Monthly Archives: February 2017

The First Home Owner’s Grant Guide: South Australia

By Shane | Uncategorized

Are you eligible for the First Home Owner Grant in South Australia? A once-off First Home Owner Grant of up to $15,000 is available to eligible first home buyers purchasing or building a brand new home. The grant is not just restricted to houses. It is also applicable to a new unit, townhouse or apartment. You may be eligible for the First Home Owner Grant if you’re building a brand new home or purchasing a brand new home which has not been previously occupied or sold as a place of residence, including a substantially renovated home.Continue reading

The Pros & Cons Of Family Guarantee Loans

By Shane | Uncategorized

Home ownership may be more difficult to attain as compared to previous generations. Many Australians are putting off buying their first home until later in life. With the overall homeownership rates across the nation have been dropping since the mid 90’s, it seems like an uninviting scenario. But still, don’t get discouraged for there are still solutions available and it isn’t just a matter of saving more or for longer to have a larger home deposit.Continue reading

Home Loan Refinancing Mistakes You Should Avoid

By Shane | Uncategorized

Refinancing your mortgage is not as scary as you imagine. So, how do you get on board and save more on your home loan?  According to a new research, the number of mortgage holders considering refinancing continues to grow over the past year. The latest housing finance data from the Australian Bureau of Statistics (ABS) shows that the number of home loans being refinanced increased by 20% in the past twelve months.Continue reading

The First Home Owner’s Grant Guide 2017: Victoria

By Shane | Uncategorized

Searching for and buying your perfect first home is an exciting time. Congratulations for taking the first steps towards it! You may have heard about the First Home Owner Grant, especially now that you’re in the market for your first home. There are also duty concessions available from the Victorian Government to help you on your way with this important step in your life.Continue reading

Why You Should Always Use A Mortgage Broker When Buying A Property

By Shane | Uncategorized

You’ve just found your dream home. But since a home costs a lot of money, so you need to get a mortgage. You first go to your bank, but the bank only offers a limited range of products. So, is there something better?Continue reading

Should You Refinance Your Mortgage?

By Shane | Uncategorized

So you’re wondering if refinancing your home loan is right for you? Well, the principles behind refinancing are simple. The usual motivation is to get the best deal possible in terms of interest rate and fees. You’re probably looking for more affordable repayments or to pay your loan off sooner. But whatever the reason, if you’re considering moving your loan from one lender to another, you need to make sure that your next home loan ticks all of them.Continue reading

The First Home Owner’s Grant Guide 2017: Queensland

By Shane | Uncategorized

Are you looking to buy a new home, a townhouse or an apartment and live in Queensland? You can qualify for the First Home Owner Grant which is quite substantial. Introduced by the Australian government on July 1, 2000, the First Home Owner Grant scheme is a great opportunity for first time home ownership. It also makes it easier for young Australians to get into the property market sooner.Continue reading

How Kevin from Villawood, NSW saved $425 per month on his home loan

By Shane | Uncategorized

Finalising your home loan and buying your first property is a huge relief. It’s all over… no more providing documents to the bank, no more forms to sign, no more solicitors to deal with… the hard work is done. However, that doesn’t mean that you shouldn’t keep an eye on home loan. Kevin met with Pearl Financial for a routine ‘Home Loan Health Check’ and, to his surprise, discovered that he could save $425 on his monthly home loan repayments.

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What If Something Bad Happens? 5 Tips To Protecting Your Family

By Shane | Insure

Nobody wants to talk or think about anything bad happening. The reality is that you’ve got busy lives, focusing on the here and now. Have you ever thought about what would happen to your family if something happened to you? The fact is, by not thinking or talking about it should be the real worry for everyone. But concern for protecting your family doesn’t have to turn to worry if you follow these tips.Continue reading

New Year, New Home? What To Do In 2017 To Get Into Your First Property

By Shane | Uncategorized

A new year is a time when a lot of people choose to reflect on their previous year and think about what they want to accomplish in the coming year. It brings so much excitement and promise. For many younger generations, getting into their first property is the most common goal. Whether your goal is to learn about the property market, save your first deposit, or buy your first home, Pearl Financial aims to help 100 Australian first home buyers, like you, to step into the property market within the next two years.Continue reading