Kathryn Lee
When should you refinance?
Refinancing your mortgage comes with many advantages, but it’s not always the right choice for every homeowner at any given point in time.
Kathryn Lee17 Aug 2021 | 22 min read
Bunnings DIYs to Get You Through Self-Isolation
Got a bunch of spare time on your hands? We've pulled together a list of DIY ideas to get your through this COVID-19 induced self-isolation.
Kathryn Lee02 Aug 2021 | 7 min read
Breaking up a mortgage after the break-up: eChoice’s guide to home loans and divorce
Confused about how to move forward with your mortgage after a divorce? Here's everything you need to know.
Kathryn Lee01 Aug 2021 | 10 min read
Top Tips For a Complete Backyard Makeover
From a family backyard cricket pitch to the entertainer's pad; everyone's backyard needs are unique. Here's how to make your backyard work for you.
Kathryn Lee30 Jul 2021 | 5 min read
Can you salary sacrifice a mortgage?
If you’re saving for your first home or wanting to boost your retirement savings, salary sacrificing could help put money back into your pocket.
Kathryn Lee29 Jul 2021 | 7 min read
How to calculate capital gains tax
Unsure of how to calculate capital gains tax for your property in Australia? We’ve got you covered with eChoice’s ultimate guide to the capital gains tax.
Kathryn Lee29 Jul 2021 | 13 min read
How to make an offer on a house
You've found your dream home and are ready to make an offer - but where do you start? Here's how to submit your offer to the agent or vendor.
Kathryn Lee12 Jul 2021 | 16 min read
Buying a home? Here’s what you need to know about the loan to value ratio
Learn what loan to value ratio means and how to calculate LVR yourself.
Kathryn Lee25 Jun 2021 | 8 min read
First Home Buyers Grant: Everything you need to know
First introduced by the government in 2000 but notorious for chaning its conditions, here is everything you need to know about the first home owners grant.
Kathryn Lee11 Jun 2021 | 9 min read
RBA rates remain steady, so why are fixed home loan rates increasing?
Despite the official interest rate predicted to remain steady for some time, 4-year fixed-term rates are on the rise. What does this mean for borrowers?
Kathryn Lee04 May 2021 | 4 min read
Record number of Australians thinking about buying property
A record number of Australians are actively thinking about buying property. Property prices are still on the up, but here are a few details on buying a home.
Kathryn Lee22 Apr 2021 | 4 min read
RBA Low Rates Remain Despite Surging House Prices
The RBA says the official interest rate is likely to remain low until 2024. Meanwhile, lending interest rates are low and house prices are surging.
Kathryn Lee06 Apr 2021 | 5 min read
10 Tips to Help You Save For a Home Deposit
When it comes to buying a home, the biggest challenge many people face is saving enough for the deposit. But by making changes to your spending, you'll soon discover it's not as difficult as you first...
Kathryn Lee25 Mar 2021 | 7 min read
RBA low cash rate remains, but for how long?
The RBA has once again put a hold on interest rates, leaving the cash rate at 0.10%. Despite this, markets are indicating a hike in interest rates could be sooner than expected.
Kathryn Lee02 Mar 2021 | 4 min read
Everything you need to know about home and contents insurance
Reportedly, 66% of Australians don't have home and contents insurance, but when disaster strikes, those uncovered are left largely out-of-pocket. If insurance talk leaves you in a daze, this is the gu...
Kathryn Lee08 Feb 2021 | 12 min read
RBA holds as Housing Market Braces for Possible 30% Jump
Rates will stay on hold following the RBA's first meeting of the year. Meanwhile, new analysis suggests house prices may rise 30% over the next 3-years.
Kathryn Lee02 Feb 2021 | 4 min read
Questions to Ask Your Mortgage Broker Before Signing
You wouldn't get into business with someone without knowing them first. A mortgage broker should be the same. Here are 21 questions to ask before signing.
Kathryn Lee22 Dec 2020 | 8 min read
Understanding Lenders Mortgage Insurance (LMI)
Struggling to understand Lenders Mortgage Insurance (LMI)? Learn what this extra cost could mean for your mortgage and why you might need to pay it.
Kathryn Lee17 Dec 2020 | 7 min read
How to find your bank statements for your mortgage application
Technology can get the best of all of us at times, so we've put together this handy guide for finding your bank statements for your mortgage application.
Kathryn Lee08 Dec 2020 | 14 min read
Australian property market still booming, despite the recession
Despite the recession Australia has entered, the property market crashing fears are looking up as experts explain the booming property market.
Kathryn Lee22 Nov 2020 | 6 min read
Could now be the right time to invest in property?
Consumer confidence in the housing market is up and ABS data showed an increase in new lending over August. Could now be the right time to invest?
Kathryn Lee19 Nov 2020 | 8 min read
Australian house prices outperform wage growth
A comparison of Domain house price data and ABS wage figures has revealed Australian house prices outperformed wage growth last financial year.
