#home loans Canberra

[zandawealthmortgagebrokers]

Zanda Wealth Mortgage Brokers Canberra

Zanda Wealth Mortgage Brokers Canberra

Zanda Wealth Mortgage Brokers Canberra is a team of dedicated mortgage brokers located in the heart of Canberra, ACT. We understand that navigating the world of finance can be complex, which is why we're committed to guiding our clients through the loan process with comprehensive support and personalized service. Our central focus lies in providing tailored financial solutions for every individual's unique situation, ensuring you receive advice suited specifically to your needs.

As prominent Mortgage Brokers Canberra, we take pride in offering an extensive range of services designed to assist a variety of borrowers, from those purchasing their first home to seasoned investors looking to expand their portfolios. For first-time buyers feeling overwhelmed by the market, our First Home Buyer Loans are crafted to make entering the property market as smooth and manageable as possible. We provide clear, understandable guidance at each step, making sure you feel confident about your investment.

For existing homeowners considering better terms or lower interest rates, our Refinancing Loans can secure conditions that match your evolving financial landscape. We also cater to determined investors seeking advantageous Investment Loans that align with both short-term gains and long-term strategies. Our expertise extends into helping clients who are embarking on building projects with our structured Construction Loans, which support your vision from the ground up.

Moreover, for those dreaming of transforming their current homes into something new or upgrading features to increase value or functionality, our Renovation Loans offer the resources required to turn ideas into reality. Each financial journey is unique—a theme that resonates deeply with us—and as such, Zanda Wealth Mortgage Brokers provides customised solutions reflective of your individual ambitions right here in Canberra.

Whether you're buying a home for the first time, refinancing an existing loan, investing in property, building a new house or undertaking renovations large or small—our purpose is clear: supporting you at every juncture with quality advice and uninterrupted assistance as your chosen Mortgage Brokers Canberra.

Contact Us

Zanda Wealth Mortgage Brokers Canberra

33 Allara Street, Canberra, ACT 2601 Australia

(02) 5110 3170

admin@zandawealth.com.au

https://zandawealth.com.au/mortgage-brokers-canberra/

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[clarityfinancial]

Simplify Your Home Loan Process: The Advantages of Hiring a Mortgage Broker

Navigating the world of home loans can be a daunting task for many, especially first-time buyers. The complexity of the process, the sheer amount of paperwork, and the seemingly endless list of lenders can make the experience overwhelming. Home loan brokers serve as a guiding light, simplifying the home loan process and providing access to a wide variety of loan options tailored to individual needs. When it comes to securing the best deal on your mortgage, working with a mortgage broker like Clarity Home Loans could make all the difference. Read More: https://medium.com/@clarityhomeloans/simplify-your-home-loan-process-the-advantages-of-hiring-a-mortgage-broker-74386046d7b0

[digitalzonehai]

Mortgage Broking Services Australia?

Looking to hire a professional company that offers excellent Mortgage Broking Services Australia? Contact SmartCity Home Loans! With us, you can get your dream residential projects, including, construction projects, investment homes, and first homes. 

[mickbarlowproperty]

Unlocking Affordable Homes: Your Guide to Finding Budget-Friendly Properties in Canberra

Canberra is an exciting and lively city, but finding an affordable home can often feel like an impossible task. Yet, for those on a budget, there’s still hope! With careful research and a willingness to explore different neighborhoods and housing options, finding a home that fits your finances is entirely achievable. Whether it’s your first home or a step toward something bigger, Canberra offers plenty of possibilities for savvy buyers. Stay flexible, keep an open mind, and you’ll soon find yourself on the path to homeownership in this vibrant city.

Here are a few tips to kick off your home search:

Expand Your Search Options:

Don’t rely solely on major real estate platforms when hunting for property in Ainslie. Explore listings from smaller real estate agent Ainslie and attend open houses in areas you may not have initially considered.

Utilise ACT Programs:

The Suburban Land Agency’s Affordable Home Purchase Scheme offers eligible buyers a chance to buy property in Canberra at discounted rates.

