Annette Tothill Finance

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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...

First Home Loan Deposit Scheme

First Home Loan Deposit Scheme

On 1 February 25 smaller lenders around the country started offering the Australian Government’s new First Home Loan Deposit Scheme – offering guaranteed loans, giving eligible first home buyers wider consumer choice. The Scheme allows eligible first home buyers on...

2020 could be your year to buy Property

2020 could be your year to buy Property

If you’ve been thinking about purchasing your first property, 2020 might be the time to pounce. Following a correction, many of the property markets across Australia have plateaued and are once again increasing in value. Corelogic statistics show, in January house...

Home Loans for Self-employed

Home Loans for Self-employed

Finding a home loan when you’re self-employed There are many perks to working for yourself, but when it comes to applying for a home loan, it seems being your own boss can make the process of applying for a home loan more complex with banks and other lenders. Why? A...

Say goodbye debt

Say goodbye debt

Say Goodbye Debt It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is essential when you set out to buy...

6 Strategies for Auctions

6 Strategies for Auctions

6 strategies for auctions Auctions are competitive and stressful for most bidders. Here are six smart strategies that could improve your chances of winning. 1.Don’t show your hand Revealing your maximum bid limit to the agent before the auction could encourage them to...

Credit Reporting

Credit Reporting

Budgeting The best way to take control of your finances is to do a budget. This is a simple tool that helps you understand the money going in and out of your household. Doing a budget helps you get off the treadmill of living from one pay packet or payment to the...

Home Loans – Things you should know

Home Loans – Things you should know

Home Loans – Things you should know Deciding to apply for a home loan can be a daunting task and it may be the biggest financial decision you’ll make. With the right preparation, a realistic understanding of your financial position and some professional guidance from...

Tips for paying off your home loan sooner

Tips for paying off your home loan sooner

Wanting to pay off your home loan sooner? Here are some tips you could do. Australian home loan interest rates remain at historic lows, and the opportunities for paying off your home loan early are better than ever. Used in conjunction with low rates, here are some...

Guide to Investment Loans for property

Guide to Investment Loans for property

Your guide to Investment Loans for property There are certain things to look out for when selecting and applying for an investment loan for your property. Here we look at the main differences, the most popular investment loan types, and how to get the best mortgage...

Mortgage Brokers – What they do

Mortgage Brokers – What they do

Mortgage Brokers - What they do Research has shown that mortgage brokers are helping buyers with over 50 per cent of all new housing loans in Australia, and for good reason – buyers know that mortgage brokers can provide a level of advice that banks simply can’t. Many...

Business Loans – What you need to know

Business Loans – What you need to know

Business Loans - What you need to know Business loans can be great when you need to get your brand up and running or cover unexpected expenses. However, it’s useful to understand the difference between the available options before committing to one. They’re designed...