Wednesday 23rd April 2025
Your credit score plays a crucial role in securing a home loan, influencing both your approval chances and the interest rate you’ll pay. This three-digit number, typically ranging from 0 to 1000 in Australia, gives lenders insight into your financial…
Wednesday 16th April 2025
Lender’s Mortgage Insurance (LMI) is a type of insurance that protects the lender in the event that a borrower defaults on their home loan. In Australia, LMI is commonly required by lenders when a borrower is seeking to borrow more…
Wednesday 9th April 2025
Choosing the right home loan is one of the most important financial decisions you’ll make—and the type of interest rate you select can have a big impact on your repayments and long-term costs. The two main options are variable-rate and fixed-rate mortgages, each with…
Wednesday 2nd April 2025
Purchasing your first home marks an exciting milestone, yet the process can feel overwhelming with so many factors to consider. By approaching it with the right preparation and knowledge, you can move forward with greater confidence. Before beginning your property…
Wednesday 26th March 2025
Deciding to refinance your mortgage is a significant financial decision that requires careful consideration of your current circumstances and future goals. One of the primary indicators that you might be ready to refinance is if interest rates have dropped since…
Monday 17th March 2025
Managing a mortgage when you’re self-employed can present unique challenges, primarily due to the fluctuating nature of income in self-employment. Unlike salaried employees who provide payslips, self-employed individuals need to demonstrate their financial stability through a range of documents, such…
Monday 10th March 2025
Losing a job is a significant life event that can bring about a wave of uncertainty, particularly when it comes to managing financial commitments like a mortgage. The first step in handling a mortgage after a job loss is to…
Thursday 6th March 2025
Relocating can be an exciting yet challenging time, especially when it comes to managing your existing mortgage. Whether you’re moving for work, family, or lifestyle reasons, it’s crucial to consider the implications of your move on your current home loan.
Thursday 27th February 2025
As retirement approaches, it’s important to consider how their mortgage fits into their overall financial strategy. Ideally, entering retirement mortgage-free can provide peace of mind and financial flexibility. To achieve this, it’s crucial to evaluate your current mortgage situation and…
Thursday 20th February 2025
Navigating the complexities of mortgages during a divorce can present significant challenges for many Australians. The family home often represents both a substantial financial asset and a reservoir of emotional ties, complicating the decision-making process. At the onset of separation,…
Thursday 13th February 2025
Marriage marks the beginning of a new chapter filled with shared dreams and responsibilities, including the purchase of a home. In Australia, marriage can influence your mortgage options in several ways. Here’s a condensed look at how tying the knot…
Thursday 6th February 2025
As the new year begins, it’s the perfect time to set clear financial goals. These goals provide direction, motivation, and discipline, helping you achieve financial success. Here’s why setting financial goals is crucial and how to establish them effectively. Setting…
Thursday 30th January 2025
As we enter the new year, it’s crucial to review your investment strategy. One fundamental principle to focus on is diversification, which can help manage risk, enhance returns, and improve financial stability. Let’s explore why diversification is essential and how…
Thursday 23rd January 2025
As the new year begins, it’s important to plan for significant life milestones such as buying a home, starting a family, funding education, and preparing for retirement. Here are some key steps to help you navigate these events with confidence:…
Thursday 16th January 2025
Negative gearing is a common investment strategy in Australia, particularly in real estate. Here’s a quick guide to understanding how it works and why investors opt for it. What is Negative Gearing? Negative gearing occurs when the costs of owning…
Thursday 9th January 2025
Many homebuyers believe that a 20% deposit is necessary to secure a home loan, but this isn’t always the case. While a larger deposit has its benefits, such as lower monthly repayments and avoiding Lenders Mortgage Insurance (LMI), it’s not…
Thursday 2nd January 2025
Purchasing your first home in Australia is exciting but can be complex. Here’s a streamlined guide to understanding deposits, Loan-to-Value Ratio (LVR), and hidden costs. Deposits A standard deposit is typically 20% of the property’s purchase price. However, deposits can…
Wednesday 25th December 2024
As 2025 approaches, it’s time to reassess your relationship with your bank. Many loyal customers are finding that traditional banks often prioritise new clients over long-standing ones, offering better rates and perks to attract fresh business while neglecting their existing…
Wednesday 18th December 2024
The holiday season is a perfect time to reflect on your goals and make plans for the future. If buying a home is on your agenda for 2024, now is the time to start preparing. Creating a homebuying plan can…
Wednesday 11th December 2024
The real estate market is influenced by various factors, and seasonal trends play a significant role in shaping market dynamics. Here’s a look at how seasonal trends impact the real estate market and what you should consider during this time…
Thursday 5th December 2024
Before you buy investment properties in Australia, you may want to take a look at vacancy rates. These stats can tell you your potential to make a profit. As you prepare to buy an investment property in Australia for the…
Thursday 28th November 2024
If you’re planning to buy a home, the golden rule is to save as much as possible to make a deposit. Nowadays, it’s more challenging than ever to do so. In Australia in recent years, we’ve witnessed a troubling pair…
Thursday 21st November 2024
Investing in property can be a great way to bolster your wealth and leave a little something extra behind for your family. If you have some money saved up already, a great way to build upon it is to buy…
Thursday 14th November 2024
