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Property Market Update 2008 - 2009:

“ Buyer and seller activity levels in the 2008 real estate market in the Sydney region substantially came to an end around mid November primarily due to a fairly broad sense of uncertainty emanating out from all business quarters linked to the property market. Perhaps for the first time there is currently a real demonstration to Australians of the influences global financial events can have on the local property market and the wider Australian business sector in general. There is a traditional downturn in the Sydney property market during the December quarter each year, this time round however was a double header.

Whilst it is early days the 2009 property market is off to a slow start. The general uncertainty prevails and buyer inquiry levels are very modest. It is likely that most agents are currently preparing any newly listed properties ‘for sale’ and those properties are likely to be introduced to the market later this month or early in February. At this time it is a ‘wait and see’ situation for at least the next few weeks.”

Tony Triglone
Elders Real Estate Crows Nest

For information on buying or selling contact Tony Triglone at Elders Real Estate Crows Nest on: Ph: 9901 3333.

Brown & Brown e-Newsletter
by Garth Brown

"How to Pay off your Home Loan Faster"

I’m often asked “How Can I pay off my Home Loan Faster?” in these uncertain financial times that’s a very important question because the less you owe the Bank the greater control you have over your repayments especially when interest rates go up. In fact paying off a home loan as quickly as possible is a smart financial move

Here is a simple 4 point checklist to assist you:

1. CHECK YOU HAVE THE RIGHT LOAN
Making sure you have the right loan is the most important thing. You want one that offers flexibility and allows you to pay it off faster. Your financial adviser/mortgage broker will sit down with you and help you find the right loan to suit your financial situation.

2. INCREASE YOUR REPAYMENTS
The best way to reduce your mortgage is to simply increase your regular repayments. Even a little bit can make a big difference over time. The power of compounding interest means that every bit you pay into your mortgage will make a huge difference over time.

3. PAY FORTNIGHTLY INSTEAD OF MONTHLY
There are 26 fortnights in a year but only 12 months, so by dividing your set monthly repayment in two you will make an extra month’s repayment each year.

Make extra repayments whenever you can and keep your repayments the same if interest rates drop – you won't notice a difference in your monthly budget, but it could make a big difference to your mortgage.

4. WHERE CAN I FIND A LITTLE EXTRA?
• Take sandwiches into work, it might be a chore at the beginning, but once you get into the groove of making your own lunch it’s not that hard to do and you will SAVE, work out how much take-out lunches cost each day then multiply by the year.
• Cut down on daily coffees e.g. if you spend just $3 per day on a take-out coffee that’s $15 pw or $60 pm or a massive $2,880.00 per year (48 weeks)! And a lot of people actually have more than one take-out coffee a day … do the maths!!!
• Read a newspaper on the internet rather than buying it.
• Walk to the local shop (if it’s close), instead of driving, you’ll be surprised how much extra petrol you’ll save, as well as wear and tear on your car.

It’s surprising how much little things can save us.

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TESTIMONIAL

27th February 2009

Att: Garth Brown
Brown and Brown Conveyancers

I would like to thank you for your assistance with the purchase of my first property.
 
I didn’t fully understand what was involved with contracts, strata inspections, settlement etc and you made the whole processes very easy to follow and understand. The information emailed with tips regarding the process of moving was very helpful and useful.  I appreciate your prompt replies to my emails especially over the holiday season. 
 
I would have no hesitation in highly recommending the services of Brown and Brown Conveyancers.

H.M.

. . . . . . . . . . . . .

Thank you again for your valued custom.

License No: 105584

Our next eNewsletter will feature:
“Why Pest & Building Reports are essential for House and Town house Purchasers (and Vendors)”.

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