You want to buy a home. You know you need a deposit, but how much do you actually need? You’ve heard of banks lending on 5%. Is that all you need to save? Well, in some circumstances yes, but in most cases, if you don't have 20% deposit then you will be liable for expensive mortgage [...]
NSW Home Builder grant gives an owner occupier $25,000 as a grant to build a new home, renovate an existing home or buy an off the plan home/new home however there are important aspects of the grant you should think about before applying. TIMING & AFFORDABILITY: The contract for the build or renovation has to be [...]
Small spaces can feel cramped and unenjoyable but you can easily and cheaply transform your world using colour! Painting is one of the cheapest ways of feeling like you have renovated without the headaches or cost. Photo by Norbert Levajsics on Unsplash Whether it’s a colour blocking with bright orange …or painting the lounge [...]
WHAT IS THE FHSSS? The First Home Super Saver Scheme (FHSS) is a newly introduced scheme to assist first home buyers to save for a deposit on their first home faster. CONTRIBUTIONS Superannuation is only taxed 15% so when you contribute to your super pre-tax, you save the difference between 15% and your normal tax [...]
PARRAMATTA LOCAL BUSINESS AWARDS WINNER 2019 I was delighted to attend the awards dinner on 21 August 2019 and to our complete surpise we won the Best Sole Trader award for 2019! Thank you to all my clients who voted and to all the finalists and winners on the day!
NOTICES TO COMPLETE IN NSW All contracts in NSW have conditions which manage what happens if a settlement is delayed. Standard clause 15 in the most recent 2018 Contract for Sale of Land sets out that the buyer & seller must complete by the agreed date for completion and if they do not, either buyer or [...]
It is more important than ever to do your research when buying strata property as a home buyer or downsizer or investor. When buying a strata property, always do your research on the builder and the building as well as obtaining a strata report & a building report. "When defects are discovered, owners will often [...]
RESEARCH FOR FIRST HOME BUYERS As a first home buyer, your research and investigations into the property should not simply mean obtaining a Pest and Building report or a Strata report. Every property should be considered individually with the first home buyer’s future plans taken into account. THE LOCAL AREA & THE PROPERTY With first [...]
FHB DEPOSIT SCHEME The First Home Loan Deposit Scheme is a newly proposed scheme which intends to be available first home buyers who have been unable to save for a deposit of higher than 5%. This scheme is intended to start on 1 January 2020 and target buyers earning up to $125,000 annually or $200,000 [...]
