Consumer articles of Interest

Please note: The finance articles are general in nature and should not be considered specific advice.

FROM BUST TO BOOM (pdf)

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First Home Loan Deposit Scheme snapshot (pdf)

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Buying a home when you’re self-employed (pdf)

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BE AWARE OF COMPARISON WEBSITES (pdf)

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Professions with perks (pdf)

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IMPACT OF OPEN BANKING TO YOU (pdf)

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180914 Financial services flyer (pdf)

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OPEN BANKING ARTICLE snapshot (pdf)

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How banks calculate loan risk (pdf)

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A PHONE CALL WHICH MAY SAVE YOU THOUSANDS (pdf)

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How to pay off your mortgage faster (pdf)

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Construction Loans explained (pdf)

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Five simple ways to increase loan repayments (pdf)

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Four things to know from your property-partner (pdf)

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Business articles of interest

SLASH YEARS OFF YOUR MORTGAGE (pdf)

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5 rules for funding your business plan (pdf)

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A simple guide to business loans (pdf)

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Signs that it is time to apply for a Business Loan (pdf)

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10 Steps for Business Success (pdf)

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20 traits of successful building companies (pdf)

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Property Articles of interest

5 tips for choosing a Property Manager (pdf)

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BUYING TO FLIP PROPERTY BASICS (pdf)

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NEGOTIATING WITH AGENTS (pdf)

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What to look for at an open house (pdf)

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Getting the biggest ROI on an investment property (pdf)

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How to decode a property advertisement (pdf)

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First Home Buyer's Guide

Establish what you can buy

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Working out what you can afford depends on how much you earn, how much you have saved & the type of property you want to buy.  There also needs to be a massive buffer for all the additional costs once you purchase!

What incentives can you get?

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Eligible first-home buyers can take advantage of state government grants, discounts and schemes as well as a federal government scheme to help save a deposit.

Before you start shopping

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Get a loan pre-approved through your Chocolate Money broker, thereby allowing you to go shopping for a house knowing your finances are sorted!

Let's go Shopping!!

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Finding the right property depends on what you are looking for; an apartment, townhouse or house? Find out how to inspect a property before purchase, essential checks you need to arrange, and how to review a contract.

Understanding the buying process

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Buying a property has a few more quirks than buying a jacket; learn how to do buy at auction or private sale.  Have your expert advisors lined up to assist you; including inspectors, solicitors and your Chocolate Money broker.

Settling & Moving in

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Understanding how settlement works and what needs to happen is as important as moving in!  Contact your expert Chocolate First Home Advisor who is skilled in helping you!