If you want to become a homeowner in Australia today, it is not going to be cheap. Preparing to own a home is a long-term process. It involves assessing your finances honestly, mapping out a realistic budget and spending years making…
Thursday 7th November 2024
It’s no secret that many Australians are eagerly anticipating a rate cut from the Reserve Bank of Australia (RBA). While this may make for a happy new year, February might seem a long way off—especially if you’re sweating on that…
Wednesday 30th October 2024
Whether it’s adding a pool for the summer heat or building a granny flat for gran, renovations can add both monetary and practical value to your home. However, these improvements come at a cost and can be quite expensive unless…
Wednesday 23rd October 2024
A pre-approval is when a lender approves you for a home loan before you actually decide on a house to buy. It’s essentially a guarantee that you will be approved for a home loan if you decide to apply for…
Sunday 13th October 2024
Finding the right home loan and paying it off quickly can seem overwhelming, but an experienced broker can make it easier. Here’s a quick guide to help you. Common Home Loans: Principal and Interest Loans: Regular payments on the amount…
Sunday 6th October 2024
A construction home loan is designed for people who want to build their home rather than purchase an existing one. It features a unique payment structure where you borrow in stages as the construction progresses. Typically, the payment structure is…
Wednesday 2nd October 2024
Saving for a summer holiday? Here are some quick tips to help you boost your funds: 1. Check Your Bills: Revisit your utility payments to ensure you’re getting the best deal. Switching providers could save you money. 2. Review Automatic Withdrawals: Check…
Wednesday 25th September 2024
Including offset accounts in your home loan strategy could potentially save you thousands of dollars. Here’s a look at how they work and whether you should consider this option. What are Offset Accounts? Offset accounts aim to reduce the interest…
Wednesday 18th September 2024
Commercial finance can be an excellent way to help your business grow. By speaking to a mortgage broker, you can gain access to the capital needed to expand your operations and take your company to the next level. Commercial loans…
Wednesday 11th September 2024
Do you have a dream you’d love to achieve but think the cost is holding you back? A personal loan might be just what you need to make that dream a reality. Whether it’s starting a new business, buying a…
Wednesday 4th September 2024
So, you’re in the market for a mortgage? Whether you’re a first-time home buyer or a seasoned investor, understanding mortgage broker terminology is crucial. This knowledge will help you make informed decisions and communicate effectively with your mortgage broker. In…
Wednesday 28th August 2024
Property investment in Australia has long been a favoured route for building wealth. However, as with any investment class, putting all one’s eggs in one basket can be a risky strategy. Diversification is the key to mitigating risk…
Wednesday 21st August 2024
In the journey towards homeownership, one of the most pivotal factors in Australia is an individual’s credit score. This numerical expression, derived from an analysis of a person’s credit files, signifies to lenders the potential risk posed by…
Wednesday 14th August 2024
Investing in commercial property in Australia can be a lucrative venture for those looking to diversify their investment portfolio. With its robust economy, stable political environment, and growing population, Australia offers numerous opportunities for investors in the commercial…
Wednesday 7th August 2024
When you’re contemplating the purchase of a home, your credit score becomes more than just a number—it’s a reflection of your financial reliability and can be the key to unlocking favourable mortgage terms. Obtain and Scrutinise Your…
Wednesday 31st July 2024
Understanding mortgage rates is akin to navigating a complex labyrinth; it can be perplexing without the right guidance. As an Australian Mortgage Broker, I am well-acquainted with the intricacies of interest rates and the profound impact they have…
Wednesday 17th July 2024
Embarking on the journey to homeownership can be both thrilling and daunting. As a prospective home buyer in Australia, one of the key steps in this adventure is meeting with a mortgage broker—a pivotal encounter that could significantly…
Wednesday 17th July 2024
The very first step when entering your first home buying journey should be to speak to your local mortgage broker. They will assist you with all the points listed below and will in most cases come at no cost to…
Wednesday 10th July 2024
Buying a new construction home comes with several advantages. Here are some of the pros: Customisation: New construction homes often offer buyers the opportunity to customise finishes, layouts, and features to their liking before the build is completed. This means…
Wednesday 3rd July 2024
In Australia, the loan pre-approval process, also known as conditional approval or approval in principle, is a preliminary step in the home buying journey. Here’s an overview of the process: Loan Pre-Approval Process: Application: You start by submitting a pre-approval…
Wednesday 26th June 2024
Finding a good real estate agent is crucial to successfully selling your home in the Australian market. Here’s how you can go about finding one: Research Online: Start with an online search for real estate agents in your area. Look…
Wednesday 19th June 2024
Property staging in the Australian market, as with many others, is all about presenting the home in the best possible light to appeal to the broadest range of potential buyers. Here are some property staging tips that sellers can use:…
Wednesday 12th June 2024
When considering buying a home that requires renovation, it’s important to differentiate between necessary renovations that should be deal-breakers if not addressed, and those that can be negotiated as part of the sale or undertaken after purchase. Here are some…
Wednesday 5th June 2024
As the end-of-financial-year looms, it’s time to get your financial ducks in a row. Proper preparation can help you reduce stress, optimize tax returns, and comply with regulations. Here’s a condensed guide to sail smoothly into the new fiscal period.
