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Silly season aftermath - How to get through it!

It seems to be so easy to accumulate short term debt over the Holiday period. It's a care-free time and it's a little bit too easy to put everything on finance. But then late January hits, and you need to start making repayments - suddenly putting things on credit doesn't seem like such a good idea. Once you've spent the money its done, but how can you make your newly accumulated short-term debt feel less crippling.

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Marks on your credit score? Home Ownership is still an option!

Having an imperfect credit-score can make home ownership seem like dream. But that's not necessarily the case. Your credit score and your financial history has a huge impact on your lending ability. Anything unpaid can result in a mark on your credit score - unpaid credit cards, invoices, personal loans, household bills...

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HOW TO MAKE AN OFFER (PART 4)

#howtomakeanoffer Part Four: What do I pay for a deposit?

 

If you offer has been accepted (Awesome!) and you have gone unconditional (you have met all of the conditions on your sale and purchase agreement) you will be required to pay a deposit. The deposit is part of the sale and purchase agreement that you signed at the start -and that is what you are bound to. So how do you know what to pay? 

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SHOULD YOU BUILD OR BUY? (PART 2)

A home is usually the single largest investment that you will make in your lifetime. Most buyers tend to spend a great deal of time and energy searching for or designing "the perfect home", even before signing any contracts!

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SHOULD YOU BUILD OR BUY? (PART 1)

A home is usually the single largest investment that you will make in your lifetime. Most buyers tend to spend a great deal of time and energy searching for or designing "the perfect home", even before signing any contracts!

Read more ...

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