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Ellesmere Finance | News, Tips & Market Insights
Government expands Help to Buy scheme with higher caps
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Power Your Business into the New Year with Equipment FinanceThe New Year is the perfect time for businesses to reflect on their performance and prepare for growth in the second half of the financial year. As you plan for the months ahead, it might involve significant financial decisions, such as upgrading equipmen...
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Buying a Home Over Christmas: How a Mortgage Broker Can Help You Navigate the Holiday SeasonWhile many home buyers and sellers are focused on closing deals before Christmas, there are still opportunities for savvy buyers to make a property purchase during the holiday period. Although home sales tend to slow down during Christmas, the holiday sea... -
Six questions to ask at an open homeOpen homes can be overwhelming for first-time buyers, with many unsure what they should be looking for.With so much at stake, asking the right questions is crucial to making an informed decision. These days it’s possible to do a lot of...
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Essential service properties lead commercial market surgeCommercial properties showed remarkable strength in 2024, with the essential service sectors driving significant growth across the Australian market. New data from Burgess Rawson reveals that the average sale prices for premium commercial assets have incr...
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Why choose debtor finance?Debtor finance is a financial arrangement where a business uses its accounts receivable (unpaid customer invoices) as collateral to secure funding. This solution is particularly beneficial for businesses with cash flow constraints due to slow-paying custo...
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Commercial trends point to a strategic shift in 2025The commercial property market is entering a period of strategic change, with new trends reshaping investment opportunities across various sectors. Ray White Group head of research Vanessa Rader has identified several key trends that will influence the mar...
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Five reasons to buy an investment property before your first homeFor many Australians, the path to property ownership begins with buying a home to live in. However, purchasing an investment property first – known as 'rentvesting' – can be a smarter financial strategy.With the rising costs of home prices in m...
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Mortgage brokers thrive as market share reaches new heightsThe mortgage broking industry is going from strength to strength, now capturing 74.6% of the home loan market, despite interest rates remaining at decade-high levels.Data from the MFAA reveals that brokers are writing more than seven out of ten home loan...
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3 conversations couples should have before getting a home loanPurchasing a home as a couple is a major financial and emotional milestone. Beyond simply owning property together, it signifies a long-term commitment to shared financial and lifestyle goals. It’s vital that couples have open communication and clear expec...
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6 things to know about SMSFs and propertySelf-Managed Super Funds (SMSFs) offer Australians greater control over their retirement savings, and property investment is one way people can take advantage of this flexibility. But before diving in, it's important to understand the key factors that...
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Is it possible to finance your wedding?Weddings are one of life’s biggest celebrations, but they can also come with a hefty price tag. From securing the perfect venue to booking photographers, caterers, and entertainment, the costs can quickly add up. If you’re wondering whether it’s possible ...
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Property market set for growth in 2025, stronger gains in 2026Australian property prices are expected to continue their upward trajectory, with units outpacing houses for the first time, according to KPMG's Residential Property Market Outlook.The national housing market is forecast to see house prices rise by 3....
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Foreign investment drives Australian commercial property surgeAustralian commercial property has experienced a significant boost in foreign investment throughout 2024, with transaction volumes reaching $76.64 billion, marking a 19.2 per cent increase from the previous year.Ray White Head of Research, Vanessa Rader,...