Consider Different Property Types:

Apartments, townhouses, and duplexes can offer more affordable alternatives to standalone houses, especially in high-demand areas.

Evaluate Your Commute:

While a longer commute may not be ideal, it could open up more affordable housing options. Check for accessible public transport to ease your daily commute.

Stay Open to Different Opportunities:

Look at Fixer-Uppers:

Don’t overlook homes that need some renovation. These properties are often more affordable, but make sure to account for the costs of any repairs or upgrades before making a decision.

Start Small:

Opting for a smaller home can be a wise choice for first-time buyers. It offers an affordable entry point into the market, with the flexibility to move to a larger property in the future!

Get Expert Guidance:

Mortgage Broker:

An experienced mortgage broker can help you assess your borrowing capacity and match you with the most suitable loan options for your budget and financial goals.

Buyer's Agent:

A buyer's agent can be a valuable asset in a competitive market. They can help you navigate the buying process, handle negotiations, and secure the best possible deal on your new home.

Keep These Considerations in Mind:

Stay Practical:

Define a budget and stick to it. Don’t let emotions or spontaneous decisions push you beyond your financial limits.

Conduct Thorough Research:

Stay updated on market trends and be prepared to act swiftly when the right property comes along. Doing your homework will enable you to make a well-informed offer.

While finding an affordable home in Canberra may take some work, a methodical approach can help you find a place you adore without exceeding your budget. Best of luck with your house hunting!

[avandelay20]

Headline should read: "BANKS IMPROPERLY LENT an insane amount of money to people who are now in mortgage stress"

While it is sad to see people in this situation, they should have known NOT to take a massive VARIABLE RATE LOAN when rates had NO WHERE TO GO BUT UP!

When the interest rates were near zero, every lender, real estate agent, and MEDIA OUTLET were telling potential buyers to "get in on the good deals while they last" - now here we are.

1.6 MILLION Australians now AT RISK of MORTGAGE STRESS. UP from JUST 88,000 the month prior.

This is due to the fixed rate portion of their variable rate loan coming to an end and exposing the buyer to the current interest rate.

How far out of reach is an Australian Home?

"

Aussies wanting to buy a home in Sydney will now need to earn about $278,000 a year to afford the repayments, according to Finder analysis of PropTrack data.

That’s more than double the $130,000 a year income that was needed in 2020 to buy the median-priced home, based on average loan rates.

Melbourne buyers needed an annual income of $172,000, up 74 per cent from 2020, while Brisbane buyers now need an income of $166,000, up 128 per cent.

These increases are far and above the pay rises Aussies are receiving, with Australian Bureau of Statistics data finding national wages had grown by about 12 per cent over the same period.

Finder’s figures assume the buyers use a 20 per cent deposit and avoid mortgage stress, which is when you spend more than a third of your gross income on repayments.

More than 1.6 million Aussies were estimated to be “at risk” of mortgage stress in June, Roy Morgan data found, up from 88,000 from the month prior.

Annual income to afford the average home

Sydney: $277,856

Canberra: $187,574

Melbourne: $171,778

Hobart: $138,212

Adelaide: $148,282

Perth: $134,263

Darwin: $112,149

Brisbane: $165,855

"

By the way, the solution is NOT for the RBA to show concern for people who made the WRONG financial decision.

It's for these folks to either ask for leniency from their lender OR SELL their home and go back to renting.

That is how a market corrects BLUNDERS like this.

It's an unfortunate consequence of having EVERY MEDIA OUTLET spruiking this idea that everyone needs to own a home even when most people in Australia CANNOT AFFORD ONE.

