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Boom time in the ‘burbs

Great expectations in Shepparton

The Greater Shepparton area in central Victoria is amongst the most culturally interesting municipalities in the state. Its inhabitants have always been diverse and historically this area has special significance for the many indigenous clans of the Yorta Yorta people.

Today, this region just two hours north of Melbourne is responsible for producing around 25 per cent of Victoria’s rural output across its dairy, fruit growing and agricultural industries.

With its abundance of good food, award-winning wine and natural beauty including the majestic Goulburn River which flows through the region, it’s easy to see why this area has such broad appeal.

Real estate opportunities vary across the region from the city of Shepparton and the townships of Arcadia, Ardmona, Congupna, Dookie, Grahamvale, Kialla, Lemnos, Merrigum, Mooroopna, Murchison, Tallygaroopna, Tatura, Toolamba and Undera.

Affordable housing can be found across the board and in a fairly new trend, property pundits from Melbourne and beyond have turned their gaze to the region where steady house price growth and solid rental yields on investment properties are attracting much interest.

The local market has also received a boost from recently announced state and federal government grants encouraging first home buyers to take the plunge – a statewide trend.

It’s an exciting time for Greater Shepparton with unprecedented injections of government funding into the city including $168 million for the local hospital, $73 million for the new courthouse and $35 million for the new Shepparton Art Museum reinvigorating the area and giving locals a variety of new employment opportunities.

If you are thinking about buying or selling in this beautiful region, our trusted local conveyancers are ready to help. They will explain everything you need to know and guide you through the process, step by step.

At Settle Easy, we make the conveyancing part of your property journey as simple as possible. Our user-friendly online conveyancing platform and Shepparton conveyancers will help you every step of the way to ensure you settle easy.

For more information call 1800 88 66 88 or visit www.settleasy.com.au

Melbournes Eclectic Inner North - Buy Homes - Sell Homes - Settle Easy

Melbourne’s eclectic inner north

Melbourne’s eclectic inner north. The once-industrial working class suburbs of Melbourne’s inner northern suburbs including North Melbourne, Parkville, Carlton, Fitzroy, Northcote, Coburg, Collingwood, Preston, Thornbury, Brunswick, Princes Hill and Hotham Hill, have been inventing and reinventing themselves since colonial times.

Like most places, a quick glance at the built environment of these interesting suburbs with their mix of warehouses, factories, single-fronted homes and larger dwellings tells just one tiny snippet of a fascinating past. But it’s the brilliant diversity of the people and local artisan businesses across these suburbs that really make these colourful places come to life.

Today’s property market reflects the popularity of this region. It’s the only place that has trams, trains and buses, two beautiful local creeks, well-maintained bike paths and lots of green spaces all less than 10kms from Melbourne’s CBD. 

Students love living close to the universities which is great news for investors, while a little further out, in places like Brunswick, Thornbury and Preston with their great local schools, close-knit communities and customer-centric local businesses, make these areas a natural choice for young families and everyone in between.

Whether you are looking for a low-maintenance unit, a modern apartment or a period home, this area has it all. And whether you want to make this part of the world home, or are tempted to add to your investment portfolio, there is sure to be something to take your eye.

It’s great news if you’re selling property in Melbourne’s inner north. Right now, properties are being snapped up in a few short weeks. Despite a bumpy year for the property market, a string of inner suburbs have seen huge house price jumps. 

Collingwood alone recorded sale rises of between 29.6 and 36.5 per cent in the median house prices for the year to September compared with 2019.

If you are thinking about buying or selling in this vibrant multicultural hub just north of the city, our trusted local conveyancers are ready to help. They will explain everything you need to know and guide you through the process, step by step.

At Settle Easy, we make the conveyancing part of your property journey as simple as possible. Our user-friendly online conveyancing platform and Melbourne’s inner north conveyancers will help you every step of the way to ensure you settle easy. 

For more information call 1800 88 66 88 or visit www.settleasy.com.au

Top 5 Tips for Paying Off Your Mortgage Faster - Settle Easy

Top 5 tips for paying off your mortgage faster

At Settle Easy, we know that buying property and committing to a mortgage is a really big deal. Most mortgages are based on a 30-year amortization, meaning they are paid off in full after 30 years – but how good would it be to pay your mortgage off sooner?

