loan repayments Archives - Kitty & Miles®

How After-Pay and Other Buy-Now-Pay-Later Schemes Can Affect Your Home Loan Chances

Buyers agent Sydney

The ‘buy now, pay later’ service that keeps our bank accounts in surplus no matter how many Christmas presents we buy and stockpile throughout the year… But now you’ve accrued a debt, how will that look on your home loan application?

Continue reading

after pay buy now pay later buyers advocate buyers agent buyers agent Sydney buying a home credit credit scores down payment expenses finances first home buyer home home buyer home buying home loan income kitty and miles late payments lender lenders loan repayments managing finances money management money owed repayment history repayments savings spend wisely

APRA’s Intervention and How It Affects You

Buyers agent Sydney

Since APRA’s announcement earlier this week, people from various groups have chimed in to discuss how changes to lending requirements may influence and control property buyers’ decisions in the near future…

Continue reading

bank loan first home buyer grants home builder home buyer home loan homeowners housing housing system interest rates investment investor kitty and miles lenders loan loan approval loan repayments property market real estate real estate industry

Translate »

#wpadminbar #wp-admin-bar-p404_free_top_button .ab-icon:before{content:"";color:red;top:2px;}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}p.hello{font-size:12px;color:darkgray;}#google_language_translator,#flags{text-align:left;}#google_language_translator{clear:both;}#flags{width:165px;}#flags a{display:inline-block;margin-right:2px;}#google_language_translator{width:auto !important;}div.skiptranslate.goog-te-gadget{display:inline !important;}.goog-tooltip{display:none !important;}.goog-tooltip:hover{display:none !important;}.goog-text-highlight{background-color:transparent !important;border:none !important;box-shadow:none !important;}#google_language_translator select.goog-te-combo{color:#32373c;}#google_language_translator{color:transparent;}body{top:0px !important;}#goog-gt-{display:none !important;}font font{background-color:transparent !important;box-shadow:none !important;position:initial !important;}#glt-translate-trigger{left:20px;right:auto;}#glt-translate-trigger > span{color:#fff;}#glt-translate-trigger{background:#f89406;}.goog-te-gadget .goog-te-combo{width:100%;}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}@media screen and (max-height: 1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}@media screen and (max-height: 640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}.bg-title h2:after{content:"";background:#fcc7c3;width:45%;height:20px;display:block;float:none;margin:auto;margin-top:-20px;}.elementor-4185 .elementor-element.elementor-element-46e075c .elementor-repeater-item-07837da.jet-parallax-section__layout .jet-parallax-section__image{background-size:auto;}.elementor-4185 .elementor-element.elementor-element-30d272e > .elementor-element-populated{padding:5px 5px 5px 5px;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-repeater-item-3e2bc8f.elementor-social-icon{background-color:#2c4765;}.elementor-4185 .elementor-element.elementor-element-55ff766{--grid-template-columns:repeat(0,auto);--icon-size:17px;--grid-column-gap:5px;--grid-row-gap:0px;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-widget-container{text-align:right;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-social-icon{background-color:#2c4765;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-social-icon i{color:#fff;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-social-icon svg{fill:#fff;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-social-icon:hover i{color:#fcc5c4;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-social-icon:hover svg{fill:#fcc5c4;}.elementor-4185 .elementor-element.elementor-element-46e075c:not(.elementor-motion-effects-element-type-background),.elementor-4185 .elementor-element.elementor-element-46e075c > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#2b4665;}.elementor-4185 .elementor-element.elementor-element-46e075c{transition:background .3s,border .3s,border-radius .3s,box-shadow .3s;}.elementor-4185 .elementor-element.elementor-element-46e075c > .elementor-background-overlay{transition:background .3s,border-radius .3s,opacity .3s;}.elementor-4185 .elementor-element.elementor-element-05a974c .elementor-repeater-item-f64a2ef.jet-parallax-section__layout .jet-parallax-section__image{background-size:auto;}.elementor-bc-flex-widget .elementor-4185 .elementor-element.elementor-element-60b4312.elementor-column:not(.raven-column-flex-vertical) .elementor-widget-wrap{align-items:center;}.elementor-4185 .elementor-element.elementor-element-60b4312.elementor-column.elementor-element[data-element_type="column"]:not(.raven-column-flex-vertical) > .elementor-widget-wrap.elementor-element-populated{align-content:center;align-items:center;}.elementor-4185 .elementor-element.elementor-element-60b4312.elementor-column.elementor-element[data-element_type="column"].raven-column-flex-vertical > .elementor-widget-wrap.elementor-element-populated{justify-content:center;}.elementor-4185 .elementor-element.elementor-element-4c96173 .raven-site-logo{text-align:left;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-main .raven-nav-menu > li > a.raven-menu-item{font-family:"Montserrat",Sans-serif;font-weight:500;text-transform:uppercase;padding:0px 10px 0px 10px;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-main .raven-submenu > li:not(:last-child){border-bottom-width:1px;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-mobile .raven-nav-menu li > a{font-family:"Montserrat",Sans-serif;font-weight:500;text-transform:uppercase;padding:8px 32px 8px 32px;color:#fff;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-mobile .raven-nav-menu li > a:hover{color:#fcc7c3;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-mobile .raven-nav-menu li > a.raven-menu-item-active,.