Kathryn Lee16 Nov 2020 | 7 min read
Auction market not heavily impacted by COVID-19
The September quarter hinted at a recovering auction market, with CoreLogic recording an increase in both auction volumes and clearance rates.
Kathryn Lee15 Nov 2020 | 6 min read
10 signs you’re financially healthy
From spending less than you earn to having an emergency cash fund, this definitive list is the only health check your finances will ever need.
Kathryn Lee11 Nov 2020 | 5 min read
Australia’s Property Market Ranks in Top 20 for House Price Growth
Australia's property market has ranked nineteenth in the world according to the latest Knight Frank Global House Price Index.
Kathryn Lee09 Nov 2020 | 9 min read
RBA November Cash Rate Drops to New Low 0.10%
The official cash rate has been lowered by 15 basis points to 0.10% following the RBA November monetary policy meeting. It is the lowest it has ever sunk.
Kathryn Lee03 Nov 2020 | 5 min read
Construction home loan rates cut
Lenders have been cutting their rates for construction loans to appeal towards the HomeBuilder scheme and lure prospective home loan customers.
Kathryn Lee27 Oct 2020 | 7 min read
Unemployment figures take an unexpected drop
The August unemployment rate took an unexpected 0.7 pts drop to 6.8% despite its previous continual rise due to the economic impacts of the coronavirus.
Kathryn Lee26 Oct 2020 | 8 min read
Land buyers flock to Perth
Perth is proving popular with land buyers. Recent data from UDIA Western Australia revealed the city achieved 3,322 new lot sales over the June quarter.
Kathryn Lee22 Oct 2020 | 6 min read
Construction Slowdown Could See Tradies Leave Victoria
The coronavirus induced slowdown of the Victorian construction industry could see tradies leave Victoria for work opportunities.
Kathryn Lee21 Oct 2020 | 5 min read
Issues to look for when buying an older house
If you're wanting to buy an older property for it's historic beauty, but don't know about the issues you might incur? This will help you out.
Kathryn Lee20 Oct 2020 | 8 min read
RBA October Cash Rate Remains on Hold
The official cash rate has remained on hold at 0.25% following the Reserve Bank of Australia (RBA) October board meeting earlier today.
Kathryn Lee06 Oct 2020 | 4 min read
Has the HomeBuilder scheme improved housing sales?
Three months on, we look at the effectiveness of the Morrison government's HomeBuilder scheme and whether it has impacted housing sales.
Kathryn Lee02 Oct 2020 | 7 min read
No deposit home loans: Can you really get a mortgage with no down payment?
Can you really buy a house with no money out of pocket? Read on for everything you need to know about no deposit home loans.
Kathryn Lee01 Oct 2020 | 9 min read
Regional Properties Popular as COVID-19 City Exodus Continues
COVID-19 appears to have amped up the popularity of regional property as property sales and rental enquiries in regional centres skyrocket.
Kathryn Lee01 Oct 2020 | 7 min read
Pros and Cons of Buying a House to Flip
For creative and hands-on types, house flipping can be a fun way to invest. Before you jump in, here are the pros and cons of buying a house to flip.
Kathryn Lee30 Sep 2020 | 8 min read
Building a home? Your guide to the HomeBuilder Grant
Thinking of buying or renovating a home? Here’s everything you need to know about the government’s $25,000 HomeBuilder grant.
Kathryn Lee21 Sep 2020 | 16 min read
RBA cash rate remains unchanged 6 months on from historic cut
At its September meeting the RBA elected to once again leave rates on hold, leaving the official cash rate unchanged at 0.25%.
Kathryn Lee01 Sep 2020 | 5 min read
$195 billion worth of home loan repayments deferred due to COVID-19
New data reveals that 1 in 9 Australian home loan holders have chosen to defer their mortgage repayments through COVID-19 induced repayment holidays.
Kathryn Lee10 Aug 2020 | 4 min read
RBA cash rate continues to remain on hold
The Reserve Bank of Australia (RBA) has elected to once again hold monetary policy, leaving the cash rate at 0.25%, where it has sat since mid-March.
Kathryn Lee04 Aug 2020 | 6 min read
What is Comprehensive Credit Reporting and why could my credit rating change?
As of last week, the four major banks have uploaded their data so Comprehensive Credit Reporting (CCR) is now in full swing and credit scores are set to change.
Kathryn Lee21 Jul 2020 | 5 min read
Open banking officially launched
Open banking - a data-sharing revolution - has launched in Australia and major bank customers are the first to have access to possible better deals.
Kathryn Lee09 Jul 2020 | 6 min read
RBA Cash rate holds amid historic economic downturn
The cash rate has held at 0.25% as the economic downturn continues and more Australians take advantage of low-interest rates through refinancing.
Kathryn Lee07 Jul 2020 | 5 min read
Australia’s AAA Credit Rating Reaffirmed
Australia's AAA credit rating has been reaffirmed by global ratings agency Moody's, giving confidence to Australia's economic outlook.
Kathryn Lee30 Jun 2020 | 4 min read
What is a debt consolidation home loan – and how can it help you manage your debts?
