Annette Tothill Finance

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Inflation and Your Interest Rates

Inflation and Your Interest Rates

Inflation and Your Interest Rates If you saw our previous article about common finance terms and have been watching the news, you may have a few questions, like how exactly do we work out inflation? What does all of this mean for my interest rates? What can I do about...

Commonly Used Finance Terms

Commonly Used Finance Terms

Commonly Used Finance Terms Because financial terms can be unclear, and sometimes misleading, it’s hard to know what will and won’t affect your own situation. When you’re reading news articles about Australia’s changing interest rates or what the banks are doing, a...

What is a Hike?

What is a Hike?

What is a Hike? You’ve more than likely heard the word “hike” used often; a hike in interest rates, wages, or a hike in inflation. The word “hike” spikes anxiety, concern, or fear for the future. It can give us a strong, negative reaction to a subject we previously...

How Will the Rising Cash Rate Impact Your Mortgage?

How Will the Rising Cash Rate Impact Your Mortgage?

How Will the Rising Cash Rate Impact Your Mortgage? With the Reserve Bank of Australia increasing the cash rate by 25 basis points, the first increase in over 11 years, banks will likely increase variable home loan interest rates to match. Many Australians will find...

How do lenders assess applications?

How do lenders assess applications?

How do lenders assess applications? Brokers can help connect you to the lender best fit to serve your mortgage needs by shopping around on your behalf.   Five qualities In order to decide whether or not to provide you with a loan, lenders will generally assess...

What Comes First – the Property or the Loan?

What Comes First – the Property or the Loan?

What Comes First - the Property or the Loan? Looking for your first or new home is an exciting though sometimes daunting prospect. The deciding of what kind of property you want and what you don't, where you'd like to buy, how big the yard needs to be, it can be very...

Loan Applications – Living Expenses

Loan Applications – Living Expenses

Loan Applications - Living Expenses Yes, we all expect lots of questions and paperwork when getting ready to submit a loan application. Sometimes though, the questions that need answering can feel pretty personal, especially those regarding your living expenses. After...

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...