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Ty Dang

Phone: +61 492 973 927

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25.01.2022 If you are thinking of buying - start your research with a Free Suburb Profile report. Australian consumers have grown to be exceptionally educated when it comes to researching the property market. Not a day goes by when there isn't an article in the media reporting some aspect of the property market.... Information providers like MyRP Data make researching the local marketplace much easier for the average buyer, seller or investor. Visit www.myrp.com.au/n/free-suburb-profile/myrp-545 for a free suburb profile report. Please also download this guide for more details. https://www.mortgageaustralia.com.au//savvypropertypurchas

21.01.2022 Did you know Mortgage Stamp Duty is no longer charged on refinanced home loans? When our home or car insurance comes up for renewal each year, most of us (hopefully) invest the time to shop around and investigate the competition to make sure we are getting a good deal. The average Australian with a mortgage spends 18% of their gross income on housing costs. With such a large investment, why do we not give our home loan the same regular review?... With the recent change that Mortgage Stamp Duty is no longer charged on refinancing your home, it is a lot cheaper and easier than many people think to switch loans. For more details, read my "Change can be good" article. https://www.mortgageaustralia.com.au///changecanbegood.pdf

17.01.2022 My top 7 Tips for Buying Off The Plan New home sales are back on the rise, fuelled in part by many investors and owner-occupiers buying off the plan. The concept is straightforward: put up a deposit (usually 10 per cent) to help the developer fund construction and pay the balance when the build is complete. ...Continue reading

13.01.2022 Six Steps to becoming mortgage-free - Step 4: Offsets and Redraws Would you like to cut your mortgage by years and pay less? What if you could get your mortgage all wrapped up in record time, and spend more time doing the things you love?... Well, there are six steps you can take now, which will make a real difference to the time it takes to pay off your loan. You could be mortgage-free sooner than you think. In the past weeks, we looked at Step 1: choosing the best loan, Step 2: changing your repayment frequency, and Step 3: Pay more to pay early. Today, find out how offset accounts and redraw facilities can help you move quickly towards losing that mortgage forever. Step 4: Offsets and Redraws Do you have a savings account that you use to put money away for a rainy day? You might be surprised to learn that this can save you money on your home loan - even if you keep the money in savings. This is commonly referred to as an offset account. Many lenders offer a 100% offset account which, when linked with your mortgage, can dramatically reduce the interest that you pay on your loan. The reason for this, is that the savings 'offset' what you owe, and you're only charged interest on your loan amount - minus your savings. This can have a significant impact on your loan in the long term. For example, if you have a loan of $400k, and keep $30k in an offset account, you could save over $150k in interest over the life of your loan. Another handy mortgage feature to look out for is a redraw facility. This allows you to make extra repayments on your loan whenever you want, but gives you the flexibility of taking that additional money back in the future if your plans change. By taking advantage of offset accounts and redraw facilities, you can take control of your financial goals today, and pay your loan off sooner. Want to escape your mortgage as soon as possible? Stay tuned for Step 5: Don't take candy from strangers.

05.01.2022 How to pay your credit card off completely this year. Are you growing increasingly concerned about your credit card balance? Do you feel like you keep making the repayments but the total never goes down? It probably doesn't. Credit card debt is very bad debt and it has a way of reproducing itself faster than a pair of rabbits.... So how can you get your credit card paid off by the end of the year? Mark managed to pay off a $7k credit card balance in one year, just by making a few smart decisions with his budget. Decision number 1: Cancel the Pay TV. Mark was paying $79 per month for subscription TV. He didn't really watch it very much because he was working long hours. Saving: $948 Decision number 2: No more morning Cappuccino. Mark's boss had recently installed a great coffee machine in the office, so he decided not to get a $4 coffee on his way to work every day. Saving: $1040 Decision number 3: Ride to work. Mark had purchased a new bike last year, and he was really keen to get fit. An easy 20 minute ride to work every day saved him paying for train tickets. Saving: $3000 Decision number 4: Cancel the Gym membership. Mark had made only two guest appearances at his gym this month, and he felt it was a waste of money now that he was riding to work. Saving: $1200 Decision number 5: No beer on weeknights. Mark was enjoying his new fitness regime and he decided that he would try to only drink beer on the weekends. He stopped buying a 6 pack 2 nights a week. Saving: 1456 Mark's story shows just how easy it is to pay off your credit card debt by making a few small changes to your lifestyle. But the first step is to stop spending on the card. If you can stop growing the debt, you can then start working on bringing it down, one coffee at a time!