[apacbusinesstimes]

Elevating Property Search: Rhett Dallwitz’s Mission with Listing Loop

Have you ever been in situations where searching for a house or property to buy or sell was a tedious and frustrating task? Yes, most of us have been there. The real estate business is a tricky one and without a basic awareness and knowledge of the industry and market, one can only successfully proceed with the help of a real estate agent. Not all real estate properties are listed and open to the public. To address this many companies and businesses in the industry offer their services by providing details on both the off-market and the pre-market property listings. This can be beneficial to customers and interested investors. Therefore in his article, we are talking about one such company called Listing Loop and also the entrepreneur journey of Rhett Dallwitz, the brain behind it.

Rhett Dallwitz: Co-Founder and CEO

Rhett Dallwitz is an Australian entrepreneur, who is the co-founder and CEO of ListingLoop.com.au, which helps in connecting buyers and agents with all kinds of properties. He has the experience in real estate industry for around 20 years, where he initially started his career with the franchisees business with Subway. Later he founded a real estate website named Real Estate Portal was worked as a director which was acquired by ASX:100, the name of the business was withheld due to purchase agreement. Adding to his experience of working in real estate he was General Manager at Homesales.com.au, for around 8 years.

He also worked as a General Manager at Carsales.com.au which is the largest automotive, marine classifieds, and motorcycle business in Australia. He also founded a bag company named Wine Travel Bag that aims for people to travel without risk-free stains. The bag contained an ultra-absorbent material that acted as a protective layer at the bottom. 

Later in the year 2018, with his vast experience in the field of real estate, Mr. Rhett Dallwitz founded Listing Loop.com.au. Where he holds the responsibility of chief executive officer and looks after the overall management of the company. Rhett Dallwitz about Listing Loop – “We built Listing Loop to bring previously untapped opportunities for buyers, sellers, and agents to the forefront so that everyone wins. Real estate is an exciting industry but the way it’s done has become stagnant and cookie-cutter. We love to challenge the status quo and are shaking things up through

Smart tech that’s personalized and instantaneous.”

About Listing Loop

Listing Loop is a real estate property platform that was founded in the year 2018 by co-founder and CEO Rhett Dallwitz. The headquarters of the company is located in Mornington, Victoria, Australia. It is a platform that connects buyers and agents with different kinds of properties with their full end-to-end property ecosystem. The company uses smart technology, data, and modern designs to offer buyers listed off-market properties for sale. 

It is Australia’s no.1  marketplace to offer off-market, pre-market listing, and many more services apart from listing properties. It is the first place where properties are advertised by real estate agents. The company will help you get dibs on the property listing and buyers are altered according to their criteria in buying a home. The dashboard helps buyers filter according to their choices and keep track of the property matches. Hence can easily search for properties in Sydney, Adelaide, Canberra, Brisbane, Brisbane, Hobart, and Perth.

The process of accessing the service is easy one can search for a property on a website, opt for a home loan and refinancing options from around 40 lenders, and further the professional buyer will assist you with negotiation. Legal documentation of property is done along with settlements and transfers, next is the fast cash accessibility and staying connected with the team by moving the app. The company will help you get a home loan in a simple process and home cleaning at the end of the lease will be done by the partners.

Listing Loop is growing at a faster pace across Australia where more agents are using this platform as it helps to sell their vendors’ properties easily and quickly. With the use of smart technology and data-driven models, it has made the process of property searching easy for buyers.

Visit More : https://apacbusinesstimes.com/elevating-property-search-rhett-dallwitzs-mission-with-listing-loop/

[jassawcleaning]

Get Your Home Sparkling For The Holidays With Help From A Bond Cleaning Service

Jassaw Services

It's the holiday season and with it comes the joy of festive decorations, delicious dishes and quality time with loved ones. When you're preparing to welcome guests into your home or move out of a rental property, keeping your living space clean and inviting is a top priority. But with the many tasks involved in preparing for the holidays, finding the time and energy to thoroughly clean can be daunting. That's where professional cleaning services come in, offering complete cleaning solutions to keep your home sparkling during the holidays. If you're in Canberra or the surrounding area, we'll explore how cleaning services can help you create a clean home environment that allows you to focus on what's important - creating cherished memories with family and friends.

