The first step toward successful saving is to determine your goals – what do you specifically want to save your money for? What is it you want to buy?

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, gives you some valuable tips for saving a healthy deposit for your home…

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While much of the loan application process is out of your control, and this is where a good mortgage broker will help speed things up, there are still some things you can do to make the process easier. 

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, gives you some valuable tips for obtaining your home loan faster…

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Often referred to as a mortgage saver or mortgage offset account, incorporating this into your home loan package can reduce the amount of interest you pay over time.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, examines how changing your account set up can save you thousands on your home loan…


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Making extra repayments on your loan can help to reduce it quicker and save you loads of interest.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, examines just how much you can save on your home loan by ramping up your repayments…

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This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains the difference between a P & I and an IO loan and what it means to you as a borrower…

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Unfortunately there is no simple answer. The right loan for you will depend upon your current financial situation, you future plans and other variables. Let’s look at some of things you should consider.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, gives you a few tips to work out the best loan package for your needs…

In the previous chapter we explained that banks are really just money shops. Here’s how they work.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains what banks do with al of our money and how home lending really works…

Your Loan to Value Ratio or LVR is the amount of your borrowings divided by the value of the security (your home), expressed as a percentage. This is an important concept, so let’s look at it more closely.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains what loan to value ratios are and why they are so important when it comes to securing finance…

You’ll need to do some homework to find the right mortgage broker for you, but if you do your research and choose carefully, you’ll find your broker saves you time, stress and most importantly, money.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains how to find the right help when it comes to securing finance…

Firstly, let’s discuss the banks. It’s good to know that they really do want to give you money and it’s in their best interest to do so.

Banks are basically “money shops.” Just as supermarkets are in the business of selling groceries, banks are in the business of “selling” you their money.

This extract, taken from Michael and Pamela Yardney's book (with Bronwyn Davis), All you need to know about buying and selling your home, explains who you should approach when it comes to securing finance…