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Diversifying Your Property Investment Portfolio

28 August 2024

Property investment in Australia has long been a favoured route for building wealth. However, as with any investment class, putting all one’s eggs in one basket can be a risky strategy. Diversification is the key to mitigating risk and potentially enhancing returns. Here’s how you can diversify your

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The Critical Role of a Good Credit Score in Securing a Home Loan

21 August 2024

In the journey towards homeownership, one of the most pivotal factors in Australia is an individual’s credit score. This numerical expression, derived from an analysis of a person’s credit files, signifies to lenders the potential risk posed by lending money to the individual. A good credit score is

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Pros and cons of investing in commercial property

14 August 2024

Investing in commercial property in Australia can be a lucrative venture for those looking to diversify their investment portfolio. With its robust economy, stable political environment, and growing population, Australia offers numerous opportunities for investors in the commercial real estate sector. However, like any investment, it comes with

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How to Improve Your Credit Score Before Applying for a Mortgage?

7 August 2024

When you’re contemplating the purchase of a home, your credit score becomes more than just a number—it’s a reflection of your financial reliability and can be the key to unlocking favourable mortgage terms. Obtain and Scrutinise Your Credit Report Before you can improve your credit

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Citi Bank Fixed Rates with Mortgage Plus 2-year Fixed rate has an interest rate of 2.19% p.a. (comparison rate 3.12% p.a.). Fixed Rate loans must be combined with Standard Variable/Standard Variable Offset (Owner Occupier and Investor) to be eligible for Mortgage Plus. Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply. Fixed rates revert to the Standard Variable rate at the end of the fixed term. Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Lenders Mortgage Insurance is applicable for loans with an LVR over 80%, unless the option LVR between 80.01%-85% (Without LMI) is selected. Loans with LVR between 80.01%-85% (Without LMI) are not available to non resident loans or loans where income is declared for loan assessment is in a foreign currency. For all loans over LVR 80% principal and interest repayment is required. IMPORTANT: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

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