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	<title>Mortgage Choice</title>
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	<link>http://blog.mortgagechoice.com.au</link>
	<description>The easy way to stay informed about housing, property investment and home loans.</description>
	<lastBuildDate>Thu, 16 Feb 2012 22:24:50 +0000</lastBuildDate>
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		<title>From our CEO: Are you making the right rate reaction?</title>
		<link>http://blog.mortgagechoice.com.au/2012/02/from-our-ceo-are-you-making-the-right-rate-reaction/</link>
		<comments>http://blog.mortgagechoice.com.au/2012/02/from-our-ceo-are-you-making-the-right-rate-reaction/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 22:24:50 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Cash rate]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[refinancing]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1567</guid>
		<description><![CDATA[The bold decision this month by some lenders to move their home loan interest rates out of step with the Reserve Bank has signalled to borrowers that home loan interest rates could shift at any time, in any direction and by any amount. Borrowers need to be aware of this changed interest rate environment and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Lifestyle Series: Empty Nesters</title>
		<link>http://blog.mortgagechoice.com.au/2012/02/lifestyle-series-empty-nesters/</link>
		<comments>http://blog.mortgagechoice.com.au/2012/02/lifestyle-series-empty-nesters/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 06:29:45 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Lifestyle series]]></category>
		<category><![CDATA[Top tips for property & home loans]]></category>
		<category><![CDATA[empty nest]]></category>
		<category><![CDATA[empty nesters]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[planning for retirement]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1524</guid>
		<description><![CDATA[We will be publishing a series of blog posts discussing possible life changing events, how it impacts your finances and most importantly, the biggest commitment you may have – your mortgage. Our posts are contributed by Mortgage Choice brokers covering a number of topics including (in no particular order): Planning for marriage Planning to have [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Tips for budgeting, spending and managing your mortgage</title>
		<link>http://blog.mortgagechoice.com.au/2012/01/tips-for-budgeting-spending-and-managing-your-mortgage-2/</link>
		<comments>http://blog.mortgagechoice.com.au/2012/01/tips-for-budgeting-spending-and-managing-your-mortgage-2/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 00:47:26 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[extra repayments]]></category>
		<category><![CDATA[home loan tips]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[paying off mortgage]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1511</guid>
		<description><![CDATA[Becoming a better budgeter, wising up on spending and making the most of any savings can help borrowers master their mortgage and own their home outright sooner. The beginning of the year is an ideal time to set new financial resolutions if your goal is to pay off your mortgage sooner. Challenge yourself to increase your home loan repayments [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Plan your New Year property purchase</title>
		<link>http://blog.mortgagechoice.com.au/2012/01/plan-your-new-year-property-purchase/</link>
		<comments>http://blog.mortgagechoice.com.au/2012/01/plan-your-new-year-property-purchase/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 07:43:35 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Top tips for property & home loans]]></category>
		<category><![CDATA[borrowing capacity]]></category>
		<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[home loan pre-approval]]></category>
		<category><![CDATA[home loan repayments]]></category>
		<category><![CDATA[open home]]></category>
		<category><![CDATA[property inspection checklist]]></category>
		<category><![CDATA[property purchase planning]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1484</guid>
		<description><![CDATA[If owing a property is on your checklist for 2012, now’s a good time to start planning. As with any major purchase, the more research and preparation you do, the better chance you have of buying something that&#8217;s right for you. Know your limits Before setting off to find your dream property, it’s best to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Two consecutive rate cuts and what it means for you</title>
		<link>http://blog.mortgagechoice.com.au/2011/12/two-consecutive-rate-cuts-and-what-it-means-for-you/</link>
		<comments>http://blog.mortgagechoice.com.au/2011/12/two-consecutive-rate-cuts-and-what-it-means-for-you/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 01:06:14 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[extra repayments]]></category>
		<category><![CDATA[interest rate cut]]></category>
