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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...

Reducing your mortgage: Fortnightly versus Monthly Repayments

It may seem like magic but this trick, made famous by 1980's Money Guru Noel Whittaker is simply a way of making an extra payment per year, without feeling the pain. By paying fortnightly or...

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...

Is Now a Good Time to Buy an Investment Property?

They say timing is everything, and in real estate this certainly can hold true, but it all depends on what your objective is. Timing is often the primary focus of real estate entrepreneurs, who mak...

Making an offer on a Property

Congratulations!You have found a property you like. You may, at this point, choose to take a copy of the contract to your solicitor. You can now make an offer on the property, either directly to th...

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