Tuesday 28th May 2024
In today’s challenging economy, owning a home while working multiple jobs might seem daunting. However, with focused financial planning and hard work, achieving the dream of homeownership is within reach. Taking control of your finances is an obvious one, craft…
Tuesday 14th May 2024
As the financial year draws to a close, it’s important to tackle the necessary preparations with a clear and efficient strategy. Here’s how you can navigate the EOFY without the headache. Understand Your Obligations and get to grips with tax…
Tuesday 30th April 2024
Guarantor loans can be an attractive option for borrowers with limited savings, but it’s crucial to understand the potential downsides. In this blog post, we’ll explore the disadvantages of guarantor loans in Australia. Risk to Guarantor’s Property: The guarantor becomes…
Tuesday 23rd April 2024
Lender’s Mortgage Insurance (LMI) can add significant costs to your home loan. To help you avoid this expense, we will explore strategies for buying a house in Australia without requiring LMI. Save for a Larger Deposit: Aim for a deposit…
Tuesday 16th April 2024
A mortgage broker can be a valuable ally when it comes to securing a mortgage. They have the expertise and connections to streamline the process and potentially save you both time and money. In this blog post, we will explore…
Tuesday 9th April 2024
Investing in real estate is a smart way to grow your wealth, and buying an investment property as your first home offers several advantages for Australian investors. In this blog post, we will explore the benefits of this strategy and…
Tuesday 2nd April 2024
When investing in real estate, buying a tenanted property can be an attractive option. A tenanted investment property already has tenants in place, providing immediate rental income and potentially reducing the time and effort required to find tenants. However, there…
Tuesday 26th March 2024
When faced with financial challenges or the need for extra cash flow, many individuals contemplate extending the term of their loans. However, this decision should not be taken lightly, as it can have long-term implications on one’s financial well-being. Extending…
Monday 18th March 2024
Determining when the next interest rate call will be made is a topic of great interest for individuals and businesses alike. The decision made by the RBA regarding interest rates can have far-reaching implications on various aspects of the economy,…
Tuesday 12th March 2024
In today’s world, having a will and genuine savings can pave the way for a secure future. A will is a legal document that outlines how a person’s assets will be distributed after their death, ensuring that their wishes are…
Tuesday 5th March 2024
To provide much-needed support for businesses during challenging times, the government has extended the Instant Asset Write-Off scheme. This initiative, allowing businesses to immediately deduct the cost of eligible assets, offers relief and encourages investment. Stimulating Economic Recovery: The extension…
Tuesday 27th February 2024
Getting a home loan while carrying student debt may seem challenging, but with proper planning and consideration, it is possible to qualify for a mortgage. Here are some tips to help you navigate the process: First, focus on improving your…
Tuesday 20th February 2024
Getting a parental guarantee for a home loan can be a great solution for those who are struggling to secure a mortgage on their own. It essentially involves a parent or close relative acting as a guarantor, promising to repay…
Tuesday 13th February 2024
Taking out a mortgage involves more than just borrowing a specific amount of money. There are several additional costs that borrowers often overlook but need to consider before venturing into homeownership. Down Payment: A down payment is a substantial upfront…
Tuesday 6th February 2024
Refinancing your home can be a wise financial decision that not only helps you save on monthly mortgage payments but also has the potential to increase the equity in your home. Equity refers to the value of your home minus…
Tuesday 30th January 2024
When applying for a business loan, it’s important to know what lenders look for to increase your chances of approval. Lenders consider several factors to assess your creditworthiness and risk level. They will review your credit history, both personal and…
Tuesday 23rd January 2024
Credit cards have become a popular financial tool, offering convenience and flexibility. However, it’s important to recognize that having credit cards can have a significant impact on your ability to secure a loan.
Tuesday 16th January 2024
Refinancing can be a valuable tool to improve cash flow, reduce interest rates, and gain flexibility in managing debt. Read some of the below circumstances when business owners should seriously consider refinancing their loans. Lower Interest Rates: If interest rates…
Tuesday 9th January 2024
Debt consolidation is a financial strategy that can provide relief and simplify the repayment process for individuals facing multiple debts. It involves merging multiple debts into a singular loan or payment, making it easier to manage and potentially reduce overall…
Tuesday 2nd January 2024
Starting a business is an exciting endeavour, but sadly, not all ventures succeed. Various factors contribute to the failure of businesses, including poor planning, lack of market research, and insufficient financial management. Here are some common reasons why businesses fail…
Tuesday 26th December 2023
When it comes to securing financing, deciding between a fixed interest rate loan and a variable interest rate loan is a crucial consideration. Each option has its own benefits and factors to consider. A fixed interest rate loan offers stability…
Tuesday 19th December 2023
Planning a holiday is an exciting prospect, but it’s essential to ensure that your finances are in order so you can avoid any unnecessary stress or financial strain. By taking the time to…
Monday 11th December 2023
As the new year kicks off, it’s a great time to do a thorough business health check. Taking a close look at different parts of your business helps you see what’s going well, what needs work, and what you can…
Tuesday 28th November 2023
You may find it challenging if you are a small business owner struggling with outstanding debt with the Australian Taxation Office (ATO). However, there are some steps you can take to get ahead and take control of your debt effectively.