Here are our top five tips for paying off your mortgage a whole lot faster.

  1. Pay more than the minimum repayments
    This doesn’t mean you have to pay more every single repayment, but the more you pay and the more often you pay it, the more time and money you will save long term. Every single dollar you put into your mortgage above your repayment amount affects the capital, which means down the track, you’ll be paying interest on a smaller amount. Extra lump sums or regular additional repayments will help you cut many years off the term of your loan.
  2. Budget effectively
    Outgoings can add up quickly so be careful about big-ticket items, but don’t forget that ‘micro spending’ on things like take away coffee, bottled water or that spur of the moment treat can all add up too.
    Let’s say you enjoy popping into your local cafe to buy takeaway coffee most days. That might cost you $4 a day or $20 per week. If you only buy one takeaway coffee per day, over the course of a year, that’s $1,040 which in after-tax income, could mean you’ll have to earn $2,000 a year to pay for your caffeine addiction – it all adds up.
  3. Review your loans regularly
    Life changes and so should your mortgage. That’s why we recommend you give your home loan a health check every 12 months to make sure it’s still right for you. You might have changed jobs, welcomed a new family member or received a pay rise within the last year – these things can all affect your home loan. Ask your lender about lower interest rates or a better deal on your home loan. If your lender can’t help, shop around – it might just save you thousands and has the potential to shorten the lifespan of your loan.
  4. Offset accounts can really help
    If you have any spare cash, put it into an offset account attached to your home loan.
    Any money in an offset account reduces the balance used to calculate interest. The more money in the offset account, the less interest you will have to pay!
  5. You do you
    Don’t compare your life against what others appear to have. If your goal is to pay off your mortgage sooner, maybe rethink that expensive holiday or find a way of making more money via a second job or smart investment.
    And if you need refinancing advice, are in the market for a home loan or are thinking about investing in property, talk to the experts. Our partners @mylocalbroker work around the clock to meet the needs of their customers. Their number one aim is to match their customer’s goals with the best possible solution – every time.

For all your conveyancing needs, Settle Easy’s trusted conveyancers are here to help. We take special care to look after you every step of the way so you can focus on what matters most.  

Ballarats Time To Shine Again - Residential Real Estate Ballarat, Victoria

Ballarat’s time to shine again

Ballarat’s time to shine again? Victoria’s largest inland city and arguably Australia’s most famous gold rush town – Ballarat – is a thriving hub of contemporary arts, events and award-winning foodie offerings all embedded within its fascinating past. With a median house price sitting around $550,000, is it any wonder this jewel in Victoria’s crown is attracting so much attention?

Keen to take advantage of new working from home opportunities and fresh beginnings, first home buyers armed with low interest rates, the extension of the federal government’s First Home Loan Deposit Scheme and other state-based incentives, are just one cohort turning their attention to ‘the capital of Western Victoria’ where the possibility of a bricks and mortar investment is no longer a pipe dream. 

And this historic treasure is only 110km west of Melbourne, a trip that takes just over an hour by train to Southern Cross Station, or if driving is more your thing, it’s an easy trip along the Western Highway. 

Ballarat property experts are reporting high levels of interest across all sectors of the market, from first-time buyer homes to high end properties and everything in between. Even pockets like Sebastopol and Ballarat East that have not always kept up with sale price increases are benefiting from current high demand and short supply. 

The city is home to just over 100,000 people, and with a multitude of significant infrastructure projects in the works, the local economy is in great shape right now.

Just one of these projects, the Ballarat GovHub will become home to up to 1000 Victorian Government employees, including up to 600 public sector positions relocated from Melbourne in 2021. It’s expected that GovHub will revitalise a major part of the Ballarat CBD, generate long-term jobs growth, increase business confidence and further private sector investment.

Whether people are investing in the region because of the lifestyle, housing affordability or job re-location, an excellent mix of private and public schools, great recreational and medical facilities round out everything Ballarat has to offer. 

If you have decided to move to beautiful Ballarat, why not let our trusted conveyancing team help?

At Settle Easy, we make the conveyancing part of your property journey as simple as possible. Our user-friendly online conveyancing platform and trusted Ballarat conveyancers will help you every step of the way to ensure you settle easy. 

For more information call 1800 88 66 88 or visit www.settleasy.com.au