If you’re juggling a few debts, a debt consolidation home loan might help you keep your head above water. Here's how to get one - and the pros and cons.
Kathryn Lee17 Jun 2020 | 10 min read
RBA declares rate hold but urges banks to increase lending
The RBA has held firm in its rhetoric, today electing to hold the official cash rate at 0.25%, where it has sat since the emergency cut in mid-March.
Kathryn Lee02 Jun 2020 | 8 min read
How do guarantor loans work?
Having trouble getting a lender to approve your home loan application? A guarantor loan could be the answer you've been looking for.
Kathryn Lee01 Jun 2020 | 11 min read
Buying property in a Trust
An alternative to the standard way of doing things, buying property through a trust can offer lots of tax incentives and advantages to the right candidate.
Kathryn Lee28 May 2020 | 7 min read
The Guide to Property Investment
Thinking of buying an investment property in Australia but aren’t sure where to start? Or perhaps you want to know how much you can borrow for an investment loan? Check out eChoice’s handy guide
Kathryn Lee18 May 2020 | 10 min read
Refinancing in tricky situations
Refinancing is a popular way to improve your home loan deal and save money, but what if you have bad credit? Your guide to refinancing in tricky situations.
Kathryn Lee15 May 2020 | 6 min read
All Arms of Public Policy Are Working Together – RBA
The RBA has once again held rates as the "national-bridge-building-task" continues with its aim to ensure ongoing credit availability.
Kathryn Lee05 May 2020 | 6 min read
Want to get off the grid? Build your very own tiny house
Tiny houses have been gaining popularity for a reason. Small, sustainable and functional, here's everything you need to know about the trend, including how to get yours.
Kathryn Lee18 Apr 2020 | 7 min read
ABA Confirms COVID-19 Repayment Holidays Won’t Impact Credit History
Kathryn Lee14 Apr 2020 | 5 min read
No more cuts: RBA declares cash rate reached “effective lower bound”
At today's meeting, the RBA declared it would be holding rates, and we are unlikely to see further cuts. As for the future, it could be "several years" before rates rise.
Kathryn Lee07 Apr 2020 | 4 min read
Repayments deferred but not forgotten: the truth about mortgage holidays
Repayment holidays can help you to put a freeze on home loan repayments, offering a reprieve to those suffering Covid-19 induced financial hardship. But what do they really mean?
Kathryn Lee26 Mar 2020 | 6 min read
10% higher prices for energy efficient homes
Not only can energy-saving home features shave some dimes off the quarterly energy bill, but new figures reveal they can increase the value of a home
Kathryn Lee18 Mar 2020 | 6 min read
New Record Low: Cash Rate Drops Amid Virus Threat
The RBA has announced that they will be easing monetary policy, dropping the official cash rate to a new record low, 0.50%.
Kathryn Lee03 Mar 2020 | 2 min read
Forget the green thumb: 5 House plants that won’t die
Not all of us can be botanists, but that doesn't mean we shouldn't be able to enjoy a touch of greenery. The top-five plants for those void of a green thumb.
Kathryn Lee17 Feb 2020 | 5 min read
How to refinance your mortgage to buy an investment property
Even if you have a home loan, it's still possible to invest. Refinance your current property and use the equity to start building your portfolio.
Kathryn Lee13 Feb 2020 | 4 min read
Australia’s most cycle-centric cities
Ever thought about cycling to work? Besides being good for the environment, as well as your hip pocket, it’s also gaining popularity in cities around Australia.
Kathryn Lee11 Feb 2020 | 4 min read
Good health could be as simple as popping next door
Do you know your neighbours? Shockingly, 50% of us actively avoid them. But with loneliness now classed a major health issue, could the solution be as simple as popping next door?
Kathryn Lee10 Feb 2020 | 4 min read
Increased Employment Holds Back RBA Rate Cut
At its first meeting of the year the RBA today announced it would be pressing pause on a cash rate cut, leaving the official cash rate at 0.75%. But after months of speculation of a drop, as well as o...
Kathryn Lee04 Feb 2020 | 4 min read
Make your home sustainable
After recent extreme weather events, many of us are beginning to investigate how we can live more sustainable lifestyles. They say it all starts in the home; so here's to starting!
Kathryn Lee03 Feb 2020 | 4 min read
Banks pull early trigger on rate cuts
Although traditionally coinciding with RBA decisions - and despite the likelihood of a held cash rate - big banks and small lenders alike have pulled the early trigger on home loan rate cuts.
Kathryn Lee30 Jan 2020 | 5 min read
What to know about refinancing during retirement?
Significantly more Australians are retiring with debt, making refinancing during retirement more relevant than ever - however, historically it's much harder.
Kathryn Lee28 Jan 2020 | 4 min read
Guru Guide: Investment property rules to live by
Despite what you might think, saving for the deposit is not necessarily the hardest part of property investment. Your guide to the rules of househunting.
