Annette Tothill Finance

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Finance Myths

Finance Myths

Finance Myths When it comes to finance, there are many theories and myths floating around. Generally, these don't take into account your personal requirements, goals and circumstances. When it is time to get finance for your first home or if you are intending to...

Get ready for a change in climate

Get ready for a change in climate

Get ready for a change in climate The current climate shows that Adelaide is in a housing boom. Homes in Adelaide are selling in just 32 days on average, which is pushing house prices higher. House values are up 6.1% over the past three months. Although sales and...

Costs of purchasing a Property

Costs of purchasing a Property

Costs of purchasing a Property You've decided it's time to buy or build a new home and you will need to obtain finance. When thinking about taking out a mortgage or home loan, you will need to take into consideration other fees and extra costs. Some of those extra...

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...