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Buying into that great Australian dream. Smart tips for buying a home.

From Darwin to Dubbo, Brisbane to Broome, variable and fixed rates. Compare what's
Australia has one of the highest levels on offer with different banks (not just
of home ownership in the world. In spite the big 4), mortgage brokers and boutique
of the recent surge in prices in every lenders. Some places may offer only one
capital city, that great Aussie dream of or two loan types, but lenders such as
owning your own patch of paradise is HSBC Australia have no less than 9
still what most of us aspire to. But if different loans to suit everyone's
you're smart and do some planning, there lifestyle. Well worth checking out.
are clever ways to make buying your own 5. Don't forget about fees - keep funds
home a little easier to do. aside
Here are seven good tips to help you get Okay. You've been saving hard for a
the front door key faster. deposit and your loan has been approved.
1. Don't be swayed by fabulous furniture When you take the plunge a sign a
and fresh flowers. contract of sale, there are all sorts of
Many home sellers now use professional little (and not-so-little extras) added
stylists to ensure their property looks on. These include stamp duty, legal
the best at open for inspections. But costs, disbursements, mortgage insurance,
look beyond the designer cushions and pest inspection report, survey report,
fresh flowers. Be practical. Do a pest builder's report, loan application fee,
and building inspection and check for valuation fee, registration fee and so
major structural damage or signs of rot. on.
And, don't forget to ask yourself all 6. Another secret. Ask about
those mundane questions - such as is "professional package" discounts
there enough cupboard space in the Banks are a lot more competitive nowadays
kitchen or will your sofa fit through the and actively reward customer loyalty. If
front door? you're earning a reasonably good salary,
2. Location first, property second. say more than $50,000 a year, or $80,000
Your first property may not be your dream or more with a partner, ask about the
home, but it can be a vital springboard "professional packages". The home loan
towards that long term goal. The trick is interest rate you are offered is usually
to buy in a location where property discounted by 0.5 per cent, which can
values are growing at the same rate as really help. If you have a strong
the location you ultimately want to live relationship with one lender and
in. consolidate all your business with them,
This means compromising on the size or you can qualify for more discounts,
style of property. Buying a town house or savings account fee waivers and credit
a unit instead of a house, or a one card annual fee waivers.
bedroom instead of a two bedroom 7. Forget that daily latte. Extra
place.The important thing is that you'll payments can reduce your interest faster
have a foothold in your dream location. If you gave up buying your morning latte
When you've accumulated more equity on the way to work, you can save over
through capital growth, you'll be able to $700 a year! Put it towards your loan.
trade up to your dream home, too. Making extra repayments is one of the
3. Small apartment blocks versus large. best ways to reduce the total interest
The glamour of a big modern apartment paid and term of your loan. Some people
block with outdoor pool, gym and on-site even try making payments every fortnight
caretaker can certainly win over buyers. - great if it works for you and your
But here comes the crunch. You pay budget.
expensive body corporate fees every As a rule of thumb, every $1 in extra
quarter and ongoing maintenance charges. repayments you make early in the life of
Smaller blocks are usually older with your loan saves around $2 in interest
fewer (if any) facilities, cost less to over the term of the loan, depending on
run and are often better maintained the level of interest rates.
because of a higher level of owners If you have spare cash from selling your
versus renters. If you're in the market car or a garage sale, think about making
for an apartment and see several places a one-off lump sum payment. Check first
for the sale in the same block, chances that your loan allows you to make
are the fees are the reason why. Beware. additional repayments without a penalty.
4. Save valuable time. Search online for Happy house hunting!
the best loan Cathy Howley is Creative Manager and
When it comes to finding a loan, it pays Copywriter at Options Strategy,
to do your homework. There's a minefield Melbourne. The digital agency with the
of possibilities, offers, types of loans, strategy edge.




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