What is SMSF (Self-Managed Superannuation Fund)?
If you want to have more control over your investments, an SMSF loan could be the best finance project for you. With SMSF, you can select where your retirement savings…
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Owner Builder Loans Australia
Choosing the home you want is a very important decision. It is a dream we all have and having the best quality must be our priority. But if you are…
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Insurance
It’s more common to consult a broker service when seeking home loans or business loans. However, insurance is also crucial in one’s financial health because it protects assets and manages…
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First Home Super Saver Scheme
Australian home buyers who may need a leg up when purchasing their first home could maximise specific government schemes. One of these is the First Home Super Saver Scheme (FHSSS)….
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Savings Account or Term Deposit?
Australians with a good chunk of cash have several avenues of earning a return on their money. However, only some people are comfortable investing in stocks or bonds. For individuals…
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Interest-Only Loan
When it comes to home loans, borrowers have various options to choose from based on their financial goals and circumstances. One such option is an interest-only home loan. In this…
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Claiming Investment Property Depreciation
Every investment property will experience wear and tear through the years – and it comes at a significant cost for the owner. Fortunately, claiming investment property depreciation as a legal…
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Green Home Loans
Australia is geared towards a greener, more sustainable path. And this is evident in mortgage products as well. Green home loans reward homeowners who focus on incorporating green features in…
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Flipper Renovation: Best Home Upgrades
Choosing the right upgrades to renovate your home can significantly enhance its functionality, aesthetics, and value. Renovation activities by Australian homeowners are at a three-year high during 2019 to 2021….
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Choosing the Best Investment Property
Investing in property can be an excellent strategy to build wealth. And in Australia, it’s such a major market. Right now there are over 2.2 million property investors in the…
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Rent-to-Buy: Worth It?
Homeownership is a life goal of many Australians. However, traditional pathways to achieve that target could prove too costly. Having the right income and assets to put up a 20%…
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Buying Off the Plan
Some home buyers are considering buying a brand-new property even when there’s nothing concretely built yet. This is called buying off the plan, and it’s become a popular choice because…
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Home Loan Cashback Offers
Home loan cashback offers are incredibly tempting, especially now that interest rates are high. Cashback is usually part of mortgage refinancing. Unfortunately, two of the largest banks in Australia will…
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Low Doc & Lite Doc Loans
Not every Australian can be approved for a standard home loan. Some clients only have Low-doc and Lite Doc home loans as their best alternative – primarily self-employed individuals, small…
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Understanding Negative Gearing
In Australia, investment properties are allowed tax deductions from losses – called negative gearing. Negative gearing is a financial strategy that involves borrowing money to invest, typically in real estate…
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Home Equity 101
Want to maximize your existing property? Australians have the option to use home equity to purchase an investment property and to fund small businesses. Stats note that home equity withdrawals…
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Bridging Loan: What You Need to Know
Owning a home may be straightforward for most Australians, but for some, moving into a new home could coincide with still paying off the loan in the old home. This…
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How Much Can I Borrow for a Home Loan?
Eager to know about your current home loan borrowing power? Find out the latest here. Applying for a mortgage is mostly necessary for Australians who plan to own a home….
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Bad Credit Home Loans
For prospective home buyers, securing a home loan right away usually means that you check all the boxes from the lender’s perspective. However, not all have the privilege of having…
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First Home Guarantee Scheme
Families and individuals working towards saving up for a deposit need all the help they can get, as costs in homeownership continue to rise. One of several government initiatives is…
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First Home Owner Grant State-by-State Guide
Buying your first home is an exciting milestone, and in Australia, you have an array of loan options designed to assist first-time buyers in their journey to homeownership. Banks offer…
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Owner Occupier Loan
If you’re a home buyer, taking stock of your property goals enables you to choose the suitable home loan that benefits your lifestyle. And first time home buyers may want…
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Home Loan for Owner Builders
Some homebuyers are set to construct their own homes. It’s a better sense of accomplishment for some to take control of the entire building process and see the property come…
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No Deposit Home Loan
Planning to buy a home usually means coming up with the recommended 20% of the total value of your chosen property as the bank deposit. But what about those who…
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Guarantor Home Loan
When it comes to home loans, some borrowers may struggle to secure one for their chosen property due to limited savings or insufficient deposit. This is where a home loan…
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Build to Rent Tax Incentives
Today, almost every Australian is feeling the pinch when it comes to housing affordability. Higher interest rates and general inflation felt across the country means that those wanting to live…
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Home Loan Repayment Strategies
Acquiring a home is a significant milestone and for most Australians, the best way to finance this purchase is through a home loan. Once you’ve secured a home loan, the…
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Home Loans for Doctors, Medicos and Other Health Professionals
Home loans for doctors, medicos, specialists, and other health professionals do not vary greatly from what’s available for other professions. However, health care specialists have the edge due to the…
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Lenders Mortgage Insurance
Buying a property in Australia can sometimes involve significant costs. One of the larger costs is the initial deposit required by many lenders. Traditionally the deposit is 20% of the…
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How Long to Repay Home Loan
Buying a home is no small undertaking. You will have to commit years and even decades to pay off the mortgage, and along the way there will be considerations for…
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Home Buyer’s Guide
Ready to be a homeowner? Intellichoice works with you from start to finish Buying a home is one of life’s biggest milestones, and in Australia, it’s something that many of…
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Credit Score 101
What credit score do I need for a home loan? Whatever your financial position, home loan Australia requires several quotas for you to be eligible for a mortgage. And one…
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Home Loan Interest Rate Rise
Aussies interested in buying a home are gearing up for higher interest rates. Indeed, interest rates have dominated the conversation about home loans, with issues like immediate refinancing to avoid…
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Refinance Guide
Changing your mortgage? Intellichoice assists in reviewing your loan and finding more competitive options Am I eligible? (button) I want to speak to a broker (button) If you’re a homeowner,…
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Rentvesting to Own a Home
For the younger generation who dreams of owning a home, the Australian property market presents significant challenges – rising house prices, mortgage interest rates, and limited supply in major cities….