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-mobile .raven-nav-menu li > a:active{color:#fcc7c3;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-toggle{text-align:center;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-mobile{background-color:#2b4665;}.elementor-4185 .elementor-element.elementor-element-05a974c:not(.elementor-motion-effects-element-type-background),.elementor-4185 .elementor-element.elementor-element-05a974c > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#fff;}.elementor-4185 .elementor-element.elementor-element-05a974c{border-style:solid;border-width:5px 0px 0px 0px;border-color:#fcc7c3;transition:background .3s,border .3s,border-radius .3s,box-shadow .3s;padding:20px 0px 20px 0px;}.elementor-4185 .elementor-element.elementor-element-05a974c > .elementor-background-overlay{transition:background .3s,border-radius .3s,opacity .3s;}.elementor-4185 .elementor-element.elementor-element-8a04980 .elementor-repeater-item-f64a2ef.jet-parallax-section__layout .jet-parallax-section__image{background-size:auto;}.elementor-bc-flex-widget .elementor-4185 .elementor-element.elementor-element-3427a1c.elementor-column:not(.raven-column-flex-vertical) .elementor-widget-wrap{align-items:center;}.elementor-4185 .elementor-element.elementor-element-3427a1c.elementor-column.elementor-element[data-element_type="column"]:not(.raven-column-flex-vertical) > .elementor-widget-wrap.elementor-element-populated{align-content:center;align-items:center;}.elementor-4185 .elementor-element.elementor-element-3427a1c.elementor-column.elementor-element[data-element_type="column"].raven-column-flex-vertical > .elementor-widget-wrap.elementor-element-populated{justify-content:center;}.elementor-4185 .elementor-element.elementor-element-afadda2 .raven-site-logo{text-align:left;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-main .raven-nav-menu > li > a.raven-menu-item{font-family:"Montserrat",Sans-serif;font-weight:500;text-transform:uppercase;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-main .raven-submenu > li:not(:last-child){border-bottom-width:1px;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-menu-item i._mi{color:#2b2929;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-submenu-item i._mi{color:#2b2929;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-menu-item .sub-arrow{color:#2b2929;fill:#2b2929;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-mobile .raven-nav-menu li > a{font-family:"Montserrat",Sans-serif;font-weight:500;text-transform:uppercase;padding:8px 32px 8px 32px;color:#fff;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-mobile .raven-nav-menu li > a:hover{color:#fcc7c3;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-mobile .raven-nav-menu li > a.raven-menu-item-active,.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-mobile .raven-nav-menu li > a:active{color:#fcc7c3;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-toggle{text-align:center;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-mobile{background-color:#2b4665;}.elementor-4185 .elementor-element.elementor-element-8a04980:not(.elementor-motion-effects-element-type-background),.elementor-4185 .elementor-element.elementor-element-8a04980 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#fff;}.elementor-4185 .elementor-element.elementor-element-8a04980{border-style:solid;border-width:5px 0px 0px 0px;border-color:#fcc7c3;transition:background .3s,border .3s,border-radius .3s,box-shadow .3s;padding:20px 0px 20px 0px;}.elementor-4185 .elementor-element.elementor-element-8a04980 > .elementor-background-overlay{transition:background .3s,border-radius .3s,opacity .3s;}@media (max-width:1024px){.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-mobile > .raven-side-menu-logo{max-width:65%;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-toggle-button{color:#060606;}.elementor-4185 .elementor-element.elementor-element-2c487ee .raven-nav-menu-toggle-button svg{fill:#060606;}.elementor-4185 .elementor-element.elementor-element-2c487ee .hamburger-inner,.elementor-4185 .elementor-element.elementor-element-2c487ee .hamburger-inner::after,.elementor-4185 .elementor-element.elementor-element-2c487ee .hamburger-inner::before{background-color:#060606;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-toggle-button{color:#2b4665;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-toggle-button svg{fill:#2b4665;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .hamburger-inner,.elementor-4185 .elementor-element.elementor-element-5e14b95 .hamburger-inner::after,.elementor-4185 .elementor-element.elementor-element-5e14b95 .hamburger-inner::before{background-color:#2b4665;}}@media (max-width:767px){.elementor-4185 .elementor-element.elementor-element-30d272e > .elementor-element-populated{padding:3px 3px 3px 3px;}.elementor-4185 .elementor-element.elementor-element-55ff766 .elementor-widget-container{text-align:center;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-toggle-button{color:#666;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .raven-nav-menu-toggle-button svg{fill:#666;}.elementor-4185 .elementor-element.elementor-element-5e14b95 .hamburger-inner,.elementor-4185 .elementor-element.elementor-element-5e14b95 .hamburger-inner::after,.elementor-4185 .elementor-element.elementor-element-5e14b95 .hamburger-inner::before{background-color:#666;}}@media (min-width:768px){.elementor-4185 .elementor-element.elementor-element-60b4312{width:24.211%;}.elementor-4185 .elementor-element.elementor-element-b0daa04{width:75.454%;}}body{--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}:where(.is-layout-flex){gap:.5em;}:where(.is-layout-grid){gap:.5em;}body .is-layout-flex{display:flex;}body .is-layout-flex{flex-wrap:wrap;align-items:center;}body .is-layout-flex > *{margin:0;}body .is-layout-grid{display:grid;}body .is-layout-grid > *{margin:0;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}