Tuesday, 16 August 2016
With interest rates at an all-time low, you are probably wondering whether now is a good time to fix your rate or will the variable rate drop even further. With a split home loan, you can ‘hedge your bets’ and get the best of both worlds as you are able to keep one portion of your loan on a fixed rate while the other remains on a variable rate.
Thursday, 3 March 2016
It’s an expensive world that we live in and it’s no wonder that being in debt has become a normal part of our lives, however don’t let yourself become overwhelmed with your financial commitments. By consolidating your debts, you minimise the amount of loans and repayments you have to worry about and you will be taking the first step towards financial freedom.
Tuesday, 29 September 2015
Buying an investment property is an easy way to create wealth. There’s also less risk compared to the likes of the share market which can be quite volatile and hard to understand. However before you take the plunge to becoming an investor, are you really ready?
Tuesday, 29 September 2015
Getting an investment home loan has just become more expensive or harder to obtain as a result of some recent findings released by APRA (Australian Prudential Regulation Authority) last month.
Thursday, 16 April 2015
Equity is a type of wealth hidden in your home. It is the difference between how much your home is worth and the amount of money you still have owing on it. Home equity is a great way to help you start your investment portfolio as it allows you to use the profits in your existing home as a deposit towards your new investment purchase.
Thursday, 11 December 2014
So you’ve outgrown your home but just not quite ready to go through the process of finding a new property. Then renovating or extending is the answer! Here are a few tips that you might find useful for your next home improvement project.
Thursday, 13 November 2014
Are you feeling overcrowded? Maybe it’s not a matter of space but a matter of taste. Those terracotta tiles might have been “all the rage” 10 years ago but now they just look out dated. Here are just some of the tell-tale signs that you’ve outgrown your home and it may be time to move on.
Tuesday, 16 September 2014
Want to pay off your home loan early and save thousands of dollars in the process? Then having an Offset Home Loan is the way to go.
Friday, 29 August 2014
Buying a New Home? Then the first thing you need to think about is a deposit. Read the full article on great ways you can save and reach your goal of owning your dream home.
Thursday, 14 August 2014
What’s the difference? How much of an impact do your savings have on your home loan application?
Thursday, 31 July 2014
The latest market trend shows that home loan fixed rates are being reduced quite considerably from many home loan lenders. As a result, you may be asking which is the better option. Do I fix my loan now or do I stay on a variable rate?
Thursday, 17 July 2014
Don't run the risk of having your renovation end up over budget or behind in schedule. Read our latest hints and tips to help take the stress out of renovating your home.
Tuesday, 24 June 2014
You’ve found your dream home, you’ve negotiated the price…but how much is it all really going to cost?
Friday, 6 June 2014
We’re already half way through 2014 and about to start a new financial year. This time is a great opportunity to review your personal finances and do a quick financial health check. By regularly reviewing your finances, you ensure that your details are up to date, you can find ways to save money and you can plan for the next financial year.
Thursday, 22 May 2014
The 2014-2015 Budget was handed down on 13 May 2014. The 2014-2015 Budget is all about repairing the budget and building a strong and prosperous economy. However, what do these changes mean for home owners?
Thursday, 8 May 2014
A home loan is likely to be the most expensive purchase one makes in their lives. So it is important to know what you need to arrange prior to applying for a home loan and what to have organised when applying for a home loan.
Thursday, 24 April 2014
Even though interest rates are low, many borrowers are still finding it difficult to enter the property market. Purchasing a property with others can enable borrowers to get into the property market sooner by pooling their resources. But is this really a good idea?
Friday, 11 April 2014
There’s no subject at school that teaches children how to manage their money, so as parents, it is our responsibility to set a good example and provide guidance to our kids. To set children on a good financial path, we can start teaching our children about money and the earlier this is started, the better.
Tuesday, 25 March 2014
Reach Your Savings Goal Sooner With These Handy Tips
If you are trying to save a deposit for a house, follow our tips to reach your savings goal sooner. The greater deposit you can save, the less costs and the easier it will be to get finance approval and purchase your new home.
Wednesday, 5 March 2014
Comprehensive Credit Reporting Changes Are Coming. Are You Ready?
