Rent-vesting: To purchase or to rent.. that is the question?

“Renting where you want to live.. Investing where it’s best” “Rent-vesting” or Rent-Investing has been a hot topic across the home loan world for the last few years as it has become harder for people to maintain a steady job close to home. With transfers, posting of positions and just general career moves, staying in […]

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Interest Only Loans – Investigated and Identified

In recent weeks, it seems you can’t open the paper, turn on the news or get online without seeing or hearing something about the state of the property market and the changes to interest only loans. So, what’s been happening and what do all the changes mean for you, your mortgage and, most importantly, your […]

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LOVE WINS! – Marriage Equality Becomes A Reality

“What have you done today to make you feel proud?” – Heather Small Today we have witnessed a monumental moment that will mark another proud moment for the history of Australia. Red Tick Home Loans is a proud supporter of the Marriage Equality vote which has been a hot topic for the past few months. […]

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Seven Factors that affect your Borrowing Capacity

If you are looking to buy a home in the near future, one of the first things you may like to work out is how much you can borrow. By having an idea of what you can borrow, you can adjust your property search so that you only look at homes that are in your […]

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Securing a mortgage with bad credit

Securing a mortgage has always been difficult for people with bad credit. However, having bad credit doesn’t necessarily mean the end of the road when it comes to buying property. By working with a mortgage broker, like Red Tick Home Loans, we’ll analyse your credit situation against the various lending policies, and find the best […]

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Assessing Home Loan Applications – What is the lenders process?

When applying for a home loan, it helps to understand how lenders assess you and your scenario. Whether it’s a bank, an independent lender or a financial firm, applications are carefully assessed before they are either approved or declined. While credit policy may differ amongst lenders, all lenders follow similar guidelines when assessing loan applications. […]

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4 Reasons NOT to Refinance

Considering refinancing should be a part of your healthy mortgage diet. But, like good food, too much too often, or at the wrong times, can hurt you more than it helps. Here are four cases where you might find it better if you DON’T refinance. Interest-Rate Chasing OR Too many, too often There are costs […]

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