Kathryn Lee23 Jan 2020 | 7 min read
ABS data shows growth in housing lending
ABS results released last week show that housing lending grew over November, despite first home buyer loan commitments falling. What does this mean for the 2020 housing market? Is it finally back?
Kathryn Lee21 Jan 2020 | 4 min read
Open banking delayed ’til July 2020
Despite original plans for it to begin next month, due to security concerns open banking (or Consumer Data Right) has been pushed back to start July 2020.
Kathryn Lee20 Jan 2020 | 3 min read
Weather this week boosts consumer confidence from 4-year low
After a devastating start to the year, it was hard to feel positive, and consumer confidence fell to a 4-year low. But with the past week's milder weather, it appears things are looking brighter.
Kathryn Lee17 Jan 2020 | 4 min read
West is best: Melbourne’s most convenient western suburbs
Fancy living walking distance to some of Melbourne's trendiest cafes? How about the iconic Williamstown beach? Take a trip across the water and behold Melbourne's most convenient western suburbs.
Kathryn Lee15 Jan 2020 | 5 min read
Big Four Banks Rush to Bushfire Aid
As bushfires continue to devastate our country, the outpouring of support has been inspiring. Celebrities, individuals, small business and even the Big 4 Banks have contributed to recovery efforts.
Kathryn Lee14 Jan 2020 | 5 min read
First Home Loan Deposit Scheme explained
The First Home Loan Deposit Scheme is now in effect, starting from 1 January 2020. The government – backed scheme is designed to help Australians get into their first home sooner. Here's everything ...
Kathryn Lee07 Jan 2020 | 5 min read
2020 Property Market Wish List
Although 2019 has given property investors low-interest rates and good lending conditions, 2020 is another year. How are things looking for the year ahead?
Kathryn Lee30 Dec 2019 | 4 min read
The most ‘walkable’ suburbs of Sydney’s inner west
Yearning to live walking distance to the cutest cafes and hippest bars Sydney has to offer? Look no further: the most walkable suburbs of inner west Sydney.
Kathryn Lee24 Dec 2019 | 5 min read
A year in review: Housing demand increases after rate cuts
2019 saw the cash rate drop to its lowest value on record: 0.75%. Now, market conditions seem to be loosening. Housing demand is high and prices are up - and rising. Join us for a year in review.
Kathryn Lee19 Dec 2019 | 4 min read
The un-bee-lievable benefits of beekeeping
A lucrative hobby, beekeeping can help keep you in good health, all while providing you with food - and for surprisingly little work!
Kathryn Lee18 Dec 2019 | 5 min read
ASIC’s new responsible lending guidelines aim to provide clarity on credit
In a move to reduce ambiguity between banks and other lenders, ASIC has released new guidelines regarding responsible lending laws.
Kathryn Lee12 Dec 2019 | 3 min read
Why should you consider buying a house rather than renting?
Is it better to buy a house, rather than renting? While they both have their advantages, buying generally wins out. In some cases, it can even be cheaper.
Kathryn Lee11 Dec 2019 | 7 min read
Sydney’s secret(ish) beaches
Known for its outdoor lifestyle, warm weather and tanned people, it's no wonder Sydney has an abundance of beaches to visit. Here are the secluded ones.
Kathryn Lee10 Dec 2019 | 4 min read
Your guide to a complete home renovation
Your style-guide to renovating every room of your house to the stylish oasis of your dreams. Renovation tips for the kitchen, bathroom, spare room and more.
Kathryn Lee05 Dec 2019 | 15 min read
Record highs predicted for 2020 housing market
November sales figures are out and housing prices have increased in all capital cities, except Darwin. What could this mean for buyers in the 2020 market?
Kathryn Lee04 Dec 2019 | 3 min read
RBA December Cash Rate Announcement: A gentle economic turning point
Amidst calls from economists that the economy is in need of a boost, the RBA has decided to keep the official cash rate on hold for December, at 0.75%.
Kathryn Lee03 Dec 2019 | 4 min read
Can I save for a home loan with a single income?
Whether you’re a single mum, dad or the sole breadwinner, here’s everything you need to know about how to seek a home loan approval with a single income.
Kathryn Lee02 Dec 2019 | 4 min read
What first-home buyers should know about the Melbourne housing market
The latest information on the Melbourne housing market, including current grants as well as economic conditions. Everything first home buyers need to know.
Kathryn Lee28 Nov 2019 | 4 min read
Christmas debt could hinder home loan plans
The figures are in and Christmas spending is expected to rise this festive season, but how could small debt gained during the period impact loan approval?
Kathryn Lee27 Nov 2019 | 3 min read
Trust to be the backbone of open banking’s success
Open banking is the next phase of the move to increase competition in the financial sector. For consumers, the move will make it easier to share data. But will it work?
Kathryn Lee26 Nov 2019 | 5 min read
Buying a property with family and friends: the pros and cons
Reducing the cost of a property purchase can be enticing, but here are some factors to keep in mind before entering into a venture with family or friends.
