Care Home Loans in Mulgrave, Victoria | Local service

Care Home Loans

Locality: Mulgrave, Victoria

Phone: +61 410 133 994

Address: 5a Hartnett Close 3170 Mulgrave, VIC, Australia

Website: http://www.carefinance.com.au

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25.01.2022 Non-major lenders have started offering another 5,000 slots for the First Home Loan Deposit Scheme, which allows first home buyers to purchase a property with a deposit of 5% without having to pay Lenders Mortgage Insurance (LMI).

25.01.2022 Got retirement on your radar? A reverse mortgage can help you improve your standard of living during your golden years. Today well look at how some Aussies are using them. From 2014 to 2054, the number of people in Australia aged between 65 and 84 is likely to more than double, according to ASIC. This will likely see an increase in demand for equity release products such as reverse mortgages.

24.01.2022 First home buyers are throwing themselves into the property market in numbers not seen since 2009. The number of owner-occupier first home buyer loan commitments reached its highest point in ten years in January, with newcomers taking out 9,945 loans (seasonally adjusted), according to ABS data. Thats a 3.2% rise on the previous month and a 20% increase on January 2019 (7921 loans).

23.01.2022 Tens of thousands of Aussies have an extra reason to love Valentines Day this year, with their credit scores set to jump after civil court filings disappear from their credit file. According to consumer and financial law firm MyCRA Lawyers, the change will allow some people to get credit where previously they were rejected, or simply negotiate lower interest rates.

20.01.2022 Applications for the new First Home Loan Deposit Scheme are now open, with 10,000 guarantees available to first home buyers looking to get a leg up into the property market. Now, with 10,000 spots it might sound like you've got plenty of time up your sleeve to take advantage of the new scheme, but consider this: 110,000 Australians bought their first home in 2018.

20.01.2022 You know that infuriating habit the big banks have of failing to pass on the RBAs cash rate cuts in full? Well, its finally triggered the federal government to order an inquiry into home loan pricing.

19.01.2022 With 2019 drawing to a close, we hope you're shifting into holiday mode and getting ready to relax and unwind (or, at least, looking forward to a few public holidays!). Hasnt the year just flown by? It only seems like only yesterday that the RBA cut the official cash rate for the first time in almost three years.

19.01.2022 With Australia currently enduring its worst bushfire season on record, we all want to do our little bit to help out, so today we thought we'd discuss the important topic of underinsurance.

18.01.2022 Small businesses all around the world are facing uncertain times. However, rather than shutting up shop until COVID-19 passes, the federal government is hoping to stimulate SME spending through a raft of initiatives and tax incentives. Indeed, the government estimates its two new business investment initiatives have the capacity to support more than 99% of businesses across Australia (3.

17.01.2022 If your small business is being affected by the coronavirus your loan repayments will be deferred for six months, says the Australian Banking Association (ABA). ABA CEO Anna Bligh today announced a small business relief package from Australias banks. Small businesses can rest assured that if they need help, they will get it, Ms Bligh said.

16.01.2022 Are you paid weekly, fortnightly or monthly? New research indicates that how often youre paid has a pretty big bearing on whether youre a saver or a spender. The research, conducted by small business platform Xero, shows that Aussies who receive their salaries weekly are more likely to splash their hard-earned cash than those who are paid monthly due to a term theyve dubbed payphoria.

16.01.2022 Could you say goodbye to Netflix to take out a loan? Thats one example corporate watchdog ASIC has included in its responsible lending update. Now, rest assured that you dont actually have to say goodbye to Netflix to take out a loan.

16.01.2022 Properties with high energy-efficiency ratings typically sell for up to 10% more, a review of international research shows.

15.01.2022 SME owners concerned about the coronavirus outbreak impacting their cash flow are being urged to talk to their creditors as soon as possible. Earlier this month the RBA cut the official cash rate by 25 basis points to a new record low of 0.50% due to the impact of the coronavirus outbreak on global financial markets.

15.01.2022 It takes most first home buyers longer than a full working week to house hunt and apply for finance for their 'dream' property, according to new research. The 2020 St George Home Buying Survey found that it takes first-home buyers an average of 44 hours to research properties, hone in on one they like, and begin the home-buying process - including applying for a mortgage.

14.01.2022 Employers who have underpaid their staff superannuation have been granted a one-off amnesty to make things right, but that doesnt mean theyre completely off the hook. The Treasury Laws Amendment (Recovering Unpaid Superannuation) Bill 2019, which just passed federal parliament, encourages employers to come forward and pay any unpaid superannuation in full.

14.01.2022 Homeowners who have had their income impacted by the coronavirus outbreak are being encouraged to seek out hardship options with their lender. The economic impact of the coronavirus outbreak is evolving daily, if not hourly, across the Australian financial landscape. Businesses have closed, jobs have been lost, and casual workers have had their hours slashed from work rosters.

13.01.2022 Found yourself with extra time on your hands? Slightly worried about meeting your home loan repayments? Want to make use of those back-to-back rate cuts? While the world has changed significantly over the past month, it’s possible to use some changes to your advantage. Before we go any further though, we want to say we understand there’s no shortage of Aussie families doing it tough right now.

