Buying a property of any type, anywhere is more than likely going to be your largest personal investment.

Here are a few tips to help you along the way - they will save you time and money!

- Use a broker from Oliver Mortgage Services to get the best deal available - we have access to discounted/ negotiated interest rates!

- review your loan every 12 months- you never know when a better option may be on the table saving you $$ - talk to your mortgage broker first

- Plan before you go out and look at real estate- Knowing how much money you can borrow is power in your hands! visit our mortgage calculator now

- Increase your regular fortnightly/monthly instalments this will reduce your mortgage term and save a considerable amount in interest. This can be done even when your loan is on a fixed interest rate. Contact Oliver Mortgage Services to discuss your personal situation and requirements. We will advise and assist you in this process. This is often a better option and provides greater savings than making a lump sum reduction at various times.

- Use the equity in your home whenever you are purchasing consumer goods. Rather than take out a hire purchase to buy that car, boat or expensive item of furniture, borrow extra funds by way of a top up loan or further advance on your mortgage. This way you can dictate the term of the loan to keep repayments at a manageable level but more importantly the interest rate is approximately 1/3rd of the cost that are applicable through a finance company. Be wary of interest free offers - the interest cost will have already been built into the price!

Makes you think doesn't it!