Canberra Cleaning Services :

Whether you are moving out of a rental property or preparing to welcome guests into your home to host guests, cleaning plays an important role in keeping your space clean and ready for use. In Canberra, where rental properties are common, finding reliable cleaning services is essential for tenants who want to get their loans back and for landlords who want to impress visitors with a clean apartment.

Cleaning Service:

Cleaning service, also known as final of tenancy cleaning, covers the entire property Full cleaning including floors, walls, windows and furniture. A professional cleaning service in Canberra specializes in delivering exceptional results, adhering to the highest industry standards and meeting specific requirements set out in rental agreements. From removing stubborn stains to disinfecting surfaces, these services leave no stone unturned to ensure the property is restored to its original condition.

Carpet Cleaning Queanbeyan:

Carpets are often the focal point of a room, adding warmth and comfort. into space But they also act as a magnet for dirt, dust and allergens, especially in high-traffic areas. Professional carpet cleaning services in Queanbeyan use advanced techniques and eco-friendly products to effectively remove dirt and stains, revitalize your carpets and improve the overall cleanliness of your home.

Commercial Cleaning Canberra:

In addition to home cleaning, and commercial services. properties in Canberra also receive professional cleaning services. Whether it is office buildings, commercial premises or healthcare facilities, maintaining a clean and hygienic environment is essential for the well-being of employees, customers and visitors. Canberra Commercial Cleaning Services offers customized cleaning solutions tailored to the unique needs of each business, ensuring every inch of the property is thoroughly cleaned and disinfected.

Getting your home ready for the holidays:

The festive season is upon us, now is the perfect time to call cleaning services to prepare your home for festive gatherings and parties. Professional cleaners can tackle even the most daunting cleaning tasks, from deep cleaning carpets and upholstery to scrubbing floors and surfaces, leaving you with a sparkling clean home to enjoy with your loved ones.

Finally, cleaning services in Canberra offer convenient, convenient and efficient solutions for homeowners and tenants alike, ensuring the clean condition of these properties. Whether you're moving out of a rental property or simply preparing your home for festive gatherings, professional cleaners can take care of the dirty work, allowing you to focus on creating lasting memories with family and friends. Prepare your home for the holidays with reliable cleaning services in Canberra and make this holiday season truly unforgettable…

[flash-fresh]

Italian police find stolen treasures at Australian museum

The looted works discovered within the university's classics museum included a 2,500-year-old amphora depicting Greek champion Heracles fighting the mythical Nemean lion.

SYDNEY: Italian art detectives have found stolen ancient treasures at a leading Australian university, including an artefact likely smuggled out of the country under piles of pasta, the institution said Friday.

Australian National University (ANU) said Friday it was working with the “specialist art squad” of Italy’s Carabinieri military police to return the priceless pieces.

The looted works discovered within the university’s classics museum included a 2,500-year-old amphora depicting Greek champion Heracles fighting the mythical Nemean lion.

Italian police discovered an old Polaroid photo of the Heracles vase while investigating an unnamed art thief, which led them to believe it had been illegally plundered before it was sent to Australia.

The Canberra university said it had bought the vase in “good faith” at a Sotheby’s auction in 1984, and was “proud” to work with Italian investigators to see it returned to its rightful home.

Museum curator Georgia Pike-Rowney described the vase, which dates back to 530 BC, as a “stunning example” of ancient Mediterranean craftsmanship.

Working in tandem with the museum, the Carabinieri also identified a stolen red fish plate from the Italian region of Apulia which they were able to trace to David Holland Swingler, an American art trafficker and food importer known for a culinary modus operandi.

“During trips to Italy, Swingler sourced material directly from tombaroli — literally ‘tomb robbers’ who undertake illegal excavations,” Pike-Rowney said.

She added that Swingler “then smuggled the items to the US hidden among bundles of pasta and other Italian foods”.

Spurred to undertake its own audit, the Australian National University subsequently found a Roman marble head that belonged to a separate collection owned by the Vatican.

