Savings tips to buy your first home

Spas A Adelaide in partnership with our friends from Mortgage brokers Northern Beaches presents:

 

savings tips to buy your first homeTips For Saving To Buy Your First House

Buying a house is something that a lot of people dream about, but this has become increasingly difficult for first-time buyers. Saving up to buy a house can be a daunting task, but there are a number of tips that you can use to help. It is important that you consider these tips as they could make saving to buy your first home much easier.

Start Saving As Soon As Possible

When it comes to saving up to buy a house, it is never too soon to start. The longer you save, the larger the initial deposit you will have and this is very important. Larger deposits will bring better rates and will lower the amount that you have to repay. It is also important to note that you are not only saving up for the deposit.

There are a number of other costs that come with buying a house that you need to have money to cover. Some of the costs that you need to cover will be the legal fees and moving costs. Depending on where you are buying a property, you could also be faced with stamp duty or a transfer tax. You need to save up to cover these costs along with the deposit.

Know How Much You Need To Save

One of the keys to saving up for your first home is knowing how much you actually need to save. There are some mortgage lenders who require that you pay only 5% of the total price of the property as a deposit. However, if you were to save 10 to 20% of the total price, you will gain access to better mortgage deals and you could get a higher loan amount.

When you know how much you need to save as a percentage of the total price, you will be able to calculate how much you need to put away each month. To do this, you will first need to find out what the average home prices are in the area that you want to buy. It is important that you remember these prices are likely to increase during the time that you are saving so you need to be flexible. You should then calculate what 20% of the total price will be and then determine how much you can realistically put away to reach this amount in a fair amount of time.

Where You Save

Where you have your savings is very important because it will impact how quickly you could save the amount you need. If you are looking at a short-term savings plan, you should consider a regular savings account. These accounts will generally require you to put in a certain amount of money each month to maintain the interest rates and you will generally not be able to withdraw without notice.

If you are looking at a long-term saving plan, you should consider fixed rate bonds. You will need to invest a set amount and determine the term. You will not be able to touch the money for this term, but you will be able to compound the interest to earn more.

The SGS Breeze 540 – Product Review

SGS Breeze 540The SGS Breeze 540 is a salt water chlorinator produced by Saline Generating Systems (SGS) who are based in America. Although not suitable for spas and hot tubs, we thought a review of this product would be suitable on this site for visitors who also own large swimming pools.

The SGS Breeze 540 is capable of handling around 40,000 gallons water which suits most inground pools that are around today. The unit produces clean, clear, soft and sparkling pool water that makes swimming an absolute pleasure and it is also pleasing to look at.

Performance

In terms of this unit’s performance, the SGS Breeze 540 will deliver reliable and consistent results. The unit makes certain that your swimming pool is consistently provided with the correct levels of chlorine to stop the water being susceptible to bacteria, algae and other forms of contamination.

The system needs little maintenance and features an inbuilt self-cleaning function that switches the poles every 6 hours of run time. This greatly reduces build-up of calcium in the cell plates. Occasionally you can expect to have to clean the system yourself and the cell’s plates are appropriately spaced out for convenient cleaning by use of a appropriately designed cleaning tool that comes with the unit.

Continuing with the is to use design theme, the chlorine generator’s cell is positioned specifically within a see through housing allowing for quick inspection of the cell condition. Cell cleaning is very simple and easy and you do not need to use acid based solutions to clean calcium build-up. Thus the cell is expected to last longer than the average cell and you will have crystal clear water all year round.

Operation

The SGS Breeze 540’s easy to use controls helps to make this unit an ideal system to manage chlorine levels of your swimming pool water. The control panel interface is made up of a 1 touch control panel which is designed to use even beneath the most harsh environment. The control panel is quick and simple to work with. You can find easy to view LED lights which display the present operating status of the unit.

Backed by a five year warranty (if put in from a qualified technician) clearly shows that this unit is capable of providing clear, chlorinated water for quite some time without fault. This SGS Breeze 540 salt water chlorine generator delivers a quick and simple solution to keep hard wearing pool water sparkling and clean. The device is created for the homeowner and this SGS chlorinator delivers optimal performance combined with ease of use and easy installation.

Feature List

  • User friendly
  • Energy-efficient
  • Industrial grade build for much longer lifespan
  • Automatic cleaning system by using a reverse polarity function and well positioned cell plates
  • Features the ability to tolerate different salt types and levels prolonging cell lifespan
  • See through cell enclosure that allows easy inspection of cell status
  • Created 40,000 gallon pools

Locksmith North Brisbane

Spas A Adelaide - Locksmith North Brisbane BannerEntirely not Spas or Hot Tubs or Swimming Pools or any type of leisure activity related, but shouts are due where shout outs are due.

My friend recently took a trip to Brisbane, I won’t mention his name so I don’t embarrass him but he’ll know who he is when he reads this post, and he side in the beautiful seaside suburb of Sandgate.

Being a bit of a traveller, my mate decided to drive the fair distance, and he also organised accomodation in a holiday home in Sandgate for himself and his lovely family. This trip was designated to be a bit of a break for the family and a chance to spend some quality time together, especially the road trip would ensure that.

Anyway, I’m getting to the point, so they arrive at their holiday home which he tells me was stunning and more than comfortable. Himself, wife and kids quickly settle in a begin to relax. A few outings here and there were had but mostly it was just relax time for these guys.

All was fine and dandy, up until one said outing. A wonderful day had been spent visiting Brisbane city (well, not so wonderful for my mate as we all know how much as guys love shopping) wondering around browsing and shopping.

Upon arrival back home at the holiday house in Sandgate, after a big day out and everyone feeling tired, husband and wife stood at the front door looking at each other expectantly. One was waiting for the other to produce the house keys and unlock the front door. A little communication soon revealed both were without keys.

A quick patrol of the entire house and it’s entry ways by one of the kids quickly revealed the solemn news that they were indeed locked out of the holiday home.

Now, neither my mate nor my mate’s wife were experienced in emergency gain entry, so their only option was to seek help. First course of action was to get in contact with the agent they booked the accomodation through – being after hours there was a slim chance of success – and no answer was the response.

A quick search on the internet for locksmith north brisbane presented my friend with a range of options, the first one being the choice of business to call. A quick call to the locksmith resulted in a gentleman by the name if Stephen turning up within 20 minutes and within 3 minutes the front door was unlocked.

Wow, what a service! This guy had a solution to my friend’s problem and solved it without fuss and for a reasonable price. My friend tells me the service and friendliness and understanding that Stephen showed was impeccable. Well done Stephen!

Needless to say, the keys were sitting on the kitchen counter.

Shout out to locksmith north brisbane for providing good old fashioned service and “delivering the goods” when needed.