Stamp Duty in Victoria: Save Money & Avoid Costly Mistakes
Looking to buy a home in Victoria? Then you’ve probably come across the term stamp duty and been surprised by just how much it can cost. It is often one of the largest upfront costs homebuyers may encounter and can potentially add thousands to the total cost, depending on the property value. What many people […]
Stamp Duty in the Australian Capital Territory: What You Need to Know as a Homebuyer
If you’re planning to buy property in the Australian Capital Territory (ACT), one cost that could significantly affect your budget is stamp duty, also known locally as conveyance duty. While it might seem like just another item on the list of upfront expenses, having a clear understanding of how stamp duty works in the ACT […]
Stamp Duty in New South Wales: What You’ll Likely Pay (And Why It Matters)
If you’re starting your property journey in New South Wales, you’ve probably heard about stamp duty. These days, it’s officially known as transfer duty. And let’s be honest: it’s one of the most confusing (and expensive) parts of buying a home. Maybe you’ve asked yourself: These are all valid questions, and at Unconditional Finance, we […]
How To Pay Off Your Mortgage Faster in Australia
Imagine owning your home outright years ahead of schedule. No more monthly repayments, no more interest, and complete control over your financial future. With cost-of-living pressures rising and interest rates still a concern for many Aussie homeowners, more borrowers are looking for practical ways to cut their mortgage in half and become debt-free sooner. But […]
Debt Recycling in Australia: What It Is, How It Works, and Top Considerations
Paying off a home loan is often a significant financial milestone. But what if there were ways to potentially build long-term wealth at the same time? Debt recycling is a strategy that may help achieve this by converting non-deductible mortgage debt into investment-related debt, which could offer tax benefits depending on how it’s implemented. This […]
How Queensland’s Stamp Duty Exemption Impacts Homeownership
Queensland’s stamp duty exemption offers first-home buyers a financial advantage by reducing upfront costs. This incentive can make homeownership more accessible, but it also has longer-term consequences that buyers should consider. Does it help build equity faster? Could it contribute to rising property prices? And how might changes to government policy impact home values and […]
LVR and Investment Loans Explained: A Guide for Investors
Investing in property can be a valuable strategy for wealth-building, but understanding key financial concepts like Loan-to-Value Ratio (LVR) can help investors make more informed decisions. LVR plays a major role in determining borrowing capacity, the terms of a loan, and any additional costs that may be required. In this guide, Unconditional Finance will break […]