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THE ONLY 2 RULES OF LENDING THOU NEEDST KNOW

The 2 rules of lending

An essay whereupon the author expands on a short and merrie historie of banks. By Master Gordon Kelly, recently of this parish. Have you ever worked in a bank and suffered through their induction program? Or perhaps you studied business studies in school, economics, or a similar subject. If so, you will have come across […]

I have a small business but I can’t get a home loan.

Small Business Finance

Does this sound like you? Well it sure was our family about 12 months ago. My beautiful wife works for another company and draws a wage every 2 weeks. In bank lending terms, that’s standard. But what about me and income from my small business? For many banks, they just can’t get their head around […]

A Pre-Purchase Property Inspection is a must!

The importance of a pre purchase inspection - termites

Pre-Purchase Property Inspection Our good friends at Resicert show you how to ensure peace of mind and avoid any post-purchase surprises. It’s taken a while, but you’ve found your dream doer-upper. It’s a little out of your pricerange, but you know with the refurbishments you plan to carry out that you’ll make akilling when you […]

Thinking of fixing your home loan rate? Look before you leap.

fixed rate mortgage

Thinking of fixing your home loan rate – beware – look before you leap. Anyone with a memory longer than 4 years will recall that home loan interest rates during Covid were ridiculously low. It also showed how little predictive power people who set these rates actually have. The common thinking in 2021 and into […]

EXPLAINER: FIXED-RATE LOANS

With interest rates at an all-time low, and many lender’s fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. When purchasing a property, […]

SELLING YOUR HOME? HERE ARE THE FIRST STEPS TO TAKE

There is more to selling your home than putting up a ‘For Sale’ sign on your front lawn. Here are the first things you should check off your list to help you get a favourable result from your investment and to ensure the process runs as smoothly as possible. Choose a quality agent Asking family […]

RISING INTEREST RATES: THE FAT MAN’S DIET

There are two things you rarely see together – diets and economics. Diets are needed but rarely work long term by themselves. Economics always seems to have the answers works, but never before the fact. Economics is that most wondrous of lifetime pursuits that lends itself to an unending search for rational explanations of social phenomena. […]

CBA WOES: DON’T BLAME THE PLAYER, BLAME THE GAME!

We have to be concerned about the apparent lack of competition in the Australian Financial Services industry. The latest scandal to emerge from the industry – the allegations against Comminsure on the ABC’s Four Corners program – was instructive, not so much for any alleged wrongdoings by CBA, but more so the deafening silence from […]