“Conversations about the repatriation of ancient artefacts have become prominent in recent years, as institutions across the world grapple with the legacies of historical collection practices,” said Pike-Rowney.

“As Australia’s national university, ANU must be at the forefront of best practice in the management of restitution and repatriation cases.”

Italy’s government has agreed to loan the vase and the fish plate to the university until they are returned at a “future date”.

[trilogyfundingseo]

Mortgage Broker Canberra

Mortgage Broker Canberra - Discover tailored mortgages in Canberra with Trilogy Funding. Your trusted broker for personalized solutions, making home loans a breeze. Start your journey now!

[digitalzonehai]

Investment Home Loan Canberra

Looking for the leading company that offers Investment Home Loan Canberra? Contact SmartCity Home Loans! We will provide you with competitive loan options that will give you higher returns on investment. 

[honeysfashion]

Canberra Raiders NRL Rug Carpet

The Canberra Raiders NRL Rug Carpet is one of the most unique and popular items in all of Australian sport. The carpet is made up of a series of woolen panels, each bearing the logo, name, and history of one of the NRL's 16 teams. The rug is displayed at the Raiders' home ground, GIO Stadium, before each home game. The carpet has been exhibited around Australia, including appearances at the Sydney Superdome and Melbourne Cricket Ground. The Canberra Raiders NRL Rug Carpet was first unveiled at the opening night of the new GIO Stadium in 2002. The carpet was designed by renowned Australian artist David Bromigton, who also created the design for the Sydney 2000 Olympic Cauldron. The carpet was officially dedicated to the Canberra Raiders by then-Raiders captain Jason Taylor following their victory over Melbourne in Round 17 that year. Since its inception, the rug has become an important part of Raider culture. It is regularly displayed at home games before each match, and has even been loaned to other clubs for special occasions. In 2006, for instance, it was loaned to Brisbane Broncos for their game against the North Queensland Cowboys at Suncorp Stadium. In addition to its ceremonial value, the rug has also played an important role in promoting team spirit. After several seasons of poor on-field performances, fans rallied around the rug in 2009 when it was announced that it would remain at GIO Stadium despite plans to move

[mickbarlowproperty]

On a Budget? How to Find Affordable Homes for Sale in Canberra

Canberra is a fantastic city, but let us be honest, finding an affordable home can make you want to search for a unicorn. But fear not a budget-minded buyer! With some savvy searching and a willingness to explore different options, you can find your Canberra dream home (or at least a great first step on the property ladder).

Here are some tips to get you started:

Embrace the Search:

Go beyond the big portals: Do not just rely on the major real estate websites for real estate agent Ainslie. Explore listings from local agents and attend open houses in suburbs you might not have initially considered.

Friend the ACT Government: The Suburban Land Agency offers the Affordable Home Purchase Scheme, which can help eligible buyers to buy property in Canberra at a reduced price [ACT Affordable Home Purchase Scheme].

Consider all types of dwellings: Apartments, townhouses, and duplexes can offer more affordable options compared to detached houses, especially in prime locations.

Think about commute: While a longer commute might not be ideal, it can open doors to more affordable options. Consider public transport links when making your decision.

Be Open to Different Needs:

Renovator's delight: Do not be afraid to consider a property that needs some TLC. While the upfront cost might be lower, remember to factor in renovation expenses.

Embrace the smaller: A smaller property might be a good first step, especially for first-time buyers. You can always upgrade later!

Get Help from the Pros:

Mortgage broker: A good mortgage broker can help you understand your borrowing power and find the best loan options for your budget.

Buyer's agent: Working with a buyer's agent can give you an edge in a competitive market, especially when navigating negotiations.

Remember:

Be realistic: Set a clear budget and stick to it. Do not get swept away by emotional decisions.

Do your research: Understand market trends and be prepared to make an offer when you find the right place.

Finding an affordable home in Canberra takes some effort, but with the right approach, you can find a place you love that will not break the bank. Happy house hunting!

