Have you heard of the Nationwide House Energy Rating Scheme? ‘NatHERS’ is a star rating system (out of ten) that rates the energy efficiency of a home, based on its design. By providing a ‘measuring tape’ to estimate a home’s potential heating and cooling energy use, NatHERS helps to make Australian homes more comfortable for their inhabitants and also helps residents to save on energy bills through smarter […]

How do you know what you need to be saving on an ongoing basis? What is the magic number? Have a look at Kirsty’s video below to see her simple rule of thumb and learn all about ‘propensity’.

We have a very fast growing team here at Up Loans, and we’re all at different stages of our property journey, and to be honest, in life. Our youngest team member is 18 and our oldest won’t say how old she is, so as you can imagine we have a very wide and varied wealth of experience, especially when it comes to savings tips! ‘Buy less smashed avocado’ […]

Listen in as Kirsty and Georgie discuss a breakdown of how subject to sale works.   A few helpful links: For a blog detailing options for buying a property before you’ve sold your last one click here. For a blog to help you estimate your profits from sale click here.  

The first home Super Saver Scheme can be accessed by first home buyers and allows you to save money inside your super fund. To find out more information listen in as Kirsty and Georgie discuss.   A few helpful links: For a handy link to read further about the Super Saver Scheme click here. For a simple handout to read on Understanding the First Home Super Saver Scheme […]

Kirsty talks a little about the ability to substitute securities (ie: swapping which property secures a loan) here – for more queries, chat with your broker.

Listen in as brokers Carrie and Kirsty have a chat about the biggest myth in mortgage broking.  

In Tasmania as you may or may not be aware when you sign a Contract to Purchase property in the absence of additional clauses being added into the Contract to protect your interests (which will likely significantly affect your negotiating position) you accept the property entirely as is where is regardless of whether the property is subject to illegal building work, boundary encroachments by neighbouring property, outstanding council […]

When you fix a loan there are potential break costs if you wish to leave the loan early however it’s impossible to ascertain these upfront as: each bank has a different (complex!) formula for calculating the break costs they can change each day they’re related to what the fixed rates are at the time you want to break the loan ie if the fixed rates are higher you […]