Tuesday 21st November 2023
As the year comes to a close, many individuals and small business owners face various challenges related to cash flow. It’s important to stay on top of your cash flow so you can set yourself up for success in the…
Tuesday 14th November 2023
As a business owner, you understand the importance of having access to capital to fuel growth and maintain healthy cash flow in the business. Often, navigating through these various financing options can be overwhelming. What is Invoice Finance? Invoice…
Tuesday 31st October 2023
The holiday season is often associated with family gatherings, celebrations, and a sense of warmth and joy. However, it may not be the typical time most people think about buying a property. While the real estate market tends to slow…
Tuesday 24th October 2023
What you need to know about getting a home loan pre-approval Getting a home loan pre-approval is an essential step in the home buying process. It helps you determine your budget and shows sellers that you are a serious buyer.
Tuesday 17th October 2023
With Australia’s property market hotter than ever, getting into the property market as a first home buyer can be extremely daunting, but here are 7 steps you can take to make it more achievable: Explore government assistance: Many governments offer…
Tuesday 10th October 2023
As life gets more and more expensive, it can be hard enough making ends meet let alone considering making additional repayments on your home loan. Let’s face it – it feels like could the money be put to better use…
Tuesday 3rd October 2023
What is a mortgage prisoner? A mortgage prisoner is someone who finds themselves trapped in their current mortgage deal and is unable to remortgage or switch lenders due to various reasons, such as changes in financial circumstances or stricter lending…
Tuesday 26th September 2023
When you enter the property market or transition from your first home to another property, it’s important to pay attention to the value of your house, townhouse, or apartment. The equity in your home is the difference between the current…
Tuesday 19th September 2023
The Reserve Bank of Australia (RBA) increasing official interest rates 12 times since May last year – taking the cash rate from a record low 0.1 per cent to 4.1 per cent – has not only had an impact on…
Tuesday 12th September 2023
Investing in property can be an exciting and profitable venture. One way to acquire investment property is at auction. Auctions offer buyers the opportunity to purchase a property quickly and at potentially lower prices than the traditional market. However, buying…
Tuesday 5th September 2023
Finding the perfect home to meet all of your needs can be a challenge, and when you finally find the home of your dreams, you don’t want to miss out. However, the process of buying a home can be lengthy…
Tuesday 29th August 2023
More than one million Australians have their retirement savings invested in self-managed superannuation funds (SMSF), with these trusts making up almost a third of the nation’s $3.5 trillion superannuation sector. SMSFs have become more popular as they can provide members…
Tuesday 15th August 2023
Among the strategies to pay off your home loan faster and save money long term, a mortgage offset account is one of the more attractive options. An offset account is another bank account which, rather than earn interest on any…
Tuesday 8th August 2023
With the double whammy of rising cost of living pressures and the Reserve Bank significantly lifting official interest rates to combat inflation, many thousands of homeowners are struggling to make their monthly or fortnightly mortgage repayments. A broker can help…
Tuesday 1st August 2023
In these times of greater cost of living pressures coupled with higher interest rates, those looking to obtain housing finance or refinance their existing loan can face a stricter test from lenders to secure that mortgage. Lenders are required to…
Tuesday 25th July 2023
Changes are afoot at the Reserve Bank of Australia (RBA) with the federal government appointing Michele Bullock as the RBA’s first female Governor. The current RBA Deputy Governor has been tasked with implementing a raft of changes to the central…
Tuesday 11th July 2023
With the new financial year looking to be another challenging period of cost-of-living pressures and higher interest rates, a finance broker can show you how to manage your budget more effectively. You will be amazed how much can be saved…
Tuesday 4th July 2023
It never pays to be complacent when it comes to your finances and setting and forgetting your home loan can be costing you money. ‘Should I review my mortgage?’ is a question brokers are often asked, and the short answer…
Tuesday 27th June 2023
Australians have long been a nation of enthusiastic home renovators, with the COVID-19 pandemic resulting in a boom in home improvements as people unable to travel due to lockdowns spent much more time (and money) in their own backyards. That…
Tuesday 20th June 2023
Are you one of those who may have failed to meet the strict home loan requirements of the major banks? Don’t worry, you may still find the mortgage solution through a specialist non-bank lender. There are thousands of Australians who…
Tuesday 6th June 2023
While many of the big banks have announced they will discontinue cashback deals, the mortgage market remains competitive, and a broker remains the avenue for a home loan customer to find a top deal. Cashback deals are where the lender…
Tuesday 30th May 2023
According to the Reserve Bank of Australia (RBA), approximately 880,000 borrowers with cheap fixed-rate mortgages are facing a ‘mortgage cliff’ when their fixed-rate terms end this year. Having…
Tuesday 23rd May 2023
In an attempt to address housing affordability for first time buyers, the federal government has expanded the eligibility for the First Home Guarantee, the Regional First Home Buyer Guarantee, and the Family Home Guarantee schemes. While previously the First Home…
Tuesday 16th May 2023
With rising interest rates and high inflation, you may need that bit of extra cash to cover some of the spendings you’ve got on your checklist. Your mortgage broker can help you secure small, fast loans, including personal loans, vehicle…
Tuesday 9th May 2023
With many bank branches closing around the country, consumers are relying more and more on brokers for advice, particularly when it comes to obtaining a home, business or personal loan. In some parts of Australia, people are travelling more than…
Tuesday 2nd May 2023
Deciding to stop working for someone else and starting your own business can be a challenge, but a highly rewarding one. In many instances you will also need some financial support to establish the business by taking out a small…
Tuesday 25th April 2023
