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Kelly Luff

Kelly has a degree in Media Arts. A previous competitor in Masterchef, Kelly writes mostly on matters relating to personal finance and banking.

Kelly is a Marketing Executive at checkmyfile.

Articles Recently Posted by Kelly Luff

Mortgages and your credit score

When you decide that you want to buy a home of your own, what do you do first? Whilst many of us would like to say “organise our finances, work out what we can easily afford, then think about looking at property” is this what actually happens?

More often than not, we get caught up in the excitement of looking – now at the touch of a tablet or mobile phone we are able to see houses for sale or up for auction. Before you know it, you are upping the budget in $10,000 increments and working back through to the monthly mortgage payments to see if you can stretch your monthly income to pay back the loan.

So, in an ideal world, what should you do before you look for that dream home? Well the first step is to check your 10 Nov 2015 by

Kelly Luff

 in 

Credit Score

Full Article

Tenants could be better off than property owners in the short term

Renters are sometimes portrayed in the media in a dim light compared to their house buying friends, but new research finds that renters could potentially be better off over the next few months.

With rent costs decreasing across Australia and a warning from investment bank Macquarie that we have five months before house prices start to fall, now could be a better time to rent than buy.

Housing cycle predictions are common and with signs of the market slowing beginning to show, particularly when interest rates are expected to increase, house prices could fall.

The rampant housing market has been partly to blame, but both rental price drops and the slowing of the market can be attributed to the construction boom, which h .....

19 Oct 2015 by

Kelly Luff

 in 

Mortgages

Full Article

NAB confirms 40 postcodes on their credit watchlist

If you are in a ‘default hotspot’ you may find that lenders complete more checks as they assess your risk on borrowing

28 Sep 2015 by

Kelly Luff

 in 

Credit Reports

Full Article

Experts warn not to wait for a better home loan rate

Interest rates are at a record low but will home loan rates continue to drop or should you fix now?

1 Aug 2015 by

Kelly Luff

 in 

Mortgages

Full Article

Two-thirds of online fraud made from overseas

Fraud is on the increase in Australia but two-thirds of fraudulent online transactions are now made from overseas

9 Jul 2015 by

Kelly Luff

 in 

Identity Theft

Full Article

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