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Category: Mortgage Broking

Is household debt consuming you?

By Katrina Beaumont, Accredited Mortgage Consultant By the end of 2018 Australia had, relative to the size of its overall economy, one of the highest levels of household debt in the world. At 127% of gross domestic product (GDP), our household debt, as a percentage of GDP, had nearly doubled over the last 20 years. […]

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Managing the transition of your interest-only loan

Dog lounging on bed in a brightly lit home.

By Katrina Beaumont, Accredited Mortgage Consultant Just over four years ago Sarah bought an investment property. To help pay for it she took out a $400,000, 25-year mortgage that offered interest-only (IO) repayments for the first five years. At an interest rate of 4% per annum those initial repayments amounted to $1,333 per month.[1] The […]

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Webinar: 10 Essential Tips for First Home-buyers

Blueprint Wealth hosted a free 30-minute webinar on 21 March 2019 where we shared tips, tools and insights to help you make the best choices on your home or property purchase. What was covered? Kate Beaumont covered the First Home Owner Grant (FHOG), ‘surprise’ expenses (and how to plan for that), home loan eligibility, savings […]

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Buying a House: Everything You Need To Know

Everything you wanted to know about buying a home

By Kate Beaumont, Accredited Mortgage Consultant and Authorised Representative Ready to make the leap from renting to buying a home? Well, before you begin the search for your perfect home there are lots of questions to find answers to. Here are some of the big ones. Do you need to own your home? For most […]

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First Home Buyers Super Scheme

Image of happy couple with keys in hand

By Katrina Beaumont, Accredited Mortgage Consultant and Authorised Representative You’re moving into your new home; corks are popping and there are smiles all around – classic advertising that for many seems unattainable. Although many Australians may want to bash the banks over tighter home lending criteria, it’s the bank regulator, the Australian Prudential Regulatory Authority […]

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Why do some people get better interest rates than others?

By Katrina (Kate) Beaumont, Accredited Mortgage Consultant and Authorised Representative Ever wondered why some people get better interest rate deals than others? Perhaps you’ve had a chat at a barbecue and discovered your host is paying a lesser rate than you? This could be the reason… Lenders reward borrowers who hold more equity in their […]

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Top Investment Property Tips

By Kate Beaumont, Accredited Mortgage Consultant Purchasing a property for investment purposes can involve a different set of considerations compared to purchasing a home to live in. Here are some tips to get you started. Which rental market? First, decide if your property will cater for the budget rental market, mid-level rentals or the executive […]

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Offset accounts explained – how to make clever use of them

By Kate Beaumont, Accredited Mortgage Consultant It’s a common misconception that mortgage offset accounts are loan products when in fact they are savings accounts sitting within a mortgage structure. If you’re not sure how mortgage offset accounts might benefit you – read on! What is an offset account? Greg and Louise are your typical thirty-somethings […]

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Fixed Home Loan Rates – What You Need to Know

By Kate Beaumont, Accredited Mortgage Consultant It is said that Aussies will bet on anything – even two flies crawling up a wall. Our bets have become a bit more sophisticated and now it seems the latest “bets” are taken between economic commentators on what the Reserve Bank of Australia (RBA) board will do to […]

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Managing Your Debt: What’s your debt age?

The types of debt we have largely depends on our age and stage in life. For most of us, having debt in some form or another is an inescapable fact of life. And despite its reputation, debt is not necessarily a dirty word. If managed well, it can be a powerful tool to build wealth, […]

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