If you’re considering buying a bike, you need to think about its purpose, as there are different types of bike frames and wheels to cater for different riding preferences. Find out how much it costs to buy a home and if you can get a first home discount.Calculate the stamp duty on property purchases in Western Australia (WA) using our calculator. Many pubs and restaurants also offer student discounts. Australia has a relatively high cost of living; however, wages are much higher than most countries. “ ...From the beginning the service, care and attention to my needs was outstanding. in Australia.You can compare accommodation arrangements, transportation options, entertainment activities and much more.Finding somewhere to live is a crucial component of a successful study experience in Australia. Find out with our credit rating calculator.Compare deposit guarantee premiums from several insurers. Calculate your profit using the negative gearing calculator.Stamp duty (transfer duty) is a one-off government fee paid by the purchaser of a property in New South Wales (NSW). to what happens almost everywhere else....”“ ...He was able to quickly and with minimal fuss, find us a loan at a good rate when others told us it would be too hard. If walking isn’t your style, buying a bicycle is a good investment and an excellent way to save money as a student.
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Try our Borrowing Power Calculator and find out how much the banks will lend you for your home loanShould you pay Lenders Mortgage Insurance & buy a home now or save for a bigger deposit? They also represent an ideal opportunity to save some money by adjusting your habits and tastes, so have a think about how you might be able to cut down on these costs.It is definitely possible to create a stylish outfit without spending a huge amount of money -- all it takes is a bit of know-how. Movie ticket AU$18.50 (concession) Find out about other lifestyle costs in Melbourne. And I love simple!Thank you for getting me a great deal with a home loan that really suited my needs....”“ ...absolutely outstanding!!!! You may be eligible for lower repayments with a fixed home loan at Will your home loan get knocked back for one off expenses?When banks assess your ability to borrow, one of the major factors they evaluate is your spending compared to income.Your living expenses are a good indication of your character as a potential borrower.Specifically, banks will first identify your necessary regular spendings such as your bills and groceries.They then compare that to your regular discretionary spending on items or activities that are not necessary on a day-to-day basis.For example, banks will raise red flags for regular spending at pubs and clubs or spending on luxury fashion items.The key to maximising your mortgage borrowing power is finding a lender that takes a common-sense approach to your spending.These lenders recognise areas where you can easily and quickly reduce your discretionary spending, such as in entertainment and dining out.Borrowers are required to manually work out their living expenses on a weekly or monthly basis when they complete their home loan application.You’ll still need to self-assess, but the calculator will give you a reasonably accurate indication of how your spending compares to the average monthly cost of living in Australia.The calculator result should act as a general guide only as your living expenses can vary significantly depending on how you choose to spend your money.It’s best to speak with a mortgage broker to discover whether there are lending options available to you.The calculator takes all basic living expenses into account such as groceries, utilities, phone, public transport/car and entertainment.The cost of renting or mortgage repayments is calculated separately so you can replace the figure with your own estimate after you decide where you’d like to live.The most expensive cities in Australia are Sydney and Melbourne, followed by Perth and Canberra. Buying groceries to make meals at home can be a lot cheaper, and it will often be healthier too! Single Myki fare AU$2.25 (concession) Restaurant meal AU$17-$30. Use our low doc BAS calculator to find out how the banks assess your income from your recent BAS.What is your borrowing capacity? There are a few things to weigh up when making your decision, including travel times to your institution, cost of accommodation, proximity to your friends, and the community surrounding you.