CARA HAYNES BLOG

  1. Tile 655pxx393px au

    Is buying cheaper than renting?

    While some are set on the great Australian dream of buying their own home, others are content with renting. And in unprecedented market conditions such as the ones we are seeing thanks to COVID-19, it can be hard to know what to do. Read more to find out three things to consider when it comes to ...

  2. Tile market watch 655x393px 2

    Support your landlords (and retain them)

    Are your landlords experiencing hardship? Here's five ways that I can help! First, I can assist with payment-deferral options for their mortgage. If your landlord’s tenants have lost their job or asked for a rental reduction, I can request a payment-deferral on their mortgage. This is when a l...

  3. Tile market watch 655x393px 3  1

    We break down the shifts

    The legacy of COVID-19 will be the digitisation of business. It has forced us all to accelerate our digital plans and to look at ways of operating remotely. So, let’s see how this changes the way we might work together in a post-COVID world.

  4. Tile market watch 655x393px 1

    4 ways to make the most of covid-19 isolation

    Consolidate your debts. Multiple debts can be stressful, both because of the financial hit each month and the need to remember lots of different due dates. By consolidating these debts with your mortgage, you could swap that confusing mix of debt obligations for one simple repayment each month.

  5. Tile 655pxx393px au 2

    Questions about what's next?

    What’s a payment deferral? ​This is also known as a mortgage holiday but don’t let the name fool you, this is no holiday. If you've been stood down, lost your job and cannot afford to pay mortgage repayments, you have the ability to enact a payment deferral. This is when a lender defers your rep...

  6. Tile 655pxx393px pulse au 1

    How I can help your clients during this time of uncertainty

    In the midst of all of this uncertainty and chaos, I wanted to share that my business is covid-capable, and isolation-enabled. That is to say, it’s business-as-usual and if your clients need me, I am here.

  7. Tile 655x393px au story  3

    Is March a buyer’s month? To delay or act, that is the question

    ​I’ve read plenty over the years about the “best time to sell” for homeowners in Australia, and that got me thinking. When’s the best time for buyers? When is the market less competitive on the bidder-front? When are prices likely to be more affordable? And how much does supply of real estate sto...

  8. Tile pulse storyau 655x393px 2  1

    The race to the bottom; banks start zealously cutting rates

    In the midst of a terrifying and rough summer for much of Australia, it’s odd to reflect on the season that has been for real estate. It’s been a while since the temperature of the housing and home loan market has been so pleasant. Record low rates, looser credit criteria, lender competition, gov...

  9. Tile 655x393 pulse au

    We’re starting later, it’s costing more - is the property dream unreachable in 2020?

    Once upon a time, let’s call it the 80s, the average Australian would buy their first home at the age of 24. Here we are, three decades later, and buying property doesn’t occur until we’re 35. Why is that? Is it thanks to the price of housing in our popular cities, and the militant discipline req...

  10. Tile website social tile

    Is your cash making you poorer?

    ​You know the phrase, “asset rich, cash poor”? It’s never been uttered in a more provocative environment. Even if you’re generally flush with cash, cash as an investment type is hamstrung these days by the central bank cash rate, meaning you’re poorer than you need to be. Let me say it straight. ...

  11. Tile 655x393px au story  2

    Around the country in 60 seconds: how are our property markets handling 2020?

    ​Economists and property researchers are feeling good about the future. They’re saying, as a whole, Australia is considered a growth market for property prices. And they’re putting it down to our financial regulations and a broadly stable economy. One researcher even said that the next five years...

  12. Tile 655x393 au story1

    Did the new year renew your clients' property ambitions?

    What a difference a year makes. When we reflect on housing and lending in 2019 there is a theme of uncertainty. The property market took a downward turn, and financial institutions got hauled before the public to explain a myriad of practices that subsequently caused the regulator to impose stric...

  13. Tile 655x393 au story3

    Help more clients turn their financial resolutions to reality

    ​I get an influx of clients with optimism and determination booking appointments at the start of every year. They plan to buy an investment property, or set up their children with their first property, and couples start getting serious about the first home purchase. You likely get the same sort o...