With the world open again after the disruptions of the COVID-19 pandemic, more and more Australians are getting the travel bug and planning holidays overseas or in our own beautiful backyard. Some people may have been able to put away…
Tuesday 18th April 2023
With the days getting shorter and the nights cooler, these are sure signs that winter is coming. How prepared is your home for the colder weather? If there is a great deal of maintenance to be done, a finance broker…
Tuesday 11th April 2023
In these times of cost-of-living challenges and higher interest rates for borrowers, many Australians are struggling to make ends meet. People, particularly if they are living beyond their means, can be overwhelmed by their debts, and if they are repaying…
Tuesday 4th April 2023
Brokers remain in big demand! The latest Industry Intelligence Service (IIS) report released by the Mortgage and Finance Association of Australia (MFAA) has found the number of brokers has increased 5.2 per cent to 19,236, exceeding 19,000 for the first…
Tuesday 28th March 2023
Are you thinking about buying a new home in the near future? If so, now is the time to start saving! With house prices always on the rise, it’s important to have enough saved up in order to make your…
Tuesday 21st March 2023
Are you in the market for a home loan? If so, it is important to understand the difference between fixed and variable home loans. Knowing which one is right for your financial situation can be tricky, but with some research…
Tuesday 14th March 2023
With fixed rate home loans, you have the security of knowing that your interest rate won’t change over a fixed period of time. However, when this fixed term comes to an end it can be difficult to know what to…
Tuesday 7th March 2023
Are you looking for a home loan but feeling overwhelmed by the sheer number of options available? Don’t worry, it’s not uncommon to feel this way. With so many home loans and mortgage brokers on offer, it can be difficult…
Tuesday 28th February 2023
Debt consolidation allows you to combine multiple debt payments into one single payment. It can be an effective way to simplify your finances, reduce debt faster and save money on interest charges. Consolidating debt can also help improve your credit…
Tuesday 21st February 2023
For first-time home buyers, the process of purchasing a property can be overwhelming. From understanding your budget and considering location to finding the right mortgage broker, there’s a lot to consider. In this article, we will explore some key tips…
Tuesday 14th February 2023
When it comes to getting a home loan, most people go straight to their bank. It’s understandable – banks are usually the most convenient option and can help most Aussies with their home loan needs. But if you want more…
Tuesday 7th February 2023
With interest rates on the rise, it is becoming increasingly difficult for people to keep up with their loan repayments. Fortunately, there are some strategies available that may help reduce the amount of money you have to spend on home…
Tuesday 31st January 2023
Finding the right loan to suit your needs can be a daunting task. With so many loan options and an increasingly complex market, it’s important to compare loan features carefully before making a decision. Whether you need a loan for…
Tuesday 24th January 2023
When considering whether now is the time to refinance your mortgage, there are several factors to consider. At its core, refinancing means taking out a new loan to replace an existing one; this can be done for many reasons but…
Tuesday 17th January 2023
When it comes to the value of your home, investing in renovation projects can be a great way to revitalize its appeal and create a comfortable space to live in. Like most people, you’ve put a lot of hard work,…
Tuesday 10th January 2023
There are a few compelling reasons why you should pay off your home loan faster. Here are three of the most important ones: 1) You’ll save money on interest payments. 2) You’ll be mortgage-free sooner. 3) You’ll increase your equity…
Tuesday 3rd January 2023
So, you’re in the market for a mortgage? Whether you’re a first-time home buyer or experienced investor, it’s important to know the mortgage broker jargon. This will help you understand what your mortgage broker is saying and make the best…
Tuesday 27th December 2022
Do you have a dream that you would like to achieve but don’t think you can because of the cost? A personal loan may be just what you need to make your dream come true. With a personal loan, you…
Monday 19th December 2022
Commercial finance can be a great way to help your business grow. By speaking to a mortgage broker, you can gain access to the capital you need to expand your operations and take your company to the next level. Commercial…
Tuesday 13th December 2022
Including offset accounts in your home loan strategy could end up saving you thousands of dollars. Here’s a look at how they work and whether you should consider going this route. What are offset accounts? Offset accounts aim to…
Tuesday 6th December 2022
Saving for a summer holiday? Boost your funds by tracking your spending, cutting one unnecessary expense and staying home for dinner. If you’re still saving up funds for your next getaway, here are tips to help you along the way. Check your bills…
Monday 28th November 2022
It’s a common misconception that you need to be rich to invest in property. While it’s true that buying an investment property can be a great way to grow your wealth, you don’t need to have a lot of cash…
Tuesday 22nd November 2022
It’s no secret that the property market in Australia is expensive. If you’re a young person trying to break into the market, it can feel like you’re swimming against the tide. But all is not lost! There are ways to…
Tuesday 15th November 2022
Needing to renovate your home? The costs of any renovation project, large or small, can significantly add up. Finding funding for your home renovation in advance can help you prepare and budget for how much renovation you can afford to…
Tuesday 8th November 2022
Getting a home loan is already difficult enough but getting a home loan as a small business owner is even harder. Lenders like to see regular amounts of money coming in as it makes them feel less at risk. When…
Tuesday 1st November 2022
Once people secure their home loan, they often forget about it and simply pay their loan repayments till the end of the loan. This may seem fine, but the reality is you could be missing out on many benefits and…
Monday 24th October 2022
With interest rates on the rise at the moment, there are many borrowers who are currently with fixed rate home loans that are approaching their expiry period. When that day finally arrives, it may be a bit of a shock…
Tuesday 18th October 2022
If you’re like most people, you probably don’t have a few hundred thousand dollars lying around to fund your home renovation. That’s okay! There are plenty of financing options available to make the process easy and stress-free. In this post,…