Kathryn Lee20 Nov 2019 | 3 min read
Who pays the mortgage broker for your home loan application?
Kathryn Lee19 Nov 2019 | 3 min read
Why property ownership is vital to a secure retirement
More and more Australians are retiring with a mortgage or working longer to pay it off. Here's why property ownership is vital and how to achieve it.
Kathryn Lee15 Nov 2019 | 4 min read
Personal questions brokers ask before approving your home loan
Since the Royal Commission, banks and lenders have been asking far more invasive questions before granting home loan approval. Don't get blind sighted - find out what they want to know with this guide...
Kathryn Lee08 Nov 2019 | 7 min read
How personal loan debts are jeopardising first home buyers
Engagements are a happy time, but if you're planning on taking out a personal loan to secure the ring, be warned it could affect your home loan chances.
Kathryn Lee06 Nov 2019 | 4 min read
RBA Holds Rate Cut as Property Battle Looms
Managing your home loan repayments with a family to take care of can be hard. Take control of your finances with these tips to help you budget both.
Kathryn Lee04 Nov 2019 | 4 min read
How to budget your home loan with a family
Managing your home loan repayments with a family to take care of can be hard. Take control of your finances with these tips to help you budget both.
Kathryn Lee31 Oct 2019 | 3 min read
What credit score do I need to buy a house?
Your complete guide to credit scores and how they can affect you buying a house.
Kathryn Lee30 Oct 2019 | 4 min read
Aussies race to buy before house prices return to peak
If low house prices seemed to good to be true - it's because they were. House prices are back on the rise, but there's still time to cash in while it's hot.
Kathryn Lee18 Oct 2019 | 4 min read
Australia’s Economic Growth Worse than Greece
Australia's economic growth found to be weaker than previously imagined as headwinds from the US-China trade war and Brexit stunt economic growth.
Kathryn Lee17 Oct 2019 | 3 min read
Banks welcome ACCC Investigation
ANZ, NAB, and Westpac have all welcomed the news of an Australian Competition and Consumer Commission (ACCC) investigation into banking.
Kathryn Lee16 Oct 2019 | 3 min read
Boost in spending intentions driving housing market
With tax returns coming in, here's how Aussies will be spending the extra cash and what this means for the housing market.
Kathryn Lee16 Oct 2019 | 4 min read
Is it better to find a long term tenant or Airbnb my property?
Is Airbnb better than a long – term tenant or is it too good to be true? We breakdown the factors that can make or break your profitability on Airbnb.
Kathryn Lee02 Oct 2019 | 6 min read
How gambling could affect home loan approval
Home loan applicants may be surprised at what can affect their borrowing power. Gambling, Netflix, and IVF plans have all affected borrowers in the past.
Kathryn Lee01 Oct 2019 | 4 min read
RBA October Rate Cut to Boost Home Values Despite High Unemployment
The Reserve Bank Of Australia has dropped interest rates due to current employment rates which economists believe will boost increasing home prices.
Kathryn Lee27 Sep 2019 | 5 min read
Do you know your home loan rate? 36% of Aussies have no idea
Whether you're buying your first home, your next home or an investment, it's important to understand the interest rates that apply to your home loan.
Kathryn Lee26 Sep 2019 | 4 min read
The interest rate war: what it means to consumers
Cutting the cash rate has left lenders competing for your business, some offering the lowest rates ever recorded. Here's what that means for consumers.
Kathryn Lee24 Sep 2019 | 4 min read
Mixed Predictions for Spring Property Market
Spring usually marks the beginning of a popular time to buy and sell. But, with mixed messages so far, should buyers have remain tentative?
Kathryn Lee24 Sep 2019 | 4 min read
Neobanks and the digitisation of banks: a crash course
When was the last time you visited your bank? With neobanks operating entirely online, you may not need to visit one ever again.
Kathryn Lee18 Sep 2019 | 4 min read
Top tips to take advantage of low mortgage rates
By now you've probably heard of the cash rate cuts, but have you made the most of the competitive rates? Here are some tips to help you get out ahead.
Kathryn Lee18 Sep 2019 | 3 min read
Recession housing price discussion overlaps rate hold
Despite predictions of cuts in the coming months, the RBA has decided to leave the official cash rate on hold for September. At the same time, many economists are frantic at the prospect of a looming ...
Kathryn Lee03 Sep 2019 | 5 min read
What to do with your spare room
Forego the guest bedroom and get inspired with these practical and aesthetically pleasing designs.
Kathryn Lee27 Aug 2019 | 5 min read
Don’t expect wages to increase this year, but more rate cuts predicted
Kathryn Lee09 Aug 2019 | 3 min read
How to work out your non–negotiables when buying your first property
Discover the best tips and tricks to ensure your home will satisfy your needs long after settlement. We help you understand what your non-negotiabes are.
Kathryn Lee06 Aug 2019 | 4 min read
How to overcome first home buyer fears
From intimidating jargon to property commitment issues, we walk through the most common fears felt by first home buyers and how to overcome them.