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Elections have minimal impact on the property marketIn the realm of Australian property markets, federal elections often bring about misconceptions regarding their impact on real estate trends. This blog post delves into the surprising reality that, contrary to popular belief, federal elections exert limited influence on property values and auction performances. We will examine the intriguing data surrounding auction outcomes on election days, revealing that buyer sentiment can remain surprisingly stable despite political shifts. For potential buyers, the key takeaway is to steer clear of being swayed by fleeting political trends and instead focus on fundamental market indicators that truly dictate property values. Understanding these dynamics is vital for making informed and strategic investment decisions in today’s property landscape. -
Government expands help to buy scheme with higher capsIn this blog post, we explore the expanded Help to Buy scheme and its implications for Australians aspiring to own their homes. With new income and property price caps in place, we demystify who qualifies under the revamped program, making it easier for potential homeowners to understand their options. This significant government initiative is not just about financial assistance; it's a game-changer for young Australians looking to break into the property market, reinforcing the government’s commitment to fostering homeownership and empowering the next generation to achieve their dreams of owning a home. -
Can you refinance with a default on your record?In today's competitive mortgage landscape, understanding the impact of a default on your refinancing options is crucial for anyone looking to secure a favorable loan. This blog post delves into the key factors lenders consider when reviewing your application, including credit history, income stability, and overall financial behavior. Moreover, we’ll explore how specialist lenders can offer a pathway to refinancing even after a default, providing solutions tailored to your unique circumstances. Whether you're seeking to lower your monthly payments or access equity, this guide will equip you with the insights you need to navigate the refinancing process confidently. -
The benefits of debt consolidationAre you feeling overwhelmed by multiple loans and high-interest rates? In our latest blog post, we delve into the transformative benefits of debt consolidation. You'll uncover how merging your loans can unlock potential savings by lowering your interest costs, ultimately reducing your monthly payments. Discover the peace of mind that comes with simplified repayments, as a single monthly payment alleviates stress and helps you stay financially organized. Plus, learn how this powerful strategy can accelerate your journey to financial freedom, allowing you to pay off debts faster and reach your financial goals sooner than you ever thought possible. Don’t let debt weigh you down—take the first step towards a brighter financial future today! -
5 tips for getting the best deal when trading in your carWhen it comes to trading in your vehicle, preparation is key to securing the best price possible. Start by understanding your car's current market value; this knowledge will empower you to negotiate confidently with dealerships. Next, make sure your car shines—thorough cleaning and routine maintenance can drastically enhance its appeal and, in turn, its trade-in value. Finally, don’t settle for the first offer that comes your way. By collecting multiple quotes from different dealerships, you can strategically leverage these offers in your negotiations, ensuring you walk away with the best deal. With these tips in hand, you're well on your way to maximizing your trade-in experience! -
5 things to know before taking out a caravan loanIn this blog post, we delve into the critical factors influencing your caravan loan, starting with the significant impact that interest rates can have on your overall financing and repayment strategy. We then guide you through evaluating loan terms to ensure they align with your financial health and long-term goals, highlighting the importance of choosing what works for you. Additionally, we shine a light on the often-overlooked hidden costs of optional extras when purchasing a caravan, empowering you to make informed decisions that maximize your investment. Whether you're a seasoned traveler or a first-time buyer, this comprehensive guide is designed to help you navigate the complexities of caravan loans with confidence. -
7 tax strategies for property investors ahead of the EOFYNavigating the world of property investment requires not just savvy real estate choices but also effective tax management to optimize your financial returns. In this blog post, we’ll explore the importance of understanding the tax landscape, highlighting common deductions that many investors often overlook, which can significantly enhance your overall profitability. Additionally, we’ll discuss why seeking expert advice is essential for maximizing your tax benefits, ensuring you not only comply with regulations but also leverage every opportunity available to elevate your investment strategy. Don’t leave money on the table; empower your property investment journey with informed tax insights! -
Inner melbourne leads property price surge after rate cutIn this blog post, we explore the remarkable property price growth in inner Melbourne and the factors fueling an increase in buyer confidence. From economic recovery post-pandemic to urban development initiatives and low interest rates, we delve into what makes this area an attractive prospect for investors and homebuyers alike. Additionally, we provide comparative insights, examining how inner Melbourne's property market stands up against other competitive markets, highlighting its potential for long-term value and appeal. Join us as we uncover the dynamics behind this thriving real estate hub. -
Investor activity reaches near-decade highs across australiaIn recent months, Australia has witnessed a remarkable surge in investor activity, reaching heights not seen in nearly a decade, with property markets buzzing from Sydney to Brisbane. However, Victoria finds itself in a unique position, lagging behind this national investment trend. As we explore the factors driving growing investor confidence—such as lower interest rates and increased demand for housing—we also examine potential shifts that could soon transform Victoria's market landscape. Will the state catch up to its counterparts, or will it continue to trail? Discover the insights that could redefine investment strategies across the region. -
How first home buyers can buy at auctionUnlocking the secrets of the property auction process can make all the difference in securing your dream home. In our latest blog post, we dive into essential market insights that will empower you to master the auction landscape, ensuring you're well-prepared for the competition. We’ll guide you through the financial maze with essential pre-approval and budgeting tips, helping you lay a solid foundation before you bid. Finally, experience the thrill of bidding with confidence as we share strategic tactics designed to position you for success. Equip yourself with the knowledge and strategies you need to navigate the auction excitement and emerge victorious! -
Understanding the pros and cons of personal loansPersonal loans can be a powerful financial tool, offering numerous advantages such as flexibility, quick access to funds, and the ability to consolidate debt. However, it's essential to weigh these benefits against potential downsides, such as higher interest rates and the risk of over-borrowing. In this blog post, we’ll delve into the key advantages of personal loans, highlight the pitfalls to be mindful of, and provide invaluable tips for finding the right loan tailored to your unique financial situation. Empower yourself with the knowledge you need to make informed decisions and achieve your financial goals with confidence.