Tuesday 11th October 2022
There are a lot of benefits to being self-employed. You’re in charge of your career, you can potentially earn more money and you have the satisfaction of delivering a service you can be proud of. However, there are also some…
Tuesday 4th October 2022
When it comes to business finance, there are a lot of options out there. It can be difficult to determine which type of finance is right for your business. In this post, we explore the different types of business finance…
Tuesday 27th September 2022
The Spring property market is always incredibly busy, with more buyers looking for homes than at any other time of year. If you’re planning to buy a house in the near future, it’s important to be prepared. In this post,…
Tuesday 20th September 2022
When it comes to home loans, there are two main types: variable and fixed. Each option has its own set of pros and cons, so it can be difficult to decide which loan is right for you. In this post,…
Tuesday 13th September 2022
Are you looking for ways to reduce your mortgage repayments? If so, you’re in luck! Below are three tips that can help you save money on your home loan. Whether you are a first-time homebuyer or you have been in…
Tuesday 30th August 2022
Debt consolidation involves rolling all of your debts such as home loans, credit card bills and personal loans into a single, combined low interest payment. It allows you to reduce your overall debt and arrange it so that it is…
Tuesday 23rd August 2022
As a business owner, you’ll more than likely have challenges and problems that need to be overcome. It can often be hard to manage your business’s finances when you’re busy getting your brand out there, figuring out how to price…
Monday 15th August 2022
After years of enormous growth in the housing marketing, we’re starting to see falling housing prices around the country. As we approach Spring, we are seeing auctions in the major cities have remain unsteady. However, it’s common to see a…
Tuesday 19th July 2022
If you’re in a situation where you need a little bit of extra cash, a personal loan is always an option. Say you’re looking to fund a one-off event like a wedding or holiday, or you’re looking to make a…
Tuesday 12th July 2022
Whether it’s adding a pool for the summer heat, or adding a granny flat for gran, renovation can add both monetary and practical value to your home. However, this value also comes at a price and can be quite costly…
Tuesday 5th July 2022
A pre-approval is when a lender approves you for a home loan before you actually decide on a house to buy. It’s essentially a guarantee that you will be approved for a home loan if you decide to apply for…
Tuesday 28th June 2022
Finding the right home loan and the best way to pay it off can seem insurmountable alone. But with the help of an experienced broker, it’s much easier finding terms that will suit you. Read on for our guide…
Tuesday 21st June 2022
A construction home loan is a home loan that is designed for people wanting to build their home instead of purchasing an existing one. As a result, it has a unique payment structure where you only borrow in stages as…
Tuesday 14th June 2022
Buying your very first home is equal parts exciting and daunting as you step into uncharted territory. There is so much to consider and digest when making the decision to buy your first home that often it can become overwhelming.
Tuesday 7th June 2022
Your credit history/rating is one of many factors lenders use to evaluate your eligibility for a home loan and it is also one of the most important. The worse your credit is the harder it will be for lenders to…
Tuesday 17th May 2022
Making renovations on your home can be both exciting and exhausting. Whether you are adding a spare room or sharpening the look of your kitchen it is rewarding to see the transformation. That is why we have made a list…
Tuesday 19th April 2022
With many people feeling the financial strain during these troubling times it is becoming more important to find ways to reduce your expenses and save more. If you own a home, there are a number of things you can do…
Tuesday 5th April 2022
Bridging loans are loans used to buy a new home when you haven’t yet sold your existing home. Sometimes it is helpful to purchase a new home before you’ve sold your old one. In which case, you need a bridging…
Tuesday 29th March 2022
Commercial property is classified as any non-residential property that is used exclusively for business purposes. This includes retail properties, office buildings, shopping centres, hotels, warehouses, manufacturing facilities, apartment complexes and land for development. For many investors, acquiring commercial property is…
Tuesday 22nd March 2022
Australians have a few options when it comes to financing a car, and you should make sure you know what each finance option entails before committing to one or the other. Different types of financing can cost more or less…
Tuesday 15th March 2022
Getting the best value out of an investment rental is a collaborative effort between the landlord and a great tenant. To achieve long-term returns on a rental, the property has to last – and that means finding tenants who are…
Tuesday 8th March 2022
When you buy a home whether it is classified as owner-occupied or investment depends on your intentions behind buying the property. If you are planning to sell the property for a profit on what you originally bought it for or…
Tuesday 1st March 2022
The time has come to start thinking about purchasing your first property. Most people begin the process by going to their bank and asking their advice; but did you know there are other options out there including non-bank lenders? Finding…
Tuesday 22nd February 2022
Getting a home loan is already difficult enough but getting a home loan as a small business owner is even harder. Lenders like to see regular amounts of money coming in as it makes them feel less at risk. When…
Tuesday 15th February 2022
With banks becoming increasingly more restrictive on home loans every year it’s becoming more important to consider options outside the major lenders including non-bank lenders. Non-bank lenders still have to follow the same regulations as other lenders and the market…
Tuesday 8th February 2022
There are hundreds of lenders and thousands of home loans to choose from and compare. As a result, it can be extremely time-consuming to decide on which home loan is suitable for you. It can also be costly if you…
Tuesday 25th January 2022
When it comes to the relationship between your credit card history and loan applications, it seems many people are in the dark about what’s truth and what’s not. Gather a group of normal Australians in a room…
Tuesday 18th January 2022
