ALCHEMY ARTICLES & GUIDES
Whether you are thinking about purchasing your first home, taking out a personal loan, investing in a property or selling one. Alchemy Brokers have the experience and resources to assist you on your journey, whatever it may be.
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Bank vs. Broker
When it’s time to apply for a mortgage do you know what to do? Don’t just walk into the closest bank. Mortgages are long, serious financial relationships and you need to make an educated choice. Bank managers want to sell you their home loan offers, no matter if it’s right for you or not.
A Step by Step Guide for First Homebuyers
Buying your first home can be quite an overwhelming experience. To help ease the process, we have developed a step by step guide for first home buyers so you know just what to expect each step of the way.
Selling Your House: Private or By Auction
Selling your home private or at auction, like any other action, has its pros and cons. When deciding which one is the right route for your home, you’ll need to consider both the lengths of the lists and the weight of each item on it. Start contemplating with the list below
Should I Refinance My Personal Loan?
We’ve talked about how hard it is to go from renting to finally owning your home. There are home loans, mortgages, and probably some debts you’re still working on paying off. If those debts exist as personal loans, it may be in your best interest to refinance them
Choosing the Right Home Loan
There are various types of home loans on the market, all offering differing rates and features. It is important to understand the benefits of each in order to make an educated decision on which path to take.
Self Employed Loans: Document Tips
When you’re self-employed, applying for home loans seems intimidating as you don’t have official proof of income. It doesn’t have to. Most Australian banks are happy to lend to non-traditional workers, you just have to know the process.
Tips to Take You From Renting to Buying
We’ve all been imagining our dream homes since we were kids. For some people, it’s a big house on some property in the country. For others, it’s a spacious apartment overlooking Bondi Beach. It doesn’t matter what it is if you can’t see yourself financially achieving it. How do you manage to pay rent every month and save up for a down payment?
Tips to Repay Your Mortgage Quicker
Mortgages are long, financial relationships and a debt that most would like to repay as quick as they can. We have a few tips below on how to end this relationship, sooner rather than later.
Investing in Property: A Step by Step Guide
While this isn’t your first time buying a property, the process isn’t necessarily the same when investing in property. We have listed this process below to help you along the way.
Tips to Buy Your Second Investment Property
A mortgage offset account can save interest on your loan. Your mortgage is linked to a savings account into which your salary and other cash can be deposited and from which you withdraw to pay bills, credit cards, etc. For the period of time money sits in this account, it is ‘offset’ against your loan and so reduces your interest bill.
3 Things Every New Landlord Needs to Know
Buying your first investment property is exciting, but it also comes with new responsibilities. When you’re on your L-plates as a new landlord, it’s important to be aware of your rights and obligations and those of your tenants. Here are some of the essential things that you should know.
Is Now the Right Time to Buy Your First Home
If you’ve been dreaming about purchasing your own place, but a niggling voice in the back of your mind has been offering up objections, we’re here to tell that voice to pump the breaks, champ! In this article, we tackle some of the common objections first-home buyers may have to buying right now, and explain why you should talk with us today.
Best Apps to Track Your Savings and Manage Your Mortgage
Whilst people love complaining over a turmeric latte and a gluten free toasted sandwich that dependency on our phones has grown to an unhealthy point, there’s no denying that they make our lives infinitely easier. We are firm believers that you should put your phone down at the dinner table (and pick it up when you’re posting photos of your turmeric latte and rye bread), but we also believe that there’s no harm in employing the help of a few apps to help you save the money, to pay for your soy latte and food on said dinner table
Is Commission a Dirty Word
We all know there is one ‘c’ word you should never say but what about ‘commission’, is it a dirty word? The word commission is usually associated with negative connotations, it can make consumers cringe quicker than your kids can say “stop commenting on my facebook photos, dad”, and this is true in the broker industry as well. People seem to think that mortgage brokers will only set a loan that they have a vested interest in. But this is not the case in the slightest.