We've all heard the horror stories about a mechanically-challenged friend buying a car and it turning out to be an absolute lemon! Well, the truth is that sourcing the finance for the car isn't all too dissimilar. But here are 12 reasons why you won't end up with a lemon of a loan with us!
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5 ways to combat current property market conditions
By pcpl.net.au
/ March 7, 2019
Australia's housing market might be on a bit of a downward trajectory, but that doesn't mean the value of your home can't buck the trend. Here are five ways you can increase the value of your property, without necessarily increasing your monthly mortgage repayments.
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In this together: help us help you
By pcpl.net.au
/ February 13, 2019
Higher interest rates, increased fees, less flexibility and fewer options. That's how borrowers will lose out if the banking Royal Commission's recommendations around how mortgage brokers are paid are implemented. Here's how you can have your say!
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Mortgages not holding Aussies back from travel
By pcpl.net.au
/ February 7, 2019
It's no secret that Australians love to travel. The thing is, we also love to own our own home. Can you do both? It turns out most people can!
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Customers set to lose out as Big 4 Banks profit, yet again
By pcpl.net.au
/ February 6, 2019
Once again the Big 4 Banks have escaped major punishment and gotten exactly what they wanted: adding a multi-thousand-dollar tax on borrowing that'll hit consumers and brokers hardest.
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Do you Airbnb your property? The ATO has you in its sights
By pcpl.net.au
/ January 24, 2019
Sharing is caring, right? However, when it comes to the sharing economy, the ATO is feeling neglected and wants its fair share. Here's what you need to know if you rent out your property on Airbnb.
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Property buyers are increasingly turning to mortgage brokers
By pcpl.net.au
/ January 17, 2019
Excuse the humble brag, but property buyers are turning to mortgage brokers in record numbers. Here's why that's great news for the both of us.
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Is your interest-only loan about to end?
By pcpl.net.au
/ January 10, 2019
It's the end of the road for 900,000 borrowers on interest-only loans, as they'll be automatically switched to principal and interest loans this year. Now's the time to check whether or not you should start considering other options.
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APRA to remove restrictions on interest-only home loans
By pcpl.net.au
/ December 24, 2018
Here's some good news to kick off 2019: APRA is removing its restrictions on interest-only residential mortgage lending from January 1.
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Season’s Greetings! Wishing you a prosperous 2019!
By pcpl.net.au
/ December 19, 2018
Whether you're celebrating the festive season with family and friends, or getting away somewhere nice and relaxing, we hope you have a wonderful break over the summer holidays!
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Bank wanted mortgage broking fees transferred to customers
By pcpl.net.au
/ December 5, 2018
A big four bank almost overhauled its broker remuneration model so that the cost of mortgage broking services would be transferred to the customer, the royal commission heard. Here's how to prevent that from happening.
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Buy now, pay later schemes putting young shoppers at debt risk
By pcpl.net.au
/ December 4, 2018
One in six customers who use payment methods such as Afterpay and Zip Pay run into financial strife – and ASIC is putting the 'buy now, pay later' industry under the spotlight.
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Stress tested your home loan recently? Don’t stress
By pcpl.net.au
/ November 29, 2018
Seven in 10 Australian mortgage holders have not stress tested their home loan. But don't stress, it's much easier to do than you think.
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Royal Commission – what might its impact be
By Admin
/ November 28, 2018
The Royal Commission is currently undergoing its final round of hearings with CEOs and Chairmen of the major banks and...
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6 Christmas tips to help you save this silly season
By pcpl.net.au
/ November 14, 2018
Most of us roll our eyes when we start seeing shopping centres spruik Christmas merchandise in November. While it's important not to get caught up in the festivities too early, now's actually a great time to start prepping to ensure a budget blow-out doesn't derail your mortgage repayments over the silly season.
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Under the microscope: your micro-transactions
By pcpl.net.au
/ November 8, 2018
When it comes to paying off your mortgage, many of us are in the dark as to where we should be making significant savings. A good place to start? Cutting down on ‘micro-transactions’.
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Guidance needed for borrowers, industry body says
By pcpl.net.au
/ November 8, 2018
Property owners and prospective first home buyers are increasingly in need of clear guidance on home lending as the housing markets in Melbourne and Sydney begin to cool, says the Housing Industry Association.
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On the up and up. Keen to jump into a property hotspot?
By pcpl.net.au
/ October 31, 2018
With housing values falling across half of Australia's capital cities over the past year it can be all too easy to forget many regions are doing well. Here's where property prices have recently experienced healthy growth.
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Choosing the right investment ownership model
By pcpl.net.au
/ October 3, 2018
We all know that choosing the perfect investment and getting the timing right are both critical. What people often overlook, however, is selecting the right investment ownership model.
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Why is the bank saying I can’t service a loan?
By pcpl.net.au
/ October 3, 2018
A question we often get goes something along the lines of: 'I make my repayments on time, and I save $1,000 per month, why is the bank saying I can’t service a loan?' Here's how banks conduct loan serviceability.
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