Help for First home buyers, on interest!

I  Note some simple ideas, to negotiate a lower interest rate for the home.
1    Always research the market via websites like infochoice or, iselect, or cannex

2    Always know as much as possible before you interview the Mortgage Home Loan Originator, as they can be real busy, and want to work with well informed and qualified buyers.
3     Discover that a ” professional deal ” home loan pack, can have a discount of 8o Points below published deals.
4     Consider the ‘Introductory rate” deals with discounts of up to 80 points, always check the reversionary interest  rate.

5     Always include all income streams, like welfare, family payments, overtime, rents, Dividends, Part time work : in order to present the strongest possible deal.

6    There are today, special deals for Union members, this can be an 80 point discount.

7    Consider up to 100 point discount for shareholders in some of the major banks and insurance companies.
8     My strategy is:If one buys the second hand, home and does some renovation, one might only need a smaller home loan.

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New Design Transport Technology Ideas, effect for your Home?

Today, I am reading of the forty models of new electric cars, due within two years. Some companies have announced up to forty new electric models are on the way. This year we can look forward to the Imiev from Mistsubishi. While the Leaf from Nissan is not far behind. All the major manufacturers are developing these electric vehicles.
How does this effect property ?
Well, some home buyers have been insisting on only buying, walk to tram or rail. They are fearfull of a future oil price surge. As the electric cars with lightweight and efficient Lithium batteries become available. I suggest the desperate desire to buy only in the inner suburbs may abate.
While, there are good reasons to buy in the Inner ring suburbs, let the fear of high petrol prices not be one of them!  The middle and outer suburbs will return as great areas to live. !
Right now we have available the Electric bikes, some so convenient as one can fold them up and carry them to work. Here’s my idea, cycle on the bike to the railway station and carry the bike to work, or lock it up in the secure yard.

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An Idea on the Melbourne house property boom? Why ?

Today, newspapers are reporting week after week of rising Melbourne home values and premiums achieved at auction. What does it all mean ?

1   The population of Melbourne is booming by growing at 1800 a week.

2   This is considered to be double that of only five years ago.

3    Builders are having difficulty finding finance. They are not building enough to meet the house demand.
4    The changed FIRB {Foreign Investment Review Board} guidelines for foreign buyers, has allowed a sudden rise is in overseas buyers. In some areas, these new buyers can account for up to one third of all buyers. This is having a disproportionate effect at the public auction sales.

5   Why is Melbourne so popular? Well all the factors we have always know are becoming more important. Melbourne has great tertiary education institutions, and compared to Sydney, stronger State government leadership!, better public transport {Melbourne is to build several new train stations}, much cheaper land, better hospitals, easier roads congestion and great beaches. I argue there is major interstate immigration from other Australian states. This will take time to be confirmed with government statistics. Then we will be increasingly, be made aware, just why so many Sydney developers including FKP, Devine, Mirvac, Lend Lease, have moved their emphasis of land and homes development to Melbourne.
6  One can still buy a brand new 3  Bed room brick home for around $ 310,000, in Carrum Downs, Skye, Pakenham, Wyndhan Vale, Melton or Tarneit, where similar homes in Sydney would be $600,000.

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