April 2010
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Know What You’re Getting into when You Buy Property - or Rue the Day at Leisure!
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Buying a home is considered by many to be one of the biggest and most stressful decisions an individual can make during the course of their life. So, making sure that you start the process of looking for and buying your own home with your eyes well and truly wide open can save you from a lot of heartache and unexpected costs down the track.
At RAMS, we appreciate that first home buyers can face many challenges and sometimes, obstacles when looking to buy a property. It’s wise to do your research and be thorough in your approach to buying a property in order that you make the experience as smooth and enjoyable as possible. In this issue we’ve outlined some of the things you may need to consider when looking at a property purchase…Read the full article
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Low Cost, No Fuss Living! Is This the Choice for You?
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When you decide to take that step towards owning your own home it’s important that you work out exactly what’s important to you, your family and your lifestyle. When you prioritise what you need in your first home you may find that your dream house is just a little bit out of your reach for now.
Your alternative may be to take a smaller step into real estate in order to have your own home now – and perhaps have that dream home down the track.
In this issue we’ve provided you with some different things you can consider when looking to find your first home...Read the full article
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Understanding Your Home Loan Features – Let’s Cut Through the Jargon
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Lots of home loans come with a range of additional features, or benefits that can add to the value or appeal of the home loan, that is, if they suit your financial needs and goals.
However, sometimes the ‘jargon’ that surrounds home loan features can make it hard to understand exactly what it is that you are getting with your home loan features – which in turn makes it hard to gauge whether or not what you are being offered is of benefit.
In this issue we’ve cut through the jargon to explore some of the different features that can come with home loans… so that you can find out if they suit you, or not. Read the full article
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How to Save for Your First Home – Top Tips!
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Saving a deposit for your first home isn’t fun and can involve making a number of sacrifices and lifestyle adjustments. We’ve created a list of ‘top tips’ that you can use to help you save up a deposit and be able to make the move into the property market sooner than you may otherwise have thought. Read the full article
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March 2010
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Considering a Move into Property Investment?
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The high property ownership rate in Australia would suggest that people believe that investing in ‘bricks and mortar ’ is a safe and great way in which to build capital over time. History has shown that property prices generally rise over the medium to long term, although history is no guarantee of future price growth, it has offered people a comforting benchmark for future growth opportunity.
In this issue, we look at a number of different things you should consider before making a move into property investment. Read the full article
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Honeymoon Rate Home Loans – Could Be the Start of a Beautiful Financial Future!
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Honeymoon Rate Home Loans, which offer a special introductory interest rate, are a popular choice for many first home buyers as they can offer a lower interest rate in the early days of the home loan.
There are a few things you need to consider when looking at Honeymoon Rate Home Loans, so we’ve outlined them for you. Read the full article
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Saving for a Deposit – How to Avoid Unnecessary Fees and Charges
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When looking to get into the property market and purchase their first home, one of the biggest challenges many Australians face today is saving the amount required for a deposit, whilst still managing to cover day to day expenses.
However, if you look at the different fees and charges that you may be paying on your bank accounts and credit cards and analyse just what you’re spending your money on, it should be possible to see where you can add to the savings in your piggy bank.
We’ve outlined some tips to help you save your money and build a deposit nest egg. Read the full article
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10 Hot Tips for Property Investors
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So you want to invest in property? There are many benefits that can be gained from investing in property and building a property portfolio. However, there are also lots of things that you need to be aware of.
We’ve created a list of hot tips that you can consider before making your foray into the investment property market. Read the full article
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February 2010
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Buying Off The Plan - What You Need To Know
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Buying property off the plan can be a good way to get your foot into the property market and secure a new home at a competitive price. However, there are a number of things you need to consider when looking to buy property off the plan. Let's take a look at some of them...Read the full article
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The Buying Agent - Why Not Benefit From Expert Sales Advice?
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Buying a home is one of the most important, time consuming and stressful undertakings in a person's life. Having an experienced, knowledgeable person to help you navigate the path to buying a home can be invaluable. The role of a Buyer's Agent... Read the full article
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Top Tips When Choosing A Removalist
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For some, moving home is easy; just pack up a few bags and boxes into the back of a friend's ute and away you go. But for many, especially those who've had the time to accumulate a few more possessions, moving home takes a lot more planning. If you're one of these, read on for our top tips to help you find a removalist who'll help make your move as stress free and pleasant as possible. Read the full article
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What Happens When You Buy A Property?
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When you buy a property there are a number of stages that you will go through, each with different requirements. To help make buying a property as easy and 'stress free' as possible, the RAMS team has developed a list of all the different things you need to 'tick off' the list. Read the full article
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January 2010
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What Barriers Need to Be Overcome when Considering Property Ownership?
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The second edition of the RAMS First Home Buyers' Pulse Check survey, which was conducted in August, explored the behaviour and attitudes of first home buyers and first home seekers.
Find out more about what home seekers and home buyers have to say - and tell us if you feel the same way. Read the full article
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Is It Time to Give Your Home Loan a Honeymoon?
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Have you considered taking up a home loan that offers you the benefit of a financial 'honeymoon'?. Or, if you already have a mortgage, perhaps you should consider refinancing to give your mortgage a break and get your money working harder for you. Read the full article
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Signing Up for a Home Loan? What Questions Should You Ask First?
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Before you sign your name on the dotted line and commit to a home loan and years of mortgage repayments, there are a few questions we recommend you ask first. Taking out a mortgage is a big commitment, so it's important that you understand what you're signing up for and know exactly what features, benefits and costs to expect over the course of your loan. In this issue, we've looked at a few of the key questions you need to ask before you put pen to paper. Read the full article
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Buying a House with a Friend - a Checklist
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So you want to get into the property market, but have decided to join forces and finances with a friend to increase your buying power and your repayment strengths? Well, there are a few things you might want to consider before you head down this track together. We've created a list of 'helpful hints' that you can follow if you're looking to enter into a joint property purchase with a friend. Read the full article
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