This week, we’re going to tell you how to buy a house with cash, a credit-card or both.
Read more about buying a home with cash or credit.
How to get a mortgage The cheapest house you can get for a mortgage is usually a 2-bedroom, 1.5-bath home.
Read our guide to finding the best mortgage for your needs.
What you need to know about credit card and mortgage insurance.
When you’re ready to buy, you need a credit or debit card that can be used to pay for the house.
Credit cards that don’t require a credit score are called “no-load” cards.
They don’t charge interest, so they’re a great choice for those who don’t want to pay a monthly fee.
If you need an extra level of security, consider a card with a security deposit of at least $1,000, plus an additional $500 to cover any unexpected expenses.
But remember that most credit cards don’t offer an auto loan option, so you’ll have to get your own car loan, or buy one through a car rental company.
Find out more about auto loans.
What happens when you pay off your mortgage?
When you’ve paid off your house’s mortgage, you’ll need to pay off the remaining balance on your home.
You can use the same credit card that you used to buy the house to pay this off.
If it’s a cash-only card, you can’t use it for the rest of the term.
However, if you use a debit card, it will work.
You’ll need the card to make any payments on the mortgage, such as a loan deposit.
How much interest is charged on your mortgage You’ll be charged interest on your loan at a rate of 3 per cent a month, plus any additional interest you pay on a credit statement.
How do I find the best house insurance?
You’ll find the right home insurance policy for you and your family at the Australian Insured website.
Read the best home insurance rates.
You won’t be charged any additional fees on your first payment if you choose the “all or nothing” option.
Read all the pros and cons of home insurance.
Find your policy on the Australian Insurance Brokers website.
What to do if you get a bad credit rating, find out about credit scoring and get advice on how to get credit for your home A bad credit score can lead to financial hardship and a range of problems.
Read about how to fix a bad rating and get credit.
The good news is that if you’re getting a bad score and need to make a payment, you should be able to get it.
If not, it could affect your credit rating and cause you to lose out on the interest that’s due on your debt.
The easiest way to get the payment you need is to pay the mortgage on time.
If the payment is late, you may need to get another mortgage or to pay cash instead.
If that doesn’t work, you could still get the balance you need through a credit union or through a home purchase.
You may also need to arrange for someone to help you with the payment if it’s late.
This may be an extra cost or a risk you shouldn’t take.
If there’s a problem with your credit score, you won’t always be able, however, to get money back if you don’t pay.
Find information on what happens if you default on your payments.
Find advice on getting credit for a bad mortgage.
Find more information about getting a good credit score.
What if you have a disability?
If you’re under 18, your insurer won’t cover your disability.
You might need to have a parent or guardian sign a contract agreeing to pay some of the cost of your care, including medical costs.
Read my story on how you can make sure your disability is covered.
Read how to tell if your insurer covers disability claims.
How can I find a good mortgage?
You can also check with your mortgage lender for mortgage options.
Check with your lender to find out how much you’ll pay.
What do you do if the house isn’t up to scratch?
If the property isn’t in good condition or you’re concerned about its health, your lender can usually take out a loan to make sure it stays in good working order.
If a mortgage isn’t available, you might be able a cash advance, a down payment, or a downpayment bonus.
If your mortgage is a credit line, you’re usually entitled to the amount on top of the interest rate, plus a percentage of the value of the house, so a downpay of $50,000 would be worth about $1 million.
Find details on how much mortgage interest you can expect to pay.
If money isn’t an issue, there’s usually no need to ask for a deposit.
Find the best credit card for you.
What can I do if my house doesn’t have the