Good News for Australian Expats

australian expat home loansMoving to a new country is quite exciting. Prospects of greener pastures in lifestyle, work or just new experiences make it worthwhile. Just because one has moved to a new country, you need not cut all contacts with the mother country. In Australia, financial institutions understand that a non-resident may still be interested in acquiring a property for investment in real estate or simply for maintaining familial links.

For their reason, they provide Australian Expat home loans. Thanks to these loans, Australian citizens who live overseas continue investing in the country`s property market. The loans enable an applicant to refinance their current mortgage as long as one secures it with an Australian property. If you are looking to take advantage of this financing you should speak to an expert first. The reason for this course of action is so that the entire process can be simple and straightforward. Often, applicants find it difficult to understand lending guidelines.

Fortunately, experts in Australian Expat home loans are available. One should conduct a thorough background check to ascertain that the expert holds a licence from Australian authorities and is legitimate before settling for any particular specialist. Go through the guidelines discussed below in order to decide on the best financial broker or adviser.

Amount of Loan
The amount of credit awarded depends on your financial position. If an applicant has stable employment, an excellent credit history and high income, they can borrow between 90% and 95 % of the property`s buying price. This treatment is applicable to Australian non-residents working overseas, Australians living abroad and married to foreigners, or those currently staying in Australia but wish to relocate overseas later. For one who does not provide enough documents to establish their foreign income, their borrowing is constrained to 80% of the property`s value.

Interest Rates
Contrary to popular belief, a non-resident does not pay higher interest rates to acquire the loan. The only instance that the interest rate can be higher is when the non-resident fails to prove their foreign income. However, a number of banks favor residents when it comes to discounts on the loans. This observation does not mean that expats cannot enjoy discounts as other financial institutions also consider them. The key is to locate those who slash interest rates for expats and residents alike. Consultation with an expert who deals specifically with expatriates will help you obtain finance.

How to Prove Income
When the question of interest rates arises, that of determining foreign income arises as well. To show foreign income, one merely needs to provide foreign tax returns and pay slips. Regardless of the language used in these documents, several financial institutions have translators to translate the details contained in them. One needs not worry about the language barrier. It should not be an obstacle to mortgage finance. Some lenders accept a letter from a borrower`s employer for a loan not more than 80 % of the total property value. This route can act as an alternative for one who works in a country where formally written payslips do not exist.

Advantages of Australian Expat Home Loans
The best part about the loans is that they are easily accessible and do not require individual approval by the Australian Government. This source of financing is reliable, trustworthy and does not attract high-interest rates for an expat. One can even get discounts at a number of financial institutions. Since we work via online platforms, you can apply for the loan within the comfort of your own home, by just uploading the necessary documents and providing required information. It is important to have a financial broker who is formally qualified, experienced and licenced in Australia and specialises in Australian Expats since the lending guidelines and application process for expats differs somewhat to that of a resident. You can have the security and peace of mind knowing that the lenders we recommend are blue chip Australian Banks and Lending Institutions.

In summary, an individual can quickly access Australian Expat home loans. The bottom line is to have an experienced and qualified Australian Expat specialist

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Buying pots online; the convenience and diversity in M Lennon pots and planters

Pots are a convenience for gardens in more ways than one. For starters, they serve to boost the garden’s beauty and orderliness, consequently boosting the whole property’s beauty. They also offer great convenience as they are ideal for planting plants and flowers.

However, with the fast pace at which virtually everything is moving, quality pots are becoming increasingly hard to find. Fortunately for garden owners, you can now find pots online as fast and easily as everything else.

Buying pots online
At M Lennon pots and planters, you can explore inventories of different kinds of pots coming in diverse sizes, colors and designs all from the comfort of your computer.
Unlike most other objects, pots can be highly manipulated to bring out any shape you may wish. However, how best this comes out depends on the potter’s skill, and also the quality of the soil used. Creativity is also crucial as the material’s versatility allows designing, and great designs make pots not only useful in the garden but also as furniture complements. The design, quality and texture of the pot complemented by a great design bring a natural and solid look to a room.