Kathryn Lee06 Aug 2019 | 4 min read
National house prices rise as the RBA holds, but for how long?
RBA have decided to hold the current cash rate at 1.00% - as national dwelling prices rise - but what brought on the rise and how long will it last? eChoice examines.
Kathryn Lee06 Aug 2019 | 5 min read
Here are all the winners of the 2019 Houses Awards
2019 House Awards winners announced! Have a look at some of the best and most stunning residential design Australia has to offer.
Kathryn Lee30 Jul 2019 | 5 min read
Cryptocurrency 101
With cryptocurrencies like Bitcoin, Litecoin and Ethereum becoming more mainstream, some of us are still here wondering how cryptocurrency is earned, saved or spent. More recently, we are left asking ...
Kathryn Lee23 Jul 2019 | 4 min read
What is my borrowing capacity?
Wondering how much to borrow or what amount is even available to you? In this guide we break down the common questions around borrowing power.
Kathryn Lee23 Jul 2019 | 14 min read
What does rental yield mean and how does it affect capital growth?
What does rental yield mean and how does it affect capital growth? eChoice gives you the lowdown.
Kathryn Lee23 Jul 2019 | 9 min read
APRA loosens rules on residential mortgage lending
Securing a mortgage becomes easier as APRA announces it will relax loan assessment guidelines.
Kathryn Lee17 Jul 2019 | 3 min read
How the government’s income tax changes will affect you
You may already be aware of the government's tax rebates, but don't forget to brush up on how the rest of the information will affect you in the future.
Kathryn Lee10 Jul 2019 | 3 min read
How to reorganise your pantry without tearing apart your kitchen
There's nothing more satisfying than a perfectly curated pantry when you're looking to whip up a culinary storm.
Kathryn Lee08 Jul 2019 | 4 min read
How you could be mortgage-free in less than ten years
This woman didn't need big bucks to be mortgage-free in seven years. Here's how she did it.
Kathryn Lee05 Jul 2019 | 4 min read
The Barefoot Investor phenomenon: Our review
Scott Pape's the Barefoot Investor has formed a cult-like following, with many Australians swearing by it as their bible for financial success.
Kathryn Lee03 Jul 2019 | 4 min read
The RBA interest rate announcement and Australian Housing Affordability report coincide, as rates drop
Australian housing affordability is the best it’s been since 2016, and the cash rate is the lowest ever. Find out how these significant announcements are linked.
Kathryn Lee02 Jul 2019 | 5 min read
Your end of financial year checklist
With the end of the financial year drawing to a close, it is the ideal time to get your finances in order before the tax man comes knocking.
Kathryn Lee27 Jun 2019 | 5 min read
How to pack your boxes when moving house
Packing up an entire house can be daunting, so we've collated our packing tips to ensure a smooth, easy and breakage-free move.
Kathryn Lee26 Jun 2019 | 5 min read
Can I get a home loan if I’ve got a new job?
If you've landed your dream job and market conditions are right, you may be itching to dive headfirst into property investment; but is it possible?
Kathryn Lee25 Jun 2019 | 5 min read
New research has found housing affordability is at its best since 2016
New research has found housing affordability is at its best since 2016, with some cities faring better than others.
Kathryn Lee19 Jun 2019 | 6 min read
What is a cooling-off period?
A cooling-off period can allow you to back-out of a property purchase, even if you're already signed the contract. Join us as we explain how they work.
Kathryn Lee15 Jun 2019 | 7 min read
Creative ideas to help you make extra money from your property
From living with short-term tenants to leasing that car spot you never use - here are some sure-fire (and creative) ways to earn a little extra cash from your property.
Kathryn Lee12 Jun 2019 | 4 min read
Your guide to the First Home Owner Grant in Tasmania
With the TAS First Home Owners Grant limit set to revert back from $20,000 to $10,000 in July 2020, there's no better time to buy in this state.
Kathryn Lee07 Jun 2019 | 8 min read
How to get a home loan on maternity or parental leave
When you're on maternity leave and trying to get into the property market, things can get a bit complicated.
Kathryn Lee06 Jun 2019 | 10 min read
Unemployment rise forces RBA’s first cash rate movement in more than two years
Economists say that this may be the first of many cuts to come. If unemployment and inflation continue to stall, then a further rate cut or two may occur.
Kathryn Lee03 Jun 2019 | 5 min read
Economists agree several cuts to the RBA interest rate could be looming
The Reserve Bank of Australia (RBA) appears prepared to drop official interest rates in June, potentially making it the first variation since August 2016.
Kathryn Lee29 May 2019 | 3 min read
Your guide to the First Home Owner Grant WA
Each Australian state and territory has its own version of the FHOG - here's your in-depth guide on the First Home Owner Grant Western Australia.
Kathryn Lee28 May 2019 | 8 min read
What you need to know about negative gearing
What is negative gearing in Australia and what are the benefits and downsides? Read on for eChoice’s ultimate guide to negative gearing.