[petnews2day]

When will Australian interest rates stop rising?

New Post has been published on https://petnews2day.com/pet-industry-news/pet-financial-news/when-will-australian-interest-rates-stop-rising/

When will Australian interest rates stop rising?

Higher borrowing costs have taken a large bite out of property prices in recent months, and with more rate hikes to come we likely haven’t seen the bottom of this current downturn.

But when will the Reserve Bank of Australia next make a move? And when will its aggressive monetary policy tightening finally come to an end? We take a look below. 

Interest rates set to go up in December

The RBA has lifted interest rates at seven consecutive meetings this year, including a devastating four-month stretch of 50 basis point hikes from June to September.

The cash rate is now 275 basis points higher than it was when the tightening cycle began – nearly matching the 3% buffer banks tack onto their rates when assessing borrowers’ serviceability.

While limits are certainly being tested, the good news is that with unemployment currently at all-time lows, a material increase in mortgage arrears seems unlikely.

The central bank is widely expected to continue lifting rates, with Westpac economists pencilling in four more 25 basis point hikes in December, February, March and May and a terminal rate of 3.85%.

Meanwhile, CommBank believes the RBA will deliver just one more increase in December, which would leave us with a cash rate of 3.10% going into next year. 

How do we account for such different forecasts? For one, CBA has been much less hawkish on rates than its big bank peers, calling for caution in light of lags in the transmission of rate hikes.

Westpac, on the other hand, has emphasised the need for strong action to keep inflation from getting out of hand.

“The risk is that a ‘high inflation’ psychology emerges and is allowed to be sustained for longer, potentially making the challenge of bringing inflation back to target more difficult than necessary,” said Westpac chief economist, Bill Evans.

How far have property prices fallen?

Seven months of rate hikes have taken a heavy toll on the property market, with Sydney prices falling -10.2% since January and Melbourne prices down -6.4% since peaking in February.

But CoreLogic research director, Tim Lawless said the current downturn has been “orderly,” at least when compared to the frenzied growth the market experienced last year.

“This is supported by a below-average flow of new listings that is keeping overall inventory levels contained,” he said.

“There’s also tight labour market conditions, an accrual of borrower savings and a larger than normal cohort of fixed interest rate borrowers, who have so far been insulated from the rapid rise in interest rates.”

RELATED: Australia’s housing downturn enters its sixth month

Among other capital cities, home values dropped by -5.4% over the quarter in Brisbane, -4.3% in Canberra, and -4.1% in Hobart. Perth and Adelaide prices have been much more resilient in comparison, falling just -0.7% and -0.6%, respectively.

According to CommBank’s Household Spending Intentions (HSI) index, plans to buy a home declined by -3.1% in October and were down -27.3% over the year. 

The bank says the impact of this year’s rate hikes hasn’t yet been fully felt, warning that further weakness will begin to show in the market in the coming months. 

It expects a 15% fall in home values from peak-to-trough, though the downturn could be steeper if the RBA pushes the cash rate beyond CBA’s 3.10% forecast.

For more information on property and lending trends, head over to our home loan statistics page. And if you’re in the market for a home loan, visit our home loan comparison page, or browse the selection below.

* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don’t consider your personal objectives, financial situation or needs and we aren’t recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don’t cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

[endeavoursolar]

ACT Sustainable Household Scheme

The ACT Sustainable Household Scheme offers interest-free loans for eligible households. The program also offers loans to communities and not-for-profit organisations. Eligible households can request quotes from approved vendors. Once approved, the preferred vendors can take care of the loan process on behalf of the customer. They can also take care of the installation process.

ACT Sustainable Household Scheme eligibility

The Sustainable Household Scheme is a government program that helps ACT residents purchase and install energy-efficient products and services. It offers interest-free loans of up to $15,000 for new solar panels, battery storage systems, and efficient electric appliances. Residents can apply for a loan by logging on to the ACT Smart website. They will be given a personalised quote.