This is a multifaceted question that depends on how you define cost. In terms of the raw numbers, it’s cheaper financially to build a house rather than buy one. However, the total cost doesn’t consider other costs of building a…
Tuesday 11th January 2022
A non-conforming or ‘Specialist’ home loan is a loan that does not fit a lender’s standard criteria for a home loan. These loans are usually offered to people that have a bad credit history or extraordinary financial needs. Because non-conforming…
Tuesday 4th January 2022
If you weren’t thinking of refinancing your home loan, you may want to think again. There are many benefits to refinancing that you may want to consider the next time you review your home loan. Refinancing may just be the…
Tuesday 28th December 2021
Houses that need a lot of hard work and love in order to truly shine are sometimes referred to as a ‘renovator’s dream’. However, this dream can sometimes turn into a nightmare if you aren’t careful. We’ve outlined a few…
Tuesday 21st December 2021
With so many loan options and an increasingly complex market, it can be hard to pick the best loan for your needs. There are many different factors to consider when it comes to choosing loans. In this article, we…
Tuesday 14th December 2021
If you’re not up for the financial challenge of buying a house, it’s usually a cheaper alternative to build a new place from scratch. Vacant land is relatively affordable, and if you build on it yourself, you get to have…
Tuesday 7th December 2021
Life changes, and so does your financial plan. There are many reasons why you might consider refinancing – perhaps you are looking to get lower rates, consolidate your debts or make a major purchase with your equity. Whatever your…
Tuesday 30th November 2021
Purchasing a property is a huge financial decision, which is why people should familiarise themselves with the mortgage process and any essential terminology. Unfortunately, recent research has indicated many Australians aren’t as familiar with common home loan terms, as they…
Tuesday 23rd November 2021
Home renovation projects can be a fun activity for families to do together. But these jobs can also be expensive and taxing, financially physically and mentally. When you’re taking on home projects this summer, follow these tips to ensure everything goes…
Tuesday 16th November 2021
Getting a loan can be quite a tricky task. Seemingly small mistakes may get you trapped in debt, make a permanent record on your credit file and/or lead to rejections on new mortgages. Here are a few common mistakes that…
Tuesday 9th November 2021
Just starting out in the property market? Interest rate terminology on your home loan can be hard to sift through. To understand what you’re agreeing to, it’s important to understand the basics about interest rates. What is an interest rate? When…
Tuesday 2nd November 2021
If you’re having trouble making the payments on your home each month, it will always be tempting to refinance your mortgage and work out a new arrangement that’s more realistic for you financially. This is a big step, though, and…
Tuesday 26th October 2021
Buying a house is an arduous task. In all likelihood, you’ll have to spend hours scouring the market for available real estate, then compete with dozens of other buyers who are all looking to buy in your neighbourhood too. Then…
Tuesday 19th October 2021
Many young Australians spend much of their early adulthood slowly growing in their careers and building up savings, to the point where they can eventually afford a down payment on a home. For young people who don’t have high-paying jobs or…
Tuesday 12th October 2021
Building an investment property is a labour of love – while it does require a lot more work than simply buying a pre-built unit, it’s the perfect way to ensure you come out with a property that you love. It’s…
Tuesday 5th October 2021
Home loan options can be challenging for those unfamiliar with the fluctuations of interest rates. So how do you know which home loan is ideal for you: fixed or variable? Read on to learn more about what fixed and variable…
Tuesday 28th September 2021
Moving can be a stressful experience, which is why many Australians avoid doing it as much as possible. However, certain factors can arise that make it a good time to move on to another neighbourhood, including rising housing prices, bad…
Tuesday 21st September 2021
If you are considering buying a house, you will likely need a home loan. If you already owe on previous advances, whether higher education debt, credit card debt, or personal loan debt, it could impact your home loan application. So,…
Tuesday 14th September 2021
Getting ready to buy your first home is an exciting time. While saving for your deposit or wading through the intricacies of home loans can be a strain, it’s all worth it when you can finally start picking out your…
Tuesday 7th September 2021
It makes sense to want to pay your home loan off early, being free of debt can free you of your stress and worry. With the number of financial benefits that come with paying a home loan off faster, it…
Tuesday 31st August 2021
Unfortunately, most Australians can’t afford the best house on the best street. For that reason, buying real estate is a constant compromise between budget, location and the physical attributes of the property. With that compromise in mind, what’s more important…
Tuesday 24th August 2021
Buying an investment property brings with it a lot of choices, but rest assured, there are certain features which every investment property owners should consider to increase their property’s rental yields and ensure value growth. An area of strong economy…
Tuesday 17th August 2021
Saving money and unlocking equity – those are two good reasons why you should consider refinancing your home loan. Before we start talking interest rates, it’s important to know if you can achieve one of those two things. Unlocking equity…
Tuesday 10th August 2021
Looking to sell your property this year but unsure how to get the best price? Pre-sale renovations are a great way to make sure your property is snapped up for a better market value. So, what do you need to…
Tuesday 3rd August 2021
The average size of a home loan in Australia is almost $400,000, according to the Australian Bureau of Statistics. Most people will repay their loans over 30 years, during which time they’ll be charged a whopping $319,820.45 in home loan…
Tuesday 27th July 2021
Taking out a home loan can be a nerve wracking experience, particularly for first time buyers. The key to making the experience not just bearable but fruitful is to understand exactly what you are taking on. Here are the questions…
Tuesday 20th July 2021
The cost of buying a home in Australia is spinning out of control, especially if you’re looking in one of the larger metropolitan areas. Spending more than a decade’s pay on one single purchase is not feasible for most Australians.