From 12 March 2014, credit providers will be able to share more data regarding your credit history. This means that lenders will have access to more comprehensive data about how you manage credit that has been provided to you (e.g.: home loan repayment history). Are you prepared for the changes?
Thursday, 27 February 2014
How do you pay off your home loan faster to reduce the principal owing and decrease the overall interest charged on your loan? There are few steps you can use in combination or individually that will help you pay off your home loan faster.
Wednesday, 18 December 2013
Renovations can often end up over budget and behind in schedule, so we’ve put together some hints and tips to help make sure your renovation goes as smoothly as possible.
Thursday, 5 December 2013
Why rent when you can build? That's the question south of the Tasman.
Thursday, 21 November 2013
What is the real cost of paying a monthly or annual fee with your home loan?
Thursday, 7 November 2013
Off The Plan Purchases - a safe investment? You see the developers' models, the glossy catalogues and the shiny displays, but are off the plan purchases a good investment?
Thursday, 24 October 2013
There is so much competition in the mortgage market at the moment and customers are primarily focusing on getting the lowest interest rate possible for their home loan. However, what most customers don't realise is that getting a cheaper rate can have some hidden catches.
Thursday, 10 October 2013
You’ve found your dream block of land. You’ve fallen in love with a display home, but you’re not sure how to turn your dream into a reality?
Wednesday, 2 October 2013
Investors used to live by the rule that property values double every 7 to 10 years. You could buy a property, any property, and wait to reap the rewards. Unfortunately, today’s market isn’t the same as yesteryear, and investors can no longer sit back and sip pina colada’s while their property value appreciates.
Thursday, 12 September 2013
In March 2014, credit reporting in Australia will be undergoing a significant change. Even though the changes are not happening until next year, you need to start preparing yourself now.
Wednesday, 28 August 2013
Buying a home or refinancing your mortgage is a decision that needs careful consideration. There are many important areas where you will need information, so that you can make the best overall decision for your current, and future, personal circumstances.
Thursday, 15 August 2013
Positive Gearing, Negative Gearing...nice catch cries, but what do they mean?
Thursday, 1 August 2013
Is it still affordable to own your own home? Pioneer's Credit Manager, Graeme Scott gives an overview of what is happening in the housing sector.
Thursday, 18 July 2013
The Government announced the end for the First Home Owners Grant for established properties in Victoria, effective July 1, 2013.
Thursday, 4 July 2013
Did you know you can buy your dream house before you sell your current home, without the burden of paying for 2 home loans?
Thursday, 20 June 2013
Being a NSW first home buyer just got even better!
The NSW government has just announced the extension of the first home buyers grant by a further 2 years.
Thursday, 6 June 2013
Ever thought 'what are they talking about?'. Well let's put jargon into plain English.
Thursday, 23 May 2013
The answer is yes! At Pioneer we are still giving our clients the option to apply for a Low Doc loan.
Tuesday, 7 May 2013
Do you have a personal loan and/or credit card debt? You could end up paying less interest if you consolidate these debts with your home loan. Your home loan interest rate is much lower than personal loan and credit card interest rates.
Tuesday, 26 March 2013
Self Managed super fund loans are becoming increasingly popular as more Australians are looking to purchase investment property through their Self Managed Super Fund and in turn taking advantage of the potential tax benefits it can provide.
Thursday, 7 March 2013
An interesting article appeared on news.com.au last week which outlined that two in three Australians think there is not enough competition in the banking system. With most people not realising just how many of the smaller banks are actually owned by the major banks.
Tuesday, 26 February 2013
If you're struggling to save up for your first mortgage deposit, speaking to your home loan lender about flexible payment plans and considering your spending and saving habits could help to make your loan more affordable.
Tuesday, 12 February 2013
If you're looking to free up equity in your home or want to make your loan more manageable, speak to Pioneer about mortgage refinancing.
Tuesday, 29 January 2013
You can pay off your home loan faster by opting to have an Offset account attached to your home loan.
Tuesday, 15 January 2013
There are many reasons to consider non-bank home loans over traditional loans from major banks, including saving money and benefiting from greater flexibility in your repayments.
Wednesday, 2 January 2013
Your choice between variable or fixed rate home loans could depend on a number of factors, including which option will offer the most competitive interest rates and financial security.