Everybody loves antique furniture, in that the pieces tend to look really cool, have a lot of awesome history behind them and are worth a lot of money. Continue reading “Antique Furniture: Out with the Old, In with the New (ish) “ <span class="meta-nav">→</span>
Investing in a home is one of the scariest / exciting things that you can imagine. That said, it’s incredibly expensive and often something that many people are unable to do without some financial assistance in the early stages.
So, if you’re looking into buying your first home and would like to get a home loan approved in order to help soften the initial blow, then here’s what you need to do:
1 – Know your credit score
Knowing and understanding the state of your credit score is very important, especially when it comes to buying a home. That, and it’s a very simple and straightforward procedure which doesn’t require all that much effort.
If you’d like some tips on how to improve your credit score, simply follow the link.
2 – Save as much money as you can
If you’re getting a home loan, you want it to be as little as possible in order to keep the monthly repayments down. One of the best ways of doing this is by saving as much money as you can to begin with. Yes, this is easier said than done, however, if you can afford to wait another year or so before rushing into getting a loan then it might be worth the wait.
For those of you who want to get onto the property ladder as soon as possible, then you might want to see if you can borrow interest-free cash off of family. This isn’t always possible, but again, it might help to keep your premiums down.
3 – Be consistent with your work
Those who have an inconsistent work history are less likely to be approved for a home loan. In order to improve your chances of being approved, you’ll need to demonstrate that you can hold down a job for a long period of time. This is largely due to the fact that those who are not consistent with work, tend to be inconsistent with repayments.
4 – Pay off as much debt as possible beforehand
Don’t worry, you don’t have to be entirely debt free to get a home loan approved, however it certainly helps. Before making your application, we would advise trying to pay off as much of your debt as possible. This way, you’ll be demonstrating to your mortgage broker (let’s say, Multi-Choice for example) that you are consistent and reliable with making payments and paying off debts.
5 – Be realistic about what you can afford
Being realistic about what you can afford is another great way of ensuring that your loan applications are approved when the time comes. Here are multiple loan calculators that you can use, for research purposes. This will give you a clear indication as to how much you’d be expected to repay on a monthly basis so that you can gauge which is the most realistic option for you to apply for.
Car stereos are normally very well designed and reliable pieces of equipment, but there are always times when faults occur and units develop problems. Continue reading “Two Simple Checks to Diagnose Power Faults with Car Stereos “ <span class="meta-nav">→</span>
Pulling off a successful event is no simple task. Many people think it’s all about having that golden idea, and while that certainly helps, it’s the people you hire that make all the difference. What good is an event if your AV team are useless? Continue reading “Tips on How to Hire Reliable Event Staff” <span class="meta-nav">→</span>
Australian property law can be tricky, and without the proper assistance, there are many potential pitfalls. The temptation to use a buyer’s agent can sometimes be stifled by the prospect of having to pay commission. Many people believe they can do just as well on their own, and without a doubt, there are dedicated people out there who do manage to navigate a transaction on very good terms. However, the truth is, buying a property can be a maze of contradictions and ambiguous language, designed primarily by and for the legal profession. Consumers, if inclined to do so, are capable of researching, administrating, and organizing the data required, but most see it as a mountainous task with little room for error and unforgivingly harsh outcomes for those who make mistakes. Continue reading “Why not to go it Alone” <span class="meta-nav">→</span>
There have been some great technical advances in home security in recent times. Homeowners today really have all the tool they need to make sure they don’t fall prey to those who wish us harm. The hi-tech security industry offers many gadgets and sensors and alarms which provide added protection to any home, However, hot everyone wants or needs such high levels of security, and some homeowners find it a financial burden to purchase, install, and maintain such sophisticated equipment. In this case there are alternatives. Many traditional forms of home security are overlooked in the modern age, and homeowners sometimes forget that cheaper, practical forms of protection are still available. Continue reading “Traditional Home Security” <span class="meta-nav">→</span>
So you like a particular neighbourhood and you’re considering moving there. First impressions are great, but how do you make sure this is the spot for you and your family. Many buyers can become smitten with a property without really investigating the surrounding area. Continue reading “Due Diligence Before Making an Offer” <span class="meta-nav">→</span>
If you’ve ever tried to re-decorate a home you’ll be aware of just home much waste is produced. And if you’ve ever tried to get rid of that waste in a conventional wheelie bin you’ll know just how long it takes to get rid of the stuff. There are many jobs in and around the home which can leave you with a huge amount of trash. Sometimes it’s more of a job getting rid of the waste than the actual job itself. It’s at times like these that we could all use a little extra help. That help can come in the form of a skip bin. You may need to hire a skip bin for a multitude of reasons, and if any of the following jobs seem likely to occur at your property maybe you should consider the benefits of one: Continue reading “When a Skip Bin may be a Good Idea” <span class="meta-nav">→</span>
If you have ever considered starting your own business you’ll know the first problem all business owners face is getting your product or service recognised by the public. It doesn’t matter how much value you can provide, or how much enthusiasm you have for your brand, if no one knows you’re out there you won’t make any impact on the marketplace.
However, with a little pre-planning you can get your enterprise up and running in no time. Not every business needs the same approach to advertisement, but there are some general sales methods which should do well in almost any industry. Let’s take a look at a few tries and tested ways to get your company the exposure it needs to succeed: Continue reading “Get your Business Known” <span class="meta-nav">→</span>
What makes an awesome party? Awesome or not, it all depends on the opinions of the people who attend the party. To make sure everyone invited gets to enjoy their time, there are a few things that have to be considered before planning that awesome party. Continue reading “Checklist For an Awesome Party “ <span class="meta-nav">→</span>