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You know when you go to the shops and you are at the checkout and the final tally comes up and you are short of cash and have to put things back? Well if my personal budget is comparable to a supermarket shopping trip like that then I had to put back half the store! Granted, my returns would have been compared to items from the "luxuries" aisle, but then you get used to those type of things don't you?

Many clients are still thinking about fixed. It may be a pretty uncertain time to consider a fixed if competition is going to come back in a big way (as I always say - it is your own decision of course and should be decided upon with your own financial needs taken into account).

Such mistakes however can be avoided by simply speaking to a number of people including a real estate agent, your broker and a Valuer either independently or collectively to determine a course of action before starting any process. We're only a phone call way and would much rather see people avoid the mistakes than experience them.

Property price growth will be subdued for the next 10 years, an industry commentator has claimed. Speaking to The Adviser, BIS Shrapnel's managing director Robert Mellor said property prices will grow by no more than 5 per cent each year.

Realestatezing.com offers updated information and valuable resources on Home Mortgage and the financial institutions that provide the mortgage loans in your region.

NEP: New Economics Papers Urban and Real Estate Economics Edited by: Steve Ross University of Connecticut Issue date: 2012-04-17 Papers: 23 Note: Access to full contents may be restricted.  NEP is sponsored by SUNY Oswego. To subscribe/unsubscribe follow this link http://lists.repec.org/mailman/options/nep-ure In this issue we have: Is India's Manufacturing Sector Moving Away From Cities? Ejaz Ghani; Arti Grover Goswami; William R. Kerr A Regional Model of Endogenous Growth with Creative Destruction Steven Bond-Smith Local average neighborhood effects from moving to opportunity Dionissi Aliprantis; Francisca G.-C. Richter Compulsory Schooling Laws and In-School Crime: Are Delinquents Incapacitated? Gregory A. Gilpin; Luke A. Pennig What price a roof? Housing and the cost of living in 16th-century Toledo Drelichman, Mauricio; Gonzalez Agudo, David Well-Being in Germany: GDP and Unemployment Still Matter Johannes Vatter Landfill Diversion in a Decentralized Setting: a Dynamic Assessment of Landfill Taxes Massimiliano Mazzanti; Francesco Nicolli Taxing home ownership: distributional effects of including net imputed rent in taxable income Francesco Figari; Alari Paulus; Holly Sutherland; Panos Tsakloglou; Gerlinde Verbist; Francesca Zantomio Early Childhood "Pay-For-Success" Social Impact Finance: A PKSE Bond Example to Increase School Readiness and Reduce Special Education Costs Robert Dugger; Robert Litan Complex Methods in Economics: An Example of Behavioral Heterogeneity in House Prices Bolt, W.; Demertzis, D.; Diks, C.G.H.; Van der Leij, M.J. Robust Test for Spatial Error Model:Considering Changes of Spatial Layouts and Distribution Misspecification Guo, Penghui; Liu, Lihu Comparing Treatments across Labor Markets: An Assessment of Nonexperimental Multiple-Treatment Strategies Carlos A. Flores; Oscar A. Mitnik Understanding Places Using a Mixed Method Approach Deutsch, Kathleen E; Goulias, Konstadinos G. Hope VI Fairfield Court Neighborhood: 2011 Evaluat

I am always amazed when I speak to people that they are in many cases paying standard variable rates for their home loan, or worse - when they don't have to. The sad thing is that it costs them valuable dollars in these tough times!

The Federal Budget was considered lack-lustre by many commentators when it was delivered in early May but there are a few surprises in it that will be sure to have an effect on your home loan and your spending future.

Are you eligible for the First Home Owners Grant? You are eligible for the Australian Government's First Home Owner Grant if you: Are an Australian citizen or permanent resident Are buying or building your first home in Australia Have the intention of occupying the property as your principal place of residence within 12 months of the settlement and living in it continuously for at least 6 months

The July 5th announcement by the RBA to leave rates on hold for the 7th consecutive month came as no surprise to me. Inflation figures have proved what I have been saying all the time, "that we are not in as good a shape as the RBAthinks we are". But thats not all bad, we have been saving..so the money is still there.

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