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Alba Iulia
Monday, March 1, 2021

Maria Papa

What the RBA rate cut means to Australians

The Reserve Bank last 4th of June finally dropped the cash rate by 25 basis points to a new record low of 1.25%. This is welcome news for Australians as wage growth remains flat for more workers and the...

Why 2019 is the year of the first home buyers

According to property experts, 2019 is the year of the first home buyers.  One of the biggest hurdles of first home buyers is coming up with a deposit for their first home. Just saving for the 20% deposit to...

Using your super to buy your first home

The Australian Government has introduced the First Home Super Saver (FHSS) scheme to help Australians save for their first home. From the 1st of July 2017, you can make voluntary concessional (before tax) and non-concessional (after tax) contributions into...

Lending and property market forecast for 2019

Year 2018 for the Australian economy is ending on a positive note despite constant news of a housing downfall. According to a recent address by RBA Governor Philip Lowe, “the economy is moving in the right direction and further...

The best time to refinance your home loan

Have you had a look at your home loan statement lately? Have you noticed that lenders have slowly raised your interest rate? The major lenders – CBA, ANZ, Westpac and NAB have lifted their variable mortgage rates last September...

First home buyers in Melbourne

First home buyers with 5% genuine savings buying north of Melbourne Our first case is that of first home buyers purchasing a block of land and building a two-story home. They have saved $10,000 in the last three months. They...

How lenders assess your loan application

You are a first home buyer and you don’t know where to start. You’re doing your research and would like to understand the home loan application process. Your primary goal is to make sure that when you begin the...

My fearless housing and lending market prediction for 2018

Australia’s property market is set to cool in 2018 as national housing prices are officially in decline. There are fewer investors as lending becomes stricter for investor loans. With fewer investors in the market, we are now seeing more...

Prioritising your finances this 2018

The current 1.5% low-interest environment we have in Australia is an opportunity for first home buyers and property owners. The Victorian government last July 2017 announced a package of measures that will help first home buyers get into the...

Seven financial tips for the holiday season

I can’t believe that the festive season is fast approaching. Christmas is one of the most expensive times of the year as we find ourselves spending way more than we had planned. It’s so easy to get into the...
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Falling in and out of love in Australia: Philippine law on foreign marriage, divorce and annulment

Filipinos are citizens of the world, and they figure in all sorts of complex situations with foreign elements. One...
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