of some heated debates. This is because, if implemented, it has the potential to severely … Read More

Three ways to save on your home loan

Women with CentsBlog, Mortgage, Uncategorized

Don’t think you can afford to put more on your mortgage? Actually, you probably can! Lenders will generally calculate your ability to service your loan at a higher interest rate than what they actually offer you. Why? So that if interest rates go up they know that you can still afford your repayments.   So this means that you can actually … Read More

How the Royal Commission will impact home loans…

Women with CentsBlog, Mortgage

Amongst all the questions I’ve been asked about the Royal Commission, the most asked continues to be… “I have heard that as a result of the Royal Commission it will be harder to get a home loan. Is that true??” Well, the answer is yes. But don’t panic. The reality is that it has been getting harder and harder to … Read More

What you need to know about the Royal Commission

Women with CentsBlog, Mortgage

Over the last few months I’ve had lots of questions about the banking Royal Commission. What is it? Why is it happening? How does it work? And, what does it mean for me – will it be harder to get a home loan? So, here is a quick summary of what’s going on, and our next blog will cover the … Read More

Think it doesn’t matter when you pay your bills? Think again

Support @ Women with CentsBlog, Budgeting, Mortgage

No doubt, at some point in your life you would have heard the terms ‘credit score’ or ‘credit report’ – and unfortunately you most often hear about these things at the precise moment you find out your score or report is a “bad” one. Not helpful! Well, here’s a new reason you may hear those terms: the government is mandating … Read More

I’ve paid off my mortgage, should I get a bigger house?

Women with CentsBlog, Mortgage

“Hi Tash, I’m 10 years away from retirement and have almost paid off my primary residence, a townhouse. Should I be upgrading to a bigger house?” Congratulations on paying off your home! What a great feeling. Now the first question I would ask you is why you might want to upgrade to a bigger home? Given that you are approaching … Read More