To apply for a Sustainable Household Scheme loan, ACT ratepayers must meet specific requirements. For example, they must live in a home valued below a certain UV threshold. Eligible households should register on Access Canberra to check their eligibility and apply for a zero-interest loan.

Loan limits

The ACT Sustainable Household Scheme offers a free, zero-interest loan to renovate your home and improve its energy efficiency. The program is open to individuals and landlords who wish to make energy efficiency improvements to their properties. The loans are spread over five years and can be used for a variety of purposes. However, applicants must meet certain eligibility requirements. These criteria include a credit check and a participation in an online workshop.

The Sustainable Household Scheme will provide up to $150 million in interest-free loans to eligible ACT households. These loans are for energy-efficient home improvements, such as installing solar panels or energy-efficient appliances. These loans will help ACT residents reduce their carbon footprint and contribute to the ACT's goal of being carbon neutral by 2045. Applicants must also demonstrate their financial capability to repay the loan.

Suppliers

The ACT Government has recently expanded eligibility for the Sustainable Household Scheme, which is a free loan program for household energy upgrades. As part of its $63 million climate change commitment in the 2017-18 budget, the scheme aims to reduce emissions and support healthy habitats in the ACT. It has been operating as a pilot program and will be made available to all eligible households in the coming months. To find out if your household is eligible, visit the Everyday Climate Choices website.

Eligible households can request a quote from a preferred supplier and start the loan application process with Brighte. Brighte offers renewable energy solutions through finance and is on a mission to turn every home in Australia into a greener place to live. As a preferred supplier, Brighte will handle the process for you and make sure your interests are protected.

Endeavour Solar is committed to provide quality solar system installations, every time. We aim to provide the pre-sale and after-sale support that gives you confidence in your decision to install a solar system.

[melbournenewsvine]

Switch to electricity says Climate Council

How much can you save? Families that switch to fully electric in Hobart can save up to $1,899 on their annual bills, in Canberra up to $1,876, in Adelaide $1,457, Brisbane $1,424, Melbourne $1,207, Sydney $924 and Perth $803. Climate Council researchers found that the biggest bill savings were in Brisbane, where gas is much more expensive than other capitals, and in Hobart and Canberra because of their cooler climates. The report says that connecting to the gas network, even if you don’t use gas, can cost hundreds of dollars a year in daily supply fees, with the most expensive annual bill being $280 for Melbourne residents. The wholesale price of gas has nearly tripled since last year, with 80 per cent of supplies shipped overseas, and Australia’s prices are tied to a volatile international market. Gas market prices in Victoria, Adelaide, Brisbane, Sydney and southeast Queensland, 2011/12 to 2021/22. (Source: Australian Energy Regulator, 2022.) attributed to him:Climate Council, Switch and Conservation Report Australian households meet their energy needs through a range of different fuel sources, and piped gas makes up nearly 40 per cent. In Victoria and the ACT, more than half of the energy used in homes comes from piped gas, while in Tasmania and Queensland, residential gas use is very low. How was it calculated? The total bill savings was calculated by combining the annual heating, cooking, and hot water bills for a home using gas appliances (including the daily connection fee) and comparing them to the combined bills for households with electrical appliances at the same level of use. Saul Griffiths, author big key The head of Rewiring Australia said his organization conducted a study last year that looked at the full electrification of Australian homes, including cars. It found that by 2030, the average household head should save between $3,000 and $5,000 a year. “If we re-analyze now, those numbers would be higher,” Griffiths said. “Of course, you have to run that with renewable electricity, but that’s now cheaper than coal.” What about the cost? There are of course costs associated with switching from gas appliances. Some purchases, such as solar and rooftop electrical devices, should be seen as an investment because they can generate significant savings so that the initial cost is effectively paid off over time, the researchers said. They calculated two response scenarios: one based on someone buying low-priced electrical appliances, at a cost of $7,800. The second is based on expensive hardware, priced at $14,900. Both scenarios included $3000 in installation costs. In Melbourne, this will take 8 and 12 years, respectively, while in Sydney it will take 13 and 16 years. Once Julie and her family installed the electric heat pump, they decided to turn off the gas duct heating and rely on electric panel heaters and, later, an induction stove. loading Jolie calculated that her family saves about $100 a month in energy costs, even though she now has another child and she and her partner are now working at home. Their transition was aided by a low-interest loan through the Victorian Government’s Solar Home Scheme. In addition to taking these steps at home, Jolie has hosted climate information sessions, spoken to her local Member of Parliament about her concerns and joined in environmental campaigns. “There are a lot of ways we can go about trying to mitigate the blows of climate change,” she said. Get to know the essence of what is happening with climate change and the environment. The biweekly environment newsletter brings you news, issues and solutions. Register here. Source link Originally published at Melbourne News Vine

