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Home Appraisal or Valuation
Understanding The Home Appraisal Process When you buy a home using financing from a bank, refinancing your existing loan, or selling your home through a Real estate other than an all-cash sale, the home appraisal is a key component of the transaction. Whether you're a...
How we helped a client get approved for the loan he wanted after being declined by a major bank
How to get a loan approved after getting declined It's one thing when the banks say no to a borrower with an "out-of-the-box" scenario as we don’t live in a perfect world along with the fact that there are events that occur in anyone’s life that one cannot control,...
10 Steps for First Time Home buyers In Australia
Buying your First home can be a daunting task. But millions of people have been there before you and survived. If you do your homework or speak to “Suresh” your senior mortgage broker at DBIJ Finance, you'll have the best possible chance of finding a place you can...
When You Have Excess Cash, The Dilemma Is To Invest Or Reduce Debt?
Investors face this dilemma of whether to pay down debt with excess cash (e.g. Bonus, salary increase & other windfall) or invest that money to turn it into even greater amounts of wealth. If you pay off too much debt and reduce your leverage, you may not be able...
9 Income Sources That will help you Boost Your Borrowing Power
Whether you’re planning to buy your first home or an investment property or just want to upgrade to a larger dwelling, then it’s essential to maximise your borrowing power by fully considering your income source. Banks and other lenders assess your supplementary...
Property prices: 25 suburbs that have been hit the hardest by falling prices in all states
Property prices don’t always go up and many markets that investors are encouraged into today are actually at the peak of their growth cycle. There are a number of suburbs listed in the negative growth report that might surprise you as they may have been touted as a...
Credit Cards Vs Debit Cards – Our Top Ten Picks
Advantage of Credit Card Vs Debit Card Most personal finance experts spend a lot of energy trying to prevent us from using Credit Cards – and with good reason. Many of us abuse them and end up in debt. But contrary to popular belief, if you can use the card...
How to Calculate ROI for Property Investments
How to Calculate ROI for Property Investments First, we need to understand “Deductions” What is a 'Deduction' A deduction is any item or expenditure subtracted from “Gross Income” to reduce the amount of income subject to Income tax. It is also referred to as...
Personal Loans – A Beginner’s Guide
If you’re looking to borrow a sum of money then chances are that you’ll look to take out personal loans rather than any other type. The term personal loan is simply used to describe standard types of borrowing – i.e. a loan taken out by a consumer rather than a...