The Credit Score Blog
A blog about mortgages, loans, interest rates, tips and tricks.
Is it cheaper to buy or rent your next home? You might be surprised
While it might feel like property prices are skyrocketing out of reach, the majority of Australian homes are actually cheaper to buy than rent over the next decade, according to a new report.
How so? Let’s take a look.
It’s all about balance: Using an offset account to your advantage
Want to avoid sinking your entire savings balance into your mortgage? An offset account could be the solution you’ve been looking for. An offset account is straightforward to set up and easy to understand. It also has the potential to save you thousands of dollars and...
Rentvesting: have your cake and eat it too
Most Australians grow up with the dream of buying and living in their own home. But, given the difficulty of cracking into the market in trendy locations, another option has emerged. So what is rentvesting? Put simply, rentvesting is the increasingly popular practice...
How we contribute to the Great Australian Dream
We’re pretty proud of the work we do. Every day we get to help Aussie families secure finance for the home of their dreams and set up their financial future. Here’s why we’ll always put you first. You may have seen news reports in recent times regarding the lending...
How to move house like a boss
Back-breaking furniture, perilously narrow staircases and chipped crockery – the idea of moving house strikes fear into the hearts of most. But with careful planning it doesn’t have to be a nightmare. So you’ve just secured the home of your dreams? Congratulations....
The top five advantages of using a mortgage broker
Shopping, watching a movie, catching up on the news – there are many things that are cheaper and easier to do online these days. But obtaining a quality home loan? Well, the only time you’ll want to use the internet for that is connecting with an expert. When it comes...
Home loans: to lock in the rate or not?
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...
Avoid underinsurance in your home
Four out of five Australian homeowners are underinsured, but most don’t realise it until they need to make a claim. We live in a country prone to disasters and risks. Have a house near a waterway? Floods can sweep it away. In the country? There is always the chance of...
The risks associated with payday loans
We’ve all seen the movies where the luckless protagonist borrows money from a remorseless loanshark and is warned that they’ll lose a finger for each day they’re overdue. Fortunately, us Australians have much more civilized short-notice borrowing options, but that’s...
Mortgage stress: What it is, and how to avoid it
You might be comfortable paying off your mortgage now, but what if things change? Here are some tips on how to avoid a mortgage stress fracture. Paying off a mortgage is one of the biggest financial challenges you and your family will ever tackle. And it isn’t easy –...
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