12.01.2022 The pendulum may have swung a bit too far when it comes to the tight lending standards currently imposed on small businesses, says the Reserve Bank of Australia (RBA). Since the RBA cut the official cash rate to a new record low of 0.

10.01.2022 Got a pool youre constantly scooping leaves out of but never use? Or perhaps youre looking to cool off this summer in the privacy of someone elses backyard. Well, a new pool-sharing app has just launched in Australia. We Aussies love to swim. In fact, weve won the second most swimming gold medals at the Olympic Games - only behind the US.

10.01.2022 Did you know theres around $1.1 billion owed to Aussie families in unclaimed shares, bank accounts and life insurance? With the festive season just around the corner, heres how to find some long lost funds for you and your family in less than one minute. They say Christmas is a time for giving. But lets be honest, its always nice to get a little surprise, too.

09.01.2022 More than one-in-five SMEs are having cash flow problems due to business loans being rejected, according to new research. The report, by market analysis firm East & Partners on behalf of Scottish Pacific, also shows just one in 10 SMEs believe they are on top of their cash flow.

09.01.2022 Got a large, overdue tax debt with the Australian Tax Office (ATO)? Then best listen up, because certain tax debt information can now be reported to credit reporting bureaus (CRBs). A new Australian law means the ATO will be able to disclose the tax debt information of a business to CRBs when certain criteria are met.

08.01.2022 Once upon a time you were rewarded for loyalty. But borrowers with older mortgages are typically paying a higher interest rate than customers on new loans, confirms the Reserve Bank of Australia (RBA). The RBAs study finds that the difference in interest rates between new and outstanding variable-rate home loans increases with the age of the loan.

08.01.2022 A question thats been popping up a bit lately has been why didnt my lender reduce my repayments when the interest rate fell last year? Its a good and timely question considering the big four bank economists all expect the RBA to cut the cash rate by 25 basis points to a new record low of 0.5% on February 4.

08.01.2022 The Reserve Bank of Australia (RBA) has cut the cash rate to a record low of 0.25% following an emergency meeting due to the impact the coronavirus is having on the economy. RBA Governor Philip Lowe said in a statement the move was due to the virus causing "major disruptions to economic activity across the world".

08.01.2022 The country's top financial regulators are concerned banks are too cautious when it comes to loans for small business borrowers. The Council of Financial Regulators (CFR) - which is chaired by RBA governor Philip Lowe and includes APRA, ASIC and federal Treasury - met to discuss the tight credit conditions for small businesses and the associated reduced risk appetite from many lenders.

08.01.2022 Here's some promising news for big and small businesses alike: six-month loan deferrals are now available to larger businesses on the condition that they don’t terminate leases or evict tenants for falling behind on their rent due to COVID-19.

08.01.2022 The property price caps in each state have been revealed for the federal governments new first home buyer scheme. Read on to find out the maximum value of a property you can purchase under the scheme. Imagine buying your first home with a 5% deposit and not having to pay lenders mortgage insurance (LMI).

07.01.2022 Looking to refinance your home loan? A valuation is a vital part of the process. So today well look at some ways you can help get your home in tip-top shape. When you refinance to try and get a better deal on your home loan, the lender youre applying with will arrange a valuation to estimate what your property is worth.

07.01.2022 Predatory payday lenders are profiting from vulnerable Australians and trapping them in spiralling debt, according to a collaborative report by 20 consumer advocacy bodies. The report, The Debt Trap: How payday lending is costing Australians, projects that by the end of the year there will be $1.7 billion worth of payday loans lent out in Australia. It also found that over 4.7

06.01.2022 Downsizers are tipped to take advantage of the perfect storm and get the most out of the property market this year, predicts the national body representing professional buyers agents.

03.01.2022 Small business owners experiencing financial difficulties are often leaving it too late to seek help from a trusted adviser before going bust. Thats one of the key factors contributing to small business insolvencies being explored by the Australian Small Business and Family Enterprise Ombudsmans Insolvency Practices Inquiry.

02.01.2022 Borrowers struggling to stay afloat will be offered greater protection from debt collection agencies under new guidelines being applied by Australian banks. As recently reported by the ABC, debt collectors can legally sue to recover debts as little as $5,000, with one debt collection agency suing hundreds of people for bankruptcy to recover debts.

02.01.2022 The Reserve Bank of Australia (RBA) has cut the official cash rate by 25 basis points to a new record low of 0.50% as the coronavirus outbreak impacts global financial markets. RBA Governor Philip Lowe said the coronavirus has clouded the near-term outlook for the global economy and global growth in the first half of 2020 will be lower than earlier expected.

02.01.2022 A new web platform described as a dating app but for home-ownership says it can help users enter the property market in half the time it usually takes.

01.01.2022 This is one article we hope you never have to read. But if COVID-19 has impacted your income to the point where you may need to pause your mortgage repayments, then weve broken down the banks deferral policies for you.

01.01.2022 SMEs are set to have better access to finance, with the Australian government making two key moves this month to free-up lending to small business operators. Firstly, Treasurer Josh Frydenberg says he will instruct the corporate watchdog ASIC to tell banks to waive responsible lending standards for small businesses.