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AAA Mortgage Solutions Blog

18/10/2018

Keen for a sea change? Beat the Millennial rush.

First home buyers Investors Mums and dads News Online Marketing

Buying a house by the sea in a little known coastal town is no longer reserved for retirees. New research shows that those flocking to coastal towns are now predominately young families. Most of us have dreamt of the days when we’ll one day be able to afford a house nestled down by the sea Read More

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11/10/2018

Farewell negative gearing and CGT discount?

First home buyers Investors News Online Marketing

You’ve probably seen ‘negative gearing’ and ‘capital gains tax’ in the news recently. That’s because they’re set to become hot topics ahead of the next federal election. Today we’ll take a look at both. If you’re an aspiring first home buyer, negative gearing and capital gains tax (CGT) are things that you may have heard Read More

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04/10/2018

Why is the bank saying I can’t service a loan?

First home buyers Investors Mums and dads News Online Marketing

A question we often get goes something along the lines of: ‘I make my repayments on time, and I save $1,000 per month, why is the bank saying I can’t service a loan?’ Here’s how banks conduct loan serviceability. When a bank calculates loan serviceability, they are essentially evaluating your ability to pay back a Read More

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27/09/2018

More carrot, less stick: Comprehensive Credit Reporting

First home buyers Investors Mums and dads News Online Marketing

Many people only pay their bills on time to avoid being slugged with late fees and a bad credit rating. But a big change this month means that you can now be rewarded for timely repayments. From mid-September, ANZ, NAB, Westpac and CBA all agreed to commence Comprehensive Credit Reporting (CCR). It’s seen as a Read More

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20/09/2018

Five common reasons home loan applications are rejected.

First home buyers Investors Mums and dads News Online Marketing

Whether it’s unrequited love, or an unsuccessful home loan application, getting your heart broken is never easy. Here are five common reasons home loan applications are rejected. Due to the banking royal commission, lenders are cracking down on home loan applications. Applications that would have been approved in a just few days last year are Read More

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13/09/2018

Home loans: to lock in the rate or not?

First home buyers Investors Mums and dads News Online Marketing

With some of the major lenders recently lifting interest rates on variable home loans, we’ve had a number of enquiries this week as to whether now is a good time to lock in an interest rate. As predicted, Westpac’s recent decision to increase variable home loan rates was soon followed by Commbank and ANZ. NAB was the Read More

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10/09/2018

Avoiding the interest rate hike domino effect

First home buyers Investors Mums and dads News Online Marketing

When one bank hikes its interest rates, the rest usually follow one after the other like dominos. Here’s how to avoid getting caught up in the chain reaction. You may have seen the news last week that Westpac has raised variable home loan rates. But if you missed it, well, no one can blame you. Read More

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06/09/2018

Would your accounts squeeze through the tighter lending test?

First home buyers Investors Mums and dads News Online Marketing

It’s one thing to be ready to pay off a mortgage. It’s entirely another to convince lenders that you’re ready to do so, especially in the current environment of tighter lending standards. Here’s how to climb your way through the process. You may have seen in the news recently that the prudential regulator has been Read More

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05/09/2018

How to speed up your Home Loan approval.

First home buyers Investors Mums and dads News Online Marketing

Asking how long it takes to get a loan approved is like asking how long a piece of string is. Every application is unique, so the time between your first contact with your broker and approval can never be predetermined. There are, however, some things you can do to help hurry your application along. If Read More

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30/07/2018

Traps to Avoid When Refinancing

First home buyers Investors Mums and dads News Online Marketing

Whether you want to tap into the equity sitting in your home or you’re after lower repayments, refinancing can offer a world of benefits. Here are a few things to be aware of so that you don’t find yourself locked into a bad deal. Don’t be fooled by the interest rate Finding a lower interest Read More

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