What to consider when getting a mortgage

Mortgages - things to consider
 
Saving up for a deposit is the first major milestone to getting a mortgage (or home loan) and is one of the toughest to achieve. Frustratingly, getting a mortgage involves far more than simply achieving a savings goal; the approval process can be tedious and emotionally draining.

Here are some factors that can make the mortgage approval process easier.

Show you are reliable

A home loan is the biggest financial commitment most people ever make and lenders want reliable candidates. The application process is designed to prove this reliability, so having all the required payslips, IDs, and general proof of all your financial activity on hand, in chronological order can speed it up.
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Global ETFs surge ahead

ETF Update - Quarter 3, 2017
 
Our quarterly update on the Australian ETF market as at September 2017.

ETF market highlights

  • Quarterly growth for ETFs listed in Australia was 8.9%, from $29.3 billion at the end of June to $31.7 billion at the end of September 2017.
  • The total size of global share ETFs listed on the ASX overtook Australian share ETFs for the first time. Global share ETFs continue to be embraced by Australian investors for better diversification in their portfolios.
  • The latest report from S&P showed that 75% of Australian equity managers, 90% of Global share managers and 86% of Bond managers underperformed their respective benchmarks over the 10 years to 30 June 2017. This trend has continued to support evidence based investing using ETFs.

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