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Ellesmere Finance | News, Tips & Market Insights

Government expands Help to Buy scheme with higher caps

  • Power Your Business into the New Year with Equipment Finance
    The 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...
  • Buying a Home Over Christmas: How a Mortgage Broker Can Help You Navigate the Holiday Season
    While 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 home
    Open 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...
  • Government's ‘Help to Buy’ scheme set to begin

  • Essential service properties lead commercial market surge
    Commercial 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...
  • 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...
  • Commercial trends point to a strategic shift in 2025
    The 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...
  • Five reasons to buy an investment property before your first home
    For 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...
  • Mortgage brokers thrive as market share reaches new heights
    The 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...
  • 3 conversations couples should have before getting a home loan
    Purchasing 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...
  • 6 things to know about SMSFs and property
    Self-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...
  • 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 ...
  • Property market set for growth in 2025, stronger gains in 2026
    Australian 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....
  • Foreign investment drives Australian commercial property surge
    Australian 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,...
  • Elections have minimal impact on the property market
    In 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 caps
    In 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 consolidation
    Are 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!
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