Annette Tothill Finance

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...

Buy Now Pay Later and what you need to know about updates to your credit rating Most of us are familiar with what a credit rating or a credit score is. It is a number used to represent your reputation as a borrower and it is calculated using many different factors but...

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 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 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 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 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...

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...

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 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   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 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...