		<category><![CDATA[mutuals]]></category>
		<category><![CDATA[rate cut]]></category>
		<category><![CDATA[RBA]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1475</guid>
		<description><![CDATA[Current mortgage holders The RBA’s December rate cut of 25 basis points is the first consecutive rate cut since 2009. If you have a home loan, keep a close eye on you lender to see if they pass on the reduction. While the November rate cut was passed on quickly by the big four banks, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Boosting your chances of a home loan approval</title>
		<link>http://blog.mortgagechoice.com.au/2011/12/boosting-your-chances-of-a-home-loan-approval/</link>
		<comments>http://blog.mortgagechoice.com.au/2011/12/boosting-your-chances-of-a-home-loan-approval/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 03:35:26 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[home loan application]]></category>
		<category><![CDATA[home loan approval]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1455</guid>
		<description><![CDATA[Saved a deposit for a property? Before applying for a home loan make sure your paperwork is organised and ensure your finances have a clean bill of health. To assess your borrow power, lenders will require information about your financial history and current financial position. Documents required include evidence of consistent employment with documentation detailing [...]]]></description>
		<wfw:commentRss>http://blog.mortgagechoice.com.au/2011/12/boosting-your-chances-of-a-home-loan-approval/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rent or Buy</title>
		<link>http://blog.mortgagechoice.com.au/2011/11/rent-or-buy/</link>
		<comments>http://blog.mortgagechoice.com.au/2011/11/rent-or-buy/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 03:06:27 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[buy]]></category>
		<category><![CDATA[buy first home]]></category>
		<category><![CDATA[first home buyer]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[rent vs buy]]></category>
		<category><![CDATA[renter]]></category>
		<category><![CDATA[renting]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1430</guid>
		<description><![CDATA[Owning your own home Although renting is often a cheaper option, in the long run, the money you pay on a mortgage goes towards your own financial benefit, not someone else’s. There are also many other good reasons to get into the property market: A buyer’s market: The RBA’s recent 0.25 per cent interest rate [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Offset accounts: How to utilise your savings</title>
		<link>http://blog.mortgagechoice.com.au/2011/11/offset-accounts-how-to-utilise-your-savings/</link>
		<comments>http://blog.mortgagechoice.com.au/2011/11/offset-accounts-how-to-utilise-your-savings/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 00:15:39 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[offset account]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1406</guid>
		<description><![CDATA[We’ve become a nation of savers, but are underutilising those extra funds by storing them in facilities that are slugged by the taxman, a Mortgage Choice survey has revealed. Squirreling away our extra dollars in savings accounts and/or term deposits has become second nature for many Australians, rather than using home loan features that allow [...]]]></description>
		<wfw:commentRss>http://blog.mortgagechoice.com.au/2011/11/offset-accounts-how-to-utilise-your-savings/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>5 spring tips for home buyers</title>
		<link>http://blog.mortgagechoice.com.au/2011/10/5-tips-for-home-buyers/</link>
		<comments>http://blog.mortgagechoice.com.au/2011/10/5-tips-for-home-buyers/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 04:14:56 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1361</guid>
		<description><![CDATA[- Written by Antonia Magee, author of The Property Diaries and Living Thin. As this year’s spring auction season passes its halfway mark, many first home buyers will still be left wondering when their own house number will come up. For those of you who are yet to dip your toe into the market, here [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Budgeting with a home loan in mind</title>
		<link>http://blog.mortgagechoice.com.au/2011/10/budget-with-a-home-loan/</link>
		<comments>http://blog.mortgagechoice.com.au/2011/10/budget-with-a-home-loan/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 03:19:51 +0000</pubDate>
		<dc:creator>Mortgage Choice</dc:creator>
				<category><![CDATA[Home Loans]]></category>

		<guid isPermaLink="false">http://blog.mortgagechoice.com.au/?p=1341</guid>
		<description><![CDATA[Budgeting might not sound like much fun but once set in place it has the ability to lighten the load by freeing up your money and time, for the important things in life. No matter what your goals are, saving for your first home, meeting your mortgage repayments or building the best financial situation for [...]]]></description>
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