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Do I need a salary to get a home loan?
Do I need a salary to get a home loan?

As of 2013, 17.2% of Aussie workers were self-employed. That’s around 2 million people. So, how do individuals without a regular pay check secure a mortgage? Is the process more challenging for them? And if so, how do sole traders get ahead?

We have the answers for Australians who run their own ship... Continued

June 16, 2018 by Sarah Robinson

Capita talks to Elite Broker Podcast
Capita talks to Elite Broker Podcast

Capita broker Adam Donald joined Editor of The Adviser, Annie Kane and Managing Editor of Mortgages, James Mitchell on an episode of Elite Broker, a podcast powered by The Adviser.

Adam was recently named WA’s best residential broker by The Adviser, and is a national finalist in the The Adviser Broking Awards for 2018 (in the Customer Service Award category)... Continued

June 11, 2018 by Sarah Robinson

5 tips for paying off ATO debt
5 tips for paying off ATO debt

According to finder.com.au, the average Aussie household is approximately $250,000 in debt (as of 2016). On top of this, the Australian Taxation Office (ATO) is owed $35.3 billion in overdue debts from the Australian public (2013-14 data).

What many Australians don’t realise is that there are methods of managing debt, which can help alleviate the burden and help you to pay it off more efficiently... Continued

June 02, 2018 by Sarah Robinson

How many mortgages can I have on a property?
How many mortgages can I have on a property?

The number of mortgages, which can be taken out on a single residential or commercial property in Australia is typically two.

It’s important to understand the pros and cons of taking out a second mortgage, if you’re considering doing so. We also recommend speaking with a qualified financial advisor about whether this is the best way forward for you. .. Continued

May 26, 2018 by Sarah Robinson

Brokers not the issue in Royal Commission
Brokers not the issue in Royal Commission

Mark Bouris of Yellow Brick Road recently told The Adviser that the first phase of Royal Commission hearings did not represent what was happening in the broking industry.

“It’s part of the maturity of brokers,” Bouris said. .. Continued

May 18, 2018 by Sarah Robinson

5 tips for getting a home loan
5 tips for getting a home loan

It’s no secret that the Australian Government is tightening the finance sector’s belt, with the recent Royal Commission taking no prisoners (especially among the Big Banks).

As a result, lenders are under pressure to comply strictly with ASIC regulations, which means it may become harder for borrowers to take out a home loan... Continued

May 11, 2018 by Sarah Robinson

Commission finds banks recommending own products was conflict of interest
Commission finds banks recommending own products was conflict of interest

The Banking Royal Commission has had a huge impact on the Australian finance sector, with developments happening faster than we can say ‘junk insurance’ (head here for the context).

We’ve taken time out to blog what’s been happening in the past month, so you’re up to speed on the investigation. .. Continued

May 04, 2018 by Sarah Robinson

Celebrating Best Brand in WA with our people!
Celebrating Best Brand in WA with our people!

We are excited to share that last month Capita took home the award for WA’s Best Branded Office at The Adviser Better Business Awards 2018.

The award means a whole lot to us, since we dedicated a large portion of 2017 to making ourselves look and feel more accessible and valuable to our clients... Continued

April 27, 2018 by Sarah Robinson

Most affordable homes in Australia have highest growth
Most affordable homes in Australia have highest growth

New data from property researchers CoreLogic has found buyers in Australia are shying away from blue-chip ‘luxury’ homes. 

CoreLogic’s ‘Stratified Hedonic Home Value Index’, sorts the property market according to affordability, with the cheapest 25% at the bottom, the middle 50% and the priciest 25% of properties at the top... Continued

April 20, 2018 by Sarah Robinson

Will rates rise in Australia?
Will rates rise in Australia?

Interest rates have stayed on hold in Australia for a record period of time, but finance heads speculate this could change thanks to an increase in global interest rates.

In March, Former Treasurer Peter Costello told the Urban Development Institute of Australia (UDIA) that as a nation, our economy is vulnerable to increasing global interest rates... Continued

April 17, 2018 by Sarah Robinson



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