The home loan market is constantly changing, with new and attractive deals coming up all the time. Refinancing can help you secure a more competitive interest rate, access the equity in your home, add features (such as an offset account) or consolidate your debts, but there are some important questions to consider before you get the ball rolling.
Interest rates will almost certainly go down further. The good news is home loans are getting cheaper – the bad news is prices in some areas are going up. And, of course, as happens every few years, there are voices coming from everywhere telling us young people can't afford a home any more.
Guess what? nothing has changed that much. Buying your first home has never been easy, but it is certainly still very possible.
Adrian started investing at the age of 19. Nine properties later, what advice does he have for others wishing to follow in his footsteps?
“I’ve learnt a lot since I started investing in property, but if I had to whittle it down to a short list, it would probably go something like this.