Kathryn Lee24 May 2019 | 7 min read
What is mortgage stress and how can I manage it?
You may have heard the term ‘mortgage stress’ but do you actually understand its meaning?
Kathryn Lee17 May 2019 | 5 min read
Which Australian suburbs are experiencing the highest price growth?
Whether you're looking for city living, a beachside property or a rural estate, these high growth suburbs offers both entry-level and up-market homes.
Kathryn Lee15 May 2019 | 4 min read
Research reveals next home buyers lack confidence when it comes to purchasing property
A recent survey has revealed that people looking to buy their second home aren't as financially confident or educated about real estate as you might expect.
Kathryn Lee14 May 2019 | 4 min read
A guide to bridging loans
Selling your home and buying another can be tricky when it comes timing. The good news is, bridging loans are sometimes available to cover the shortfall.
Kathryn Lee08 May 2019 | 6 min read
Property price slump eases, encouraging cash rate hold
While home prices continue to fall, the rate is slowing. This news has encouraged the Reserve to leave rates on hold, despite inflation stalling. Why?
Kathryn Lee07 May 2019 | 5 min read
Which suburbs should property investors buy in and avoid?
Looking at buying an investment property but don't know where to start? We've done the research and found the top five suburbs worth a look for property investors, as well as the top five suburbs we t...
Kathryn Lee24 Apr 2019 | 5 min read
Your guide to the First Home Owner Grant in SA
Thinking about buying your first home in South Australia? You may be eligible for the First Home Owner Grant SA, which can save you up to $15,000. Here’s your in-depth guide.
Kathryn Lee11 Apr 2019 | 9 min read
Your guide to the First Home Owner Grant in QLD
Queensland's FHOG is one of the most generous schemes in Australia. Here's what you need to know about the First Home Owner Grant QLD.
Kathryn Lee08 Apr 2019 | 8 min read
Your guide to the First Home Owner Grant VIC
If you’re a first home buyer you could be eligible for the First Home Owners Grant (FHOG) in VIC. Read this in-depth guide to see if you qualify for a first home owners grant.
Kathryn Lee04 Apr 2019 | 8 min read
Your guide to the First Home Owner Grant NSW
What is the First Home Owner Grant NSW? Read eChoice’s in-depth guide to learn what the scheme covers, check if you’re eligible, how to apply and more.
Kathryn Lee03 Apr 2019 | 8 min read
RBA stands ground as economists debate where rates are heading
The Reserve Bank of Australia (RBA) continues to take the 'wait and see' approach. Economists, on the other hand, are finding it difficult to agree on whether rate cuts or rises will happen in 2019.
Kathryn Lee02 Apr 2019 | 5 min read
Melbourne, Byron Bay top list of hot spots for home upgraders
A new report reveals most Australian looking to upgrade to a new home are willing to head interstate - just not to Sydney.
Kathryn Lee27 Mar 2019 | 4 min read
7 affordable Australian staycations to take this year
Feeling strapped for cash while saving? Need a holiday? Check out these affordable Australian staycations.
Kathryn Lee26 Mar 2019 | 6 min read
What ‘tighter lending conditions’ look like in 2019
While the term ‘tighter lending conditions’ sounds fairly straightforward, understanding how it applies to your finances in 2019 requires a bit of briefing.
Kathryn Lee22 Mar 2019 | 4 min read
RBA Governor: “There is no such thing as the Australian housing market”
The RBA Governor has reassured those panicking about the recent dip in the Australian housing market, stating national averages don't tell the whole story.
Kathryn Lee13 Mar 2019 | 4 min read
The interior design rules that are OK to break
For as long as we've been turning houses into homes, there has been a textbook set of interior design rules to follow. From colour coding to Feng Shui, there's a lot to stay on top of.
Kathryn Lee12 Mar 2019 | 4 min read
How to choose the right real estate agent for you
The successful sale of your home depends on your real estate agent’s expertise. Use these tips to find the right real estate agent for you.
Kathryn Lee08 Mar 2019 | 5 min read
Out of cycle rate hikes sees RBA hold firm
By leaving the cash rate on hold for another month, the Reserve Bank of Australia aims to strengthen the domestic economy amidst property market shifts.
Kathryn Lee05 Mar 2019 | 5 min read
Noosa’s Hastings Street crowned Australia’s Best Main Street
Covering everything from ‘Best Swimming Spot’ to ‘Best Sausage Roll’, these awards crown the most quintessentially antipodean outlets across the nation.
Kathryn Lee27 Feb 2019 | 4 min read
How to sell your home in a buyer’s market
From marketing to styling and nailing the right timing (yes even during a slump) - here are the top tips for selling your property during a downturn.
Kathryn Lee26 Feb 2019 | 3 min read
Waterside suburbs you might actually be able to afford
Think living by the sights and sounds of the ocean is beyond your reach? Think again: these Australian waterfront suburbs are actually affordable.
Kathryn Lee20 Feb 2019 | 5 min read
The best books and podcasts about money to help manage home finances
Whether you're looking to save more, get out of debt or learn the basics of investing - here are the money experts who will help get you there.
