Annette Tothill Finance

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Refinancing

Refinancing

When is the best time to refinance your home loan? As a home owner with a mortgage, chances are you’ve heard of the term 'refinancing'. Refinancing involves reviewing your current mortgage, and potentially swapping your loan to another lender who can better meet your...

Selling Your Home

Selling Your Home

Some first steps to take There is more to selling your home than putting up a ‘For Sale’ sign on your front lawn. Here are the first things you should check off your list to help you get a favourable result from your investment and to ensure the process runs as...

Why brokers hold the keys to getting your foot in the property door

Why brokers hold the keys to getting your foot in the property door

Why brokers hold the keys to getting your foot in the property door Achieving the dream of home ownership might seem to be getting harder currently, but talking to a mortgage broker could get you to your goals more quickly. Purchasing a property in today’s housing...

How an offset account could cut years off your home loan

How an offset account could cut years off your home loan

How an offset account could cut years off your home loan   Looking for ways to pay off your mortgage in record time? Whether you’re a seasoned investor or buying your first home, an offset loan can help you reduce interest payments, save on tax and pay your...

Increase in people using Mortgage Brokers

Increase in people using Mortgage Brokers

Increase in people using Mortgage Brokers Did you know that more than 60 per cent of residential mortgages were written by mortgage brokers between July and September 2020, the highest ever market share level in history?   Mortgage Broker or bank? When you’re...

HomeBuilder extension

HomeBuilder extension

HomeBuilder extension As recently announced, the HomeBuilder program will be extended to 31 March 2021. Some changes to the HomeBuilder program include: A $15,000 grant for building contracts (new builds and substantial renovations) signed between 1 January 2021 and...

Christmas Spending Ideas

Christmas Spending Ideas

Christmas Spending Ideas With Christmas just around the corner, here are a few ideas for you to consider that might help put less strain on your wallet and not have Christmas lose its sparkle! Have a pre-Christmas clean up A recent report released by Gumtree found the...

Is now the time to fix your mortgage rate?

Is now the time to fix your mortgage rate?

Is now the time to fix your mortgage rate? The cash rate in Australia is now the lowest it has been in 23 years, a reaction initially to stunted economic growth and now to the impact of COVID-19 on the economic landscape. Is it worth fixing your rate? Here’s some...

Consolidating Loans

Consolidating Loans

What you need to know before you consolidate your loans. Managing Several loans can be difficult and sometimes stressful. A way to simplify your financial situation and hopefully save money is to centralise your Loans. But here’s what to consider before you...

Apps and Tools to help with your Finances

Apps and Tools to help with your Finances

It’s a great idea to have a little help managing your money especially when you’ve got monthly mortgage repayments to make, balancing your books is extra important. There’s a great range of apps and tools designed to help you budget, save and track your finances. And...

First Home Owner Grant

First Home Owner Grant

The First Home Owner Grant is available to eligible first home owners. It is a great opportunity for those just getting started in the housing market. The First Home Owner Grant applies to the purchase or construction of a new residential property, including a house,...

Bridging loan or deposit bond?

Bridging loan or deposit bond?

When selling one property and purchasing another, the funds from the sale may not be available in time to use for the purchase deposit. There are typically two options in this scenario: a bridging loan and a deposit bond. Bridging loans A bridging loan is a short-term...