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With interest rates at an all time low and lenders looking for new business, we start our latest newsletter with 2 articles on refinancing. If you have had the same loan with the same institiution for a few years, it might be worthwhile taking a review.

Looking to buy your first home? We provide some 'big picture' information for you to consider. For anyone who is self employed you will know that it can be more difficult to secure a loan. We provide some tips to help you with your application.

For property investors, our final article looks at depreciation, a key element in your investment strategy.

With any borrowing decision there are a lot of variables to consider. We can do the leg work to help you achieve the best outcome for you. Please contact us on 02 8969 6970 if you would like to discuss.

Regards

Gordon Hatch

Refinancing could save you thousands – and give you greater flexibility

Refinancing is the process of replacing an existing loan with a new one. When it comes to home loans, it means your existing home loan is paid off and replaced with a new one. This is different from a second mortgage, where you draw on the equity you have built up in your home.

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What Are Some Other Mortgage Refinancing Options?

Many people refinance their home loan because they’re looking for a lower interest rate, lower payments or more flexibility. If that is your goal in refinancing, then you have a wide range of products to choose from. However here we look at some specific mortgage refinancing options people use to deal with some common situations.

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Low rates, high risk? Is it time for first home buyers to enter the market?

With record low interest rates, a flattening housing market and repeated assertions from RBA governor Philip Lowe that a rates rise is not on the horizon, this may be the right time for first home buyers to strike. 

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How To Buy A Home When You’re Self-Employed

Self-employed borrowers come up against the challenge of not being able to simply present payslips and tax returns to back up their loan applications. But this need not stop you buying your dream home.

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How depreciation works for an older investment property

​How to claim property depreciation tax breaks as part of your investment strategy.

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