Kathryn Lee15 Feb 2019 | 4 min read
10 kitchens to get you dreaming of a renovation
Thinking of renovating your kitchen? Take inspiration from these dreamy spaces.
Kathryn Lee11 Feb 2019 | 4 min read
The ultimate guide to decluttering your home
A professional shares her professional tips and advice for clearing out the past and making way for a simplified and calmer future.
Kathryn Lee07 Feb 2019 | 4 min read
The 10 best IKEA storage finds for your home
Whether you’re updating your interior style or searching for smart-designed pieces to make your home more functional, these nifty items have you covered.
Kathryn Lee24 Jan 2019 | 4 min read
Our top 6 tips for first home buyers
If you're looking to buy a home but have no idea where to start, read up on these important tips to find the right home loan for you and your circumstances.
Kathryn Lee22 Jan 2019 | 1 min read
First Home Buyer Checklist
Are you looking to buy your first home, but don't know where to start? Well don't wait a minute longer, it's time to brush up on your home buying knowledge with our step-by-step first home buyer check...
Kathryn Lee14 Jan 2019 | 8 min read
When is the best time of the year to sell my property?
Despite popular belief, real estate agents and statistics indicate that spring isn’t necessarily the best time of the year to sell a property.
Kathryn Lee14 Jan 2019 | 5 min read
Australian house prices at their weakest since 2008
Economic data shows that the Australian housing market is now at its weakest point in a decade – the lowest since the 2008 Global Financial Crisis.
Kathryn Lee11 Jan 2019 | 5 min read
Why real estate liveability is as important as property location
Liveability is a living standard measure that considers several crucial factors which impact everyday living and affect a property's value.
Kathryn Lee08 Jan 2019 | 5 min read
Interior design trends to look out for in 2019
Minimalism, patterns and responsibly-sourced design: We take a look at the 2019 interior design trends you can expect to see take off next year.
Kathryn Lee21 Dec 2018 | 5 min read
What is a comparison rate?
We explain the difference between a mortgage's advertised rate and its comparison rate, to help make the home loan hunt a little easier.
Kathryn Lee19 Dec 2018 | 5 min read
Australia’s most popular suburbs of 2018 revealed
Which suburbs are still in demand and selling like hotcakes, despite the cooling property market? We uncover the most popular Australian suburbs of 2018.
Kathryn Lee18 Dec 2018 | 5 min read
Can I get a home loan with no deposit?
Is there a way for you to buy without having to wait for years while you bank the thousands needed? There certainly is. Find out how you can secure a no deposit home loan now.
Kathryn Lee10 Dec 2018 | 5 min read
What’s the difference between a market and bank valuation?
Whether you're selling or buying, a property valuation is essential. But how does a bank valuation differ from a market valuation and why are they required?
Kathryn Lee04 Dec 2018 | 5 min read
Millennials cash in on buyers’ market as rates remain steady
With the Reserve Bank of Australia leaving rates on hold for another month, young Australians are taking advantage of the situation.
Kathryn Lee04 Dec 2018 | 5 min read
The benefits of using a mortgage broker for your home loan
You've found your ideal home and now all you need is the right mortgage, but who should you approach for your home loan: your bank or a mortgage broker?
Kathryn Lee27 Nov 2018 | 5 min read
A beginner’s guide to property depreciation
Calculating depreciation on an investment property may mean claiming more at tax time. Here's how you could reduce your tax using property depreciation.
Kathryn Lee21 Nov 2018 | 5 min read
Why first home buyers are still applying for mortgages
Recent data suggests that while investor and owner-occupier home loans are dwindling, first home buyer mortgage demand is on the rise.
Kathryn Lee19 Nov 2018 | 5 min read
Pinterest for property: 5 apps to help you find your dream home
If you’re on the hunt for a new home, investment property or just enjoy looking at real estate, here are the best property apps to make your search easier.
Kathryn Lee15 Nov 2018 | 3 min read
Becoming A Mortgage Broker
If you’re looking to make a career change, then mortgage brokering could be ideal. Not only does mortgage broking offer you the opportunity to earn an attractive income, but it also gives you a work...
Kathryn Lee12 Nov 2018 | 5 min read
High-Density Living On The Rise As RBA Hold Fast
With Interest rates at their lowest and the population across Australia growing, many singles, couples and even families are looking to buy more affordable high density housing. Let’s look at this t...
Kathryn Lee06 Nov 2018 | 5 min read
Mortgage Broker Leads
As a mortgage broker, leads are essential to generating enough work to keep you and your business active. However, not all leads are equally as effective. Let’s look at which lead sources are the be...
Kathryn Lee02 Nov 2018 | 5 min read
Cheapest Home Loans
Finding the cheapest home loan as an investor isn't easy, especially with changes to lending criteria, interest only loans and investment-based loans. However, there are still many affordable options ...
Kathryn Lee01 Nov 2018 | 7 min read