Tuesday 13th July 2021
Looking to secure a home loan? The easiest way to do so is to get pre-approved. Let’s discuss how this process works and how you can get a head start on it. Unless you’ve got hundreds of thousands in cash…
Tuesday 6th July 2021
If you’ve got a long-term schedule for loan repayments to buy your home, refinancing that loan can be a great way to save a lot of money for yourself and your family over the long haul. Fed up with the…
Thursday 24th June 2021
Renovating your home might sound expensive – but if you do it right, you may well be able to add to the property’s value and make money in the long run. Many people are turned off by the idea of…
Monday 14th June 2021
There are a wide variety of commercial loans that are available for individuals and business owners. It can be overwhelming to understand the different commercial loan types, but here’s a simple and easy breakdown of the main ones you should…
Thursday 10th June 2021
Many first home buyers are often overwhelmed with the entire process of acquiring a home loan. However, there are various traps which they often fall for, leading to massive regrets and costly outcomes. To help you identify these traps, here’s…
Thursday 3rd June 2021
Homebuying is a demanding process and it can be overwhelming when banks and real estate agents begin speaking in financial jargon. When applying for a loan, it is vital you understand exactly what is being said. Below are some of…
Thursday 27th May 2021
While a home loan is a hefty expense, there are plenty of tactics buyers can use to significantly reduce fees, interest rates, duration and overall costs. Taking advantage of these strategies will not only save money, but will alleviate some…
Thursday 20th May 2021
The moment you discover a house that might be a fit for your family, you’ll be tempted to move in right away. If it looks like the right place for you, why wait? You’re surely eager to begin your new…
Thursday 13th May 2021
Whether you’re a first home buyer or property investor, you need to understand what borrowing capacity is, and why it is so important. Borrowing capacity is basically the amount of money that a lender will loan to you to buy…
Thursday 29th April 2021
Financing your next car may seem like a daunting task, only second to buying a house. To successfully meet your vehicle financing goals, you need to consider what options are available, the requirements and how much it’s going to cost.
Thursday 22nd April 2021
According to ANZ Bank, property prices are expected to rise by 17% in 2021 and mortgage rates are also set to increase much sooner than expected. The Reserve Bank has clarified that the official cash rate isn’t likely to increase…
Thursday 15th April 2021
When was the last time you reviewed your mortgage? Shopping around can help you increase your savings or shorten your mortgage term, and you can even consider switching between a fixed or variable rate depending on what the lenders…
Wednesday 7th April 2021
2020 was an unpredictable year for everyone, with businesses worried about how to deal with and simultaneously recover from the aftermath of the pandemic. As many had worked towards 2021 afraid to make any plans, more than 65% of…
Thursday 1st April 2021
Whether you’re a new or a seasoned investor, you’ve probably heard of the saying “don’t keep all your eggs in one basket” or this case don’t put all your money into one venture! It’s highly recommended to diversify your portfolio…
Thursday 25th March 2021
With many individuals and businesses now coming to terms with the new normal, the Australian economy is beginning to improve and the next phase of COVID-19 support is beginning. At this stage, 2021 is looking promising for small and medium…
Monday 8th March 2021
It’s no secret that many people often struggle with debt and controlling their spending habits. Whether they’ve maxed their credit cards, used too many ‘buy now pay later’ platforms, or spent an excessive amount of money on extravagant gifts and…
Monday 1st March 2021
In 2021, many first or second home buyers are looking to purchase a new home loan or upgrade from their current home situation. These are major financial decisions that require lots of calculated research and future planning. 2021 – A…
Monday 22nd February 2021
Buying a car is a major financial decision which intimidates many people. Even worse, car finance can be a very complex financial product for both consumers and business owners to grasp, especially since there are so many factors involved. Here’s…
Monday 15th February 2021
Running a business is extremely difficult, especially in the current COVID-19 climate. That’s why mortgage brokers can provide the necessary help for your business’s needs, whether this be acquiring more working capital, buying a new franchise, investing in commercial property,…
Monday 8th February 2021
With the New Year here, many people often think about renovating their home. Since property prices are rising and interest rates are low in 2020, this is the perfect opportunity to get your dream home. There are many ways…
Monday 1st February 2021
As the New Year approaches, it’s the perfect time for you to start thinking about your finances. This could involve creating a new budget, re-evaluating your spending habits, consolidating debt or simply planning for the year ahead. In saying…
Thursday 24th March 2016
There are a plethora of reasons to invest in property, including the tax benefits and retirement planning. But let's be honest, the main motivation is to be able to line your pockets with cash, purchase a sports car.
Thursday 24th March 2016
There are so many costs and processes involved with buying a home - have you considered which inspections you might need? Buying a house is a complicated process, and once you find the right one - as well as a good variable or fixed home loan
Thursday 24th March 2016
Just because you find the right loan now doesn’t mean it’s going to still work for you in 5 year’s time. That’s where refinancing your mortgage comes in.