[sunny-homes]

The Ultimate Guide to Buying a House in Canberra: Tips and Tricks

Tips and Tricks to Buy a House in Canberra

Are you considering buying a house in Canberra, the beautiful capital city of Australia? The process of purchasing a house can be exciting yet daunting, especially if you are unfamiliar with the local real estate market. To help you navigate through this journey smoothly, we have put together the ultimate guide to buying a house in Canberra.

Research the Canberra Housing Market:

Before diving into the house-hunting process, it is essential to research the Canberra housing market thoroughly. Take into account factors such as property prices, location preferences, and amenities available in different neighborhoods. This will enable you to narrow down your options and make informed decisions.

Seek Assistance from Builders in Canberra:

Engaging reputable builders in Canberra can make a significant difference in your house-buying experience. Experienced builders can guide you through the entire process, from selecting the right location and floor plan to handling construction and design details. They can help ensure that your dream home is built to your specifications, within your budget and timeframe.

Consider the Master Builders Association (MBA) in ACT:

The Master Builders Association (MBA) in the Australian Capital Territory (ACT) is a valuable resource for individuals looking to buy a house in Canberra. The MBA represents and supports the interests of builders, contractors, and suppliers in the construction industry. By choosing an MBA builder in ACT, you can have confidence in their professionalism and adherence to industry standards.

Sunny Homes: Your Trusted Partner in Home Buying:

When it comes to finding your dream home in Canberra, Sunny Homes is a name you can trust. As a leading builder and developer, Sunny Homes has a reputation for delivering high-quality, well-designed properties that cater to the diverse needs of homebuyers. They offer a wide range of house and land packages in desirable locations across Canberra, providing excellent value for money.

Determine Your Budget and Financing Options:

Establishing a budget is crucial when buying a house in Canberra. Take into account your current financial situation, including your income, savings, and credit score. Additionally, explore various financing options available to you, such as home loans or mortgage schemes, and consult with financial advisors to determine the best approach for your circumstances.

Engage a Reliable Real Estate Agent:

Working with a professional real estate agent who has extensive knowledge of the Canberra market can greatly simplify the house-buying process. They can help you find suitable properties, negotiate prices, and handle the legal and administrative aspects of the transaction. A trusted agent will have your best interests in mind and ensure a smooth and successful home-buying experience.

Inspections and Due Diligence:

Before finalizing your purchase, it is essential to conduct thorough inspections and due diligence. Hire qualified professionals to inspect the property for any structural or maintenance issues. Additionally, research the property's history, including previous sales, zoning regulations, and any potential development plans in the area.

Seek Legal Advice:

Engaging a solicitor or conveyancer is essential to ensure that all legal aspects of the property purchase are handled correctly. They will review the contracts, negotiate terms, and assist you with the settlement process. Their expertise will provide you with peace of mind and protect your interests throughout the transaction.

Buying a house in Canberra can be an exciting and rewarding experience. By following these tips and tricks, conducting thorough research, and seeking assistance from reputable builders and real estate professionals, you can navigate the process with confidence and find your perfect home in this vibrant city.

Remember, purchasing a house is a significant investment, so take your time, ask questions, and make informed decisions. Happy house hunting!