Welcome to the home buying game.
Before you start spending your weekends rummaging through other people's wardrobes, here are a few things you should know.
No one is on your side, even if they're really friendly.
Everybody has an agenda and it's not the same as yours - they're there to squeeze you for every penny.
The property market is geared against buyers.
It's all about getting the best price for the seller - big surprise, aye.
The market is full of crazy people doing crazy things.
And they're willing to pay more for a property than you are. Crazy.
Got a different question?
The right mortgage equals more money.
Rather than just letting it tick along, actively managing your mortgage could be the difference between retiring, and retiring to your super yacht.
The devil's in the detail.
When we're talking hundreds of thousands of dollars, fraction of a percent change in interest or repayment rates can save you a packet.
The banks will do anything to make you choose them.
Don't fall for their free-tv-1000-cash-back-free-groceries-for-a-year trickery - choose the right mortgage, and you'll be able to buy your own TVs.
It costs you nothing to ask the question.
There aren't many things in life that are free, but getting your mortgage reviewed is one of them.
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More properties, less work.
If you're just starting out in the investment game or looking to build your empire (evil or otherwise), there are a few things you should know.
Investing in property is different to buying your own home.
We'll help you spot properties that will be good earners and help you avoid ones you just secretly want for yourself.
Your bank manager works for the bank.
It may seem obvious but it pays to remember that bank managers are paid to look after the bank's interests - there's only so much they can do to help you.
Get your ducks in a row so you can jump on the right deal.
If you've got all the legal and financial stuff sorted early you'll get in first on the great properties. Almost makes you feel sorry for everyone else. Almost.
Got a different question?