At M Lennon pots and planters, you are guaranteed of exceptional creativity as you can order pots online with up to 100 different designs on the same vessel. You are also guaranteed to get more conveniences like:
• Size
Depending on your needs, you can order pots as tall as 40 feet and not have to worry about delivery. You can also order ordinary pots or specify the size you want to perfectly suit your needs. You can also get much smaller pots like saucers and pot feet to serve other purposes other than growing, and all made in excellent quality.

• Shapes
A pot’s shape also matters a lot when it comes to appearance. As such, to suit different client’s needs, there is a wide variety of different shapes available to clients. You can order the classic rounds or go with the square pots. You can also order one tailored to your desired shape to perfectly meet your needs.

• Design
To add beauty to the pot, M Lennon pots and planters offers clients up to a 100 different designs, all of which can even be incorporated into the same vessel for different clients’ convenience. You get to choose the design you want and get it incorporated into your pot while also meeting other specifications like shape and size.

• Material
For different textures and looks, you can order pots made from diverse materials like fibre glass, terra cotta, Tuscan and bon fire pots among others.

The convenience that comes with ordering pots online
At M Lennon pots and planters, you are guaranteed of services and conveniences which cannot be found elsewhere. When you order pots online, you get to enjoy services that include the following:
• Delivery without deposit.
• Pots on credit.
• Fast delivery taking as short as seven days depending on distance.
• Free polished pebbles to serve as fillers during delivery. This guarantees safety for your pot.

To certify quality, each pot comes with a signature which not only portrays elegance, but also adds to design and beauty.

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Ten Common Mistakes To Avoid When Selling Your Home

Selling your home isn’t something that you do every day-unless you’re a real estate agent. Over the years I’ve honed my skills in learning what works when it comes to selling your home, as well as what doesn’t.

Fortunately, other people have made these mistakes so that you don’t have to!

1. Ignoring an estate agent’s style tips

We all develop personal connections to our homes, but sometimes those connections mean that it’s hard to see our home through the eyes of a potential buyer. An experienced agent should know how to present your home in a way that will maximise your home’s selling potential.

2. Underestimating the importance of street appeal

First impressions matter, and potential buyers driving past or inspecting your home will take notice of your property’s exterior. In my experience, people buy in the first five seconds and justify throughout the inspection. Make a good impression from the outset and keep up to date with the mowing and weeding!

3 Under-investing in marketing

A targeted, wide-ranging marketing campaign designed to reach as much as possible of your buying audience is essential. Buyers fall into different groups and demographics, and a high quality marketing campaign will reach out effectively to all of these.

4. Not being switched on about going online

In our office, it’s where about 90% of our buyer enquiry comes from. The more you invest here the better. Only a small percentage of buyers look beyond the first page of property search results!

5. Being afraid to commit to a sale price

Committing to a sale price isn’t an easy task, but it’s one that should be a much easier decision when you consider that almost half of all potential buyers will pass over properties with no listed price. Why? It seems too hard, or worse, they fear it will be out of their range. Take the plunge and name a figure.

6. Holding out for a better price

Though it can be tempting to wait for a better offer, the property market doesn’t play by the rules of Who Dares Wins, so think twice before rejecting that initial offer. In my experience, often the first offer is the highest we’ll receive, and almost every record price we achieve comes from an offer made within the first thirty days.

7. Taking offers personally

A low offer on your property is not a reflection on you, or even on your home. Instead, they’re representative of a willingness to commit to opening negotiations. I always encourage vendors to see a low offer as a starting point rather than a final figure.

8. Opting for appointment-only viewings

Although there is the odd exception, for the most part opening your home for inspection is essential to ensure it’s seen by as many potential buyers as possible. We get around 10 times the buyer traffic if it’s open for inspection as opposed to by appointment viewings.

9. Cutting costs when choosing a real estate agent

If you think the best agent is expensive, try hiring the second best & see how much that costs you!

