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One Cent At A Time

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Refinancing Your Property: A Brief Guide

October 8, 2021 Leave a Comment

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Refinancing makes sound financial sense for a lot of people, and there are a lot of benefits to it; from a lower interest rate to a rate change in a shorter term. Refinancing involves replacing an existing loan with a new loan, in effect replacing the debt with a new one.

Refinancing Your Property: A Brief Guide

The new loan usually has better terms which makes the process worthwhile. In the sense, based on your need you can either increase the payoff duration to pay smaller every month or you can just negotiate for the lower interest rate on the existing loan amount.

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5 Ways to Save Money With a Mortgage Broker

May 17, 2021 Leave a Comment

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The home-buying process can be stressful, particularly if you’re navigating it on your own. You’ve got to hunt out the best banks, try and communicate with several at once, and fight for the best deal to save money.

mortgage Tips

This happens in between house hunting, talking with real estate agents, and managing your everyday life. If you want to save time and money, contacting a mortgage broker may be how you do it. In fact, they can assist with these five things below.

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How Mortgage Rates are Set and Its Impact on Your Finances

May 11, 2021 Leave a Comment

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Many different things affect mortgage rates. Some have to do with external factors and the economy at large while others are based on your personal circumstances. Mortgage rates can impact your finances. So, before you obtain a mortgage, ensure you understand how rates are set and how you will be affected on a personal level.

How the Economy Affects Mortgage Rates

The overall level of mortgage rates is set by market forces, such as inflation, unemployment, and other economic indicators.

How Mortgage Rates are Set and Its Impact on Your Finances

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5 Surefire Strategies to Saving Money on Your Mortgage

January 22, 2021 1 Comment

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The most expensive investment you make in your life is purchasing a home. Though buying a new home is a symbol of long-awaited financial security and professional triumph, getting caught up in the excitement of signed mortgage loan documents and “sold” stickers slapped on for-sale signs can work to the detriment of first-time homebuyers.

5 Surefire Strategies to Saving Money on Your Mortgage

That said, you’ll need to verify that you can afford the mortgage, fees, and utility expenses that accompany homeownership. 

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Stress-Busting Tips for Buying a New Home

October 23, 2020 Leave a Comment

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There’s no doubt that buying a new home can be stressful. With so many variables to consider, it can leave you feeling overwhelmed. When it comes to the big move, many first-time buyers make all sorts of mistakes.

Stress-Busting Tips for Buying a New Home

It’s a complicated process that should be handled with care. After all, you are making a huge investment that could impact your future.

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Applying for Your First Mortgage?

April 14, 2020 Leave a Comment

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At the beginning of 2020, the average price of a property in Australia is over $250,000, significantly more if you’re hoping to purchase in Sydney.

This can make it seem like getting on the property ladder is an impossible dream. The good news is that it’s not, the bad news is that the average age of a first-time buyer is 31-33.

Most first time buyers are couples that have the added advantage of two incomes.

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Home Ownership, Should I Buy Or Should I Rent, A Calculation

September 1, 2019 52 Comments

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A few days back I was invited to a colleague’s housewarming party. My head has been spinning ever since I visited his house. The guy started his career around the same time I did. He bought a 4-bedroom house in an expensive south Florida market, with a yard large enough for a mini soccer match, as well as space for a butterfly area (I saw a few butterflies, too). Should I buy or should I rent?

Buy Or Rent - What should you do

I am living in a rental condo apartment. I do have enough savings for the down payment required for a similar home, so I started thinking about buying one. I spoke to my wife in the evening about it, and she agreed that this is a good time to buy a home.

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Tips to Save money for Mortgage Down Payment

June 25, 2019 1 Comment

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If you are looking to buy a house of your own, then you will need to save up the money for a mortgage down payment. This is the cash that you bring to the closing table when purchasing a home. Although you may borrow money from the bank in the form of a mortgage or home loan, in most cases a portion of the money will need to come from you.

The higher your down payment, the less you will need to borrow to purchase your home and you will have smaller monthly repayments to make.

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Shopping for a Mortgage? 7 Things to Watch Out for When Getting a Mortgage

April 28, 2019 Leave a Comment

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For many, the dream of being a homeowner is fulfilled with the help of a mortgage loan. The mortgage application process can, however, be a bit hectic with so many requirements. But with a little planning and taking the necessary precautions, you should be able to get your mortgage approved with minimal hassles.

7 Things to Watch Out for When Getting a Mortgage

A mortgage is one of the biggest debts anyone can have. That’s why it’s important to avoid some common mistakes that could turn costly. Here are a few that you need to watch out for:

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10 points to remember while shopping for a mortgage

April 17, 2017 1 Comment

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Purchasing home for an individual is one of the most humongous decisions that you need to make. More importantly, it is likely one of the largest purchase that you need to ever make. Thereby it is no such surprise that there are a plethora of ways you can trip up. It is being advised that before you get out for the purchase you need to finance the deal.

mortgage Tips

Shopping around for a mortgage is a must for homeowners, yet there are numerous individuals who are prone towards making mistakes and finally end up in getting the wrongful deals.

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