Category: Loans and Finance

Loans and Finance

Will personal loans affect my mortgage application?

A personal loan isn’t completely bad news in the eyes of mortgage lenders. Read on to see how your personal loans can affect your mortgage application.  Any debts you have can have…

Loans and Finance

Why it pays to have a principal and interest loan

Owner-occupiers who are paying principal and interest on their mortgage are being rewarded by financial institutions with a lower interest rate. The latest analysis by comparison site Mozo found that…

Loans and Finance

Why mortgage-holders ‘are their own worst enemy’

Australians are paying more for their home loan due to complacency, at a time when mortgage-holders need the savings the most, new research has shown. Survey data released by Canstar…

Loans and Finance

How will lenders raising rates affect you?

A lender has lifted its rates by up to 40 basis points across both its owner-occupied and investment home loans, despite record-low rates from the RBA and cuts from its…

Loans and Finance

Take advantage of record-low interest rate, brokers advise

A mortgage is a household’s biggest expense, yet many households simply set and forget their interest rate, which is costing them thousands, two advisers have explained. In conversation with nestegg,…

Loans and Finance

Where can you get a mortgage rate under 2 per cent?

New mortgage-holders can now get rates for below 2 per cent, as authorised deposit-taking institutions fight for new business. According to comparison site Canstar, the official home loan rate offered…

Loans and Finance

Should you freeze your mortgage?

While pausing mortgage repayments may be tempting for those struggling with payments, it may be best to explore other options first to avoid some negative long-term effects. Since March, Pink…

Loans and Finance

Understanding loans

Choosing the right loan has the potential to save you thousands of dollars in repayments, fees and interest over the life of your loan. To make an informed choice you…

Loans and Finance

Be smart with your mortgage – use an offset account and a redraw facility

Around 69% of all home loans in Australia have a redraw facility, while 40% have an offset account. Some have both. So who’s acting in their own best interests? Before…

Loans and Finance Property

Understanding the First Home Owner Grant

Let’s face it, the current property market is not making it any easier for first home buyers – and any help is most welcome. So if you’re currently thinking about…

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Zac Zacharia (Managing Director) has been assisting clients to create wealth and secure their futures for over 14 years.

He is also an accomplished presenter and educator

Co-authoring the popular investment book, Property vs Shares.