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    Split Loans
    Teah Hammet
    • Jul 30, 2021
    • 2 min

    Split Loans

    Depending on your circumstances, splitting your home loan between fixed and variable interest rates can enable you to get the best of...
    25 views0 comments
    Self-Managed Super Funds ('SMSF')
    Teah Hammet
    • Jul 30, 2021
    • 3 min

    Self-Managed Super Funds ('SMSF')

    What is an SMSF? An SMSF is a private superannuation fund you manage yourself, regulated by the Australian Taxation Office. SMSFs are...
    6 views0 comments
    Packaged Home Loan Products
    Teah Hammet
    • Jul 30, 2021
    • 1 min

    Packaged Home Loan Products

    Many lenders offer packaged home loans which allow you to sign up to a home loan as well as other financial products such as a credit...
    3 views0 comments
    Mortgage Offset Account
    Teah Hammet
    • Jul 30, 2021
    • 5 min

    Mortgage Offset Account

    What is an offset account? An offset account is a savings account or transaction account linked to your home loan account. The account’s...
    28 views0 comments
    Negative Gearing
    Teah Hammet
    • Jul 30, 2021
    • 1 min

    Negative Gearing

    'Negative gearing' happens when the costs of owning a rental property exceed the rent returns you earn. When you take an investment loan,...
    4 views0 comments
    Line of Credit
    Teah Hammet
    • Jul 30, 2021
    • 2 min

    Line of Credit

    With a line of credit loan, you use a single account for your home loan and your everyday spending. The limit on the line of credit loan...
    5 views0 comments
    Interest Only
    Teah Hammet
    • Jul 30, 2021
    • 1 min

    Interest Only

    With an interest-only loan, you only pay off the interest on the loan for a fixed period, rather than paying off the interest and...
    3 views0 comments
    Extending the Term of Your Loan
    Teah Hammet
    • Jul 29, 2021
    • 1 min

    Extending the Term of Your Loan

    Extending your loan term when you refinance introduces additional interest costs that may outweigh the savings you can benefit from in...
    4 views0 comments
    Capitalisation of Lenders Mortgage Insurance Premiums
    Teah Hammet
    • Jul 29, 2021
    • 2 min

    Capitalisation of Lenders Mortgage Insurance Premiums

    Lenders mortgage insurance (LMI) premiums are payable in two ways: as an up-front fee or by capitalisation. Capitalising your LMI premium...
    7 views0 comments
    Construction Loans
    Teah Hammet
    • Jul 29, 2021
    • 3 min

    Construction Loans

    A construction loan is a type of home loan designed for people who are building a home or doing major renovations, as opposed to buying...
    12 views0 comments

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