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Paying Off Your Mortgage Sooner: Have a Vision

Some of us are better at discipline than others, just as some of us are more prudent consumers than others and are more aware of how we can be swayed by external factors. There's no doubt though that it's not easy to be disciplined with the amount of advertising we are exposed to, and it would be naive to assume that advertising has no effect. Today's marketers are doing their job well. They've had decades of practice and it is effective. This means your vision needs to be strong and clear, because if you don't have a clear vision, and the resolve which stems from it, you are at the mercy of the barrage of products ...

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Mortgage Reduction: The power of one dollar

?I can resist everything but temptation.?Oscar WildeLet's say you earn $5,000 a month, and each month you spend $4,999, so the crumb that's left behind is one dollar. What happens with...

Buying a property, which loan type?

Most loans require regular periodic payments of principal and interest over a fixed term, although you can choose an ?interest only? loan, and pay the principal in a lump sum at the end of the loan...

The process of exchanging contracts on a new property

The Contract of Sale is produced in duplicate, one copy each for you and the seller. It details the terms and conditions of the sale and any special conditions making the sale subject to finance, p...

The Long Term Growth Prospects of Units

The Investment Outlook for Residential UnitsIt is always risky to predict possible investment returns. There are, however, several reasons to be generally upbeat about the long-term growth p...

Buying a property, Your deposit

The larger the deposit you save for your property, the more choices you enjoy to buy the property you want; the greater your power to negotiate with lenders; and the more likely you are to be able ...

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Where will I get the best capital growth on my property investment?

Capital growth refers to the increase in the value of your property over time,  you buy something for half a million dollars and then 10 years later, it's worth a million dollars. In residenti...

Should I buy an Old Property or a New (off the plan) Property?

You and I buy a renovator's delight, pay for land value, demolish, build a brand new house on it, and make lots of money. That's being entrepreneurial, and it makes for great dinner party conversat...

Financing a New Home Purchase: An Introduction

You will likely need to borrow a large amount of money over a long period of time to fund the purchase of your home, so it is important to take great care to choose the right lender, and negotiate ...

A Word of Caution Regarding Negative Gearing

In Australia, there is much hype around negative gearing. Property marketers, investment scheme promoters , and ?entrepreneurs-turned-authors? often quote historical examples of people building a p...

Before buying a Unit

Before Making an Offer: Due Diligence Basics It is amazing how laissez-faire some people are about property purchases, even though it is likely to be the most significant transactions they...

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