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Lenders Mortgage Insurance has helped many Australian’s purchase their home sooner when they’ve had a smaller deposit.
The Loan to Value ratio (LVR) is the way of working out the actual financial value of a property, and determines whether your home loan will need to be covered by Lenders Mortgage Insurance (LMI). The Loan to Value ratio is the loan amount divided by the value of your property. Banks will require you to have Lenders Mortgage Insurance (LMI) if they lend more than 80% of the value of the property.
Every time we turn on a light, the computer, kettle, toaster or hair dryer, we create pollution due to the burning of fossil fuels required to produce that electricity. Our homes have a critical role to play in mitigating the effects of climate change. Climate change is a global challenge that we cannot ignore. It is a threat to all of us yet created by all of us. Globally, we are all seeking a cleaner future looking into better alternatives. There’s a lot we can do to turn back this worrying global trend of ever increasing carbon emissions. While solar panels aren’t the only answer they can certainly form part of the resolution.
The importance of writing down your goals with a plan on how you are going to accomplish them is vital. According to studies done at Harvard and Dominican University, those who wrote down their goals achieved more than those who did not. For the Harvard study, students were asked if they had set clear written goals for their future. Only 3% of the students wrote down their goals with a plan, 13% had goals but didn’t write them down and 84% had no goals. After 10 years, the same group of students were interviewed again and the result of the study was astonishing. The graduates who wrote down their goals including a plan on average were earning 10x the amount as the other 97% percent of the class. The study demonstrates that if you plan on how you are going to achieve your goal, then it allows for your goal to become more achievable. This leads you on a journey that has a destination. Check out our S.M.A.R.T steps to take when writing your goals.
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