10. Failing to keep up with property maintenance

It’s almost always cheaper to do it yourself than to let the buyer use it as leverage for a price reduction.

I recently sold a home in Aspley where the building and pest report identified multiple maintenance issues at an estimated repair cost of $15k! As expected, the buyer tired for a $15k price reduction. I intervened & re-quoted with a local trusted trade and they seller got the job done for $3k. Fortunately, I managed to salvage the deal without a price reduction. However this could have been avoided or worse the deal could have fallen through.

So call that plumper you’ve been avoiding! For real estate Aspley, contact Justin Watt of Watt Realty today.

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Fairy Floss Brisbane

Parties, or any event that gathers a number of people in a single location, are always filled with fun and enjoyment. Food, people in good spirits, and a whole lot of merriment fill the air of any event where children and adults alike gather to celebrate a special occasion.

One sure thing that can always bring a smile to anyone’s face, be it a fully grown adult or small child, is fairy floss. Fairy Floss King, Brisbane’s best provider of fairy floss machines, has been in the business for more than fifteen years. Fifteen whole years of bringing smiles to birthday parties, fund raiser events, school fetes, and even corporate work events. This trusted and reliable fairy floss provider is the best that you can find in the whole Brisbane area. Together with their machines and/or operators, you get to enjoy four hours of fairy floss, hundreds of sticks, a sugar mix, a table, and three full flavors to choose from. Free delivery is available in Brisbane, Logan, Redland, Gold Coast, and Ipswich. Fairy Floss King also offers other party needs to complete any party.

What once was only available in carnivals and circuses can now be had at your very own backyard, school, or corporate building. You can opt to hire the machine only and operate it by yourself, or hire an operator with the machine to eliminate the hassle of setting up and making the fairy floss for your guests. This will give you more time to focus on other things at your party and actually enjoy the event itself. If you want to make the fairy floss by yourself, though, it definitely won’t cause any problem as the machines are easy to operate and can start concocting the perfect fairy floss in just a few seconds.

Aside from giving your guests a great party atmosphere with Fairy Floss King, you can also hire the machines to make money at your event. Selling fairy floss at your school event can be a fantastic way to raise funds for charity or for any other purpose. Set up a Fairy Floss King booth and watch guests line up to get their taste of three available flavors and colors to choose from. Little girls will delight in the pink floss with a full raspberry flavor. Little boys will also enjoy the blueberry flavor that comes in the color blue, and green for apple. Every child in the event will definitely enjoy a fairy floss or two.

Fairy Floss Kings offers two packages for you to choose from: Package 1 consists of hiring the machine only, for $220, while Package 2 consists of hiring the machine plus the operator for $220 and $25 for the operator’s fee. With these packages come 250 paper sticks, sugar mix that’s good enough for 250 serves, and a table for set up. You can enjoy the machine right at your event for a whole four hours, making it a staple at your party. Should you need a generator, especially if your event venue is outdoors and away from an electric outlet, Fairy Floss King can happily provide it for you for an additional cost of $150.

Along with these packages, fairy floss brisbane can give you everything you need for a fantastic party. You can opt to add other party equipment such as Jumping Castles, a popcorn machine, and snow cones together with the fairy floss machines. Fairy Floss King will happily provide you with combo deals to create a complete party package for your event.

Fairy Floss King’s website is very easy to navigate. Should you have any questions about hiring fairy floss machines, you can easily go to the website where big, bold, colorful letters welcome you to an array of photos of Fairy Floss King’s previous clients and events. Everything you need to know can be found on the website’s Frequently Asked Questions tab. If you want to hire Fairy Floss King, a contact number can easily be reached with a friendly customer service agent on the other line to help you book a machine for your event. You can also fill out an online form where information such as your date of event, delivery address, required machine delivery time, mode of payment, and other essential information are needed to book your Fairy Floss King machine.

Welcome your guests with Fairy Floss King and expect your party to be unforgettable, keeping your guests happy with these delicious sugar concoctions.

Tags: Fairy floss machine hire brisbane,fairy floss machine brisbane

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