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 22nd August 2023
Whether you are a startup or an established small business looking to expand, a finance broker will be able to help you navigate all the important factors when looking at taking out a small business loan. There are many reasons…
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 6th September 2022
Refinancing is the process of replacing your current mortgage for a new mortgage in order to finance your home. This could be for a number of reasons such as a change in financial position, personal circumstances or getting a better…
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…
Monday 8th August 2022
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 2nd August 2022
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…
Monday 25th July 2022
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 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 31st May 2022
With the lowest official cash rate on record, it might be time to refinance your home loan. What you may have agreed to 5 years ago when you bought your house, may not be the best option for you now.
Tuesday 24th May 2022
Living in a sharehouse is a unique experience typically done when you are young. However with the increasing cost of living, house sharing can have significant financial benefits that should be considered. If you are looking to buy a house…
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…
Monday 9th May 2022
On top of helping you with home loans, our team can also assist you when it comes to financing your business. Whether it be in the form of business loans, car loans or equipment loans we can help you find…
Tuesday 3rd May 2022
One of life’s biggest achievements is owning your first home. The significant and memorable experience, similar to other large achievements throughout life, requires a series of thoughtful decisions and smart, strategic planning. However, where are newcomers meant to start? We’ve…
Tuesday 26th April 2022
It’s time to begin house hunting, but where do you start? What kind of house can you afford? Buying a house is an exciting time, so don’t let the process overwhelm you. By using a mortgage broker’s services, you can…
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…
Thursday 14th April 2022
If you are in need of an extra bit of cash and don’t have the savings lying around to produce it a broker can assist you with small, fast loans such as personal loans, vehicle loans and renovation loans. These…
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 1st February 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…
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…
Wednesday 27th January 2021
When searching for a home loan, it can be easy to fall victim to a scam. In fact, this article reported that Aushadians had lost around $300,000 in rental scams during COVID-19. This is a massive 56% increase from last year,…
Monday 18th January 2021
Since the COVID-19 outbreak, a commonly Googled question is: Should I buy a house during a pandemic? With falling property prices, low-interest rates and declining competition, there seems to be a ripe opportunity for potential buyers in the market. However,…
Thursday 7th January 2021
If you’re looking to buy a home and take out a mortgage, it is a good idea to enlist the help of a mortgage broker. Mortgage brokers have years of industry experience and connections they can utilise to find the…
Wednesday 16th December 2020
Mortgages are massive commitments that can be stressful even if you are meeting your monthly repayments with ease. This doubles when you’re struggling for cash and trying to keep up with your loan repayments without the money to do so.
Wednesday 9th December 2020
Just coming up with a deposit for your mortgage can often be such a big task you can forget about the other initial costs of purchasing a home. Costs such as stamp duty, insurance and moving fees are all costs…
Wednesday 2nd December 2020
Your credit score or credit rating is a number assigned to you that is a measure of how good of a reputation you have as a borrower. The credit score condenses all of the information and factors found on your…
Wednesday 25th November 2020
Buying a home can often be a long drawn out process, where you can sometimes come up empty-handed in the end. A pre-approved home loan can help streamline this lengthy process and protect you from losing out on your dream…
Tuesday 3rd November 2020
If you’re looking for a home loan there are limitless options available to you in terms of lender, structure & requirements. One of the most important ways in which home loans vary is in the repayments. There are three main…
Tuesday 20th October 2020
Equipment finance can be the perfect finance for any business looking to grow both in size and revenue. Costly equipment can be purchased using equipment finance without the need for a large amount of available equity. For this reason equipment…
Tuesday 13th October 2020
Just as important as the decision on which home to buy is the decision which home loan to choose to finance your purchase. The limitless range of options and possibilities is a double edged sword as it can be time…
Tuesday 6th October 2020
Choosing a lender for your mortgage is a crucial part of the process for buying a home. Every person is different with unique situations, goals and needs and as a result the lender and mortgage you choose needs to match…
Thursday 1st October 2020
If you want to move into your new home fast, and don’t want to wait until your current home is sold, a bridging loan may be what you are looking for. A bridging loan is a short-term loan designed to…
Thursday 24th September 2020
A 20% deposit on a mortgage is often a sum in the hundreds of thousands and can be a daunting amount of money to try and save up. Many first home buyers have never gotten their savings anywhere close to…
Wednesday 16th September 2020
Depending on the circumstances of your divorce and what you want to do with your mortgage you may be forced to refinance your home loan after a divorce. The options available to you after divorce include buying out your ex-wife…
Monday 17th August 2020
Buying a house can often seem more difficult than renting especially if you live in the heart of the city. Putting that initial 20% deposit together can often seem like a more difficult task than it is worth. However, with…
Monday 10th August 2020
As with any investment it is important to constantly be aware of any changes in the market or economic climate. The current market has changed dramatically with drastically reduced interest rates. If you are currently paying off your rental property…
Monday 27th July 2020
Are you a first home buyer looking to purchase or build your dream home? The HomeBuilder scheme is a newly announced scheme by the government in light of the current economic situation, designed to help people buy or build their…
Monday 13th July 2020
Debt consolidation is the process of combining a number of different debts into a single loan, in order to help improve your overall finances and better manage your repayments. It may be a good choice for individuals who are struggling…
Monday 29th June 2020
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…
Monday 25th May 2020
Asset finance is any form of finance used to fund the purchase of important business assets including equipment, vehicles, machinery or technology. Many businesses require these assets in order to operate but do not have the available cash required to…
Monday 4th May 2020
Making an effective budget and sticking to it are always easier in theory than practice. However, there are key saving tips you can use to create an effective budget that will start saving you thousands of dollars today. These saving…
Monday 27th April 2020
If you’re having trouble making the payments on your home loan or your financial situation has recently changed, it might be time to refinance your mortgage. Looking at todays market, a large number of home loans now start with a…
Monday 30th March 2020
If you are looking to grow your wealth buying property is a great way to start. Whether you decide to purchase a residential or commercial property, both are solid options that can provide consistent returns for your money. Investing in…
Monday 23rd March 2020
Thinking of buying a new house in the near future? It is never too early to start saving! First things first, get excited about saving. Your mindset and emotions can play a huge part in how quickly you achieve your…
Monday 9th March 2020
Stuck on how to afford your first home? Introducing – First Home Loan Deposit Scheme What is it? From the 1st of January 2020, the Australian Government has created an initiative to assist people in buying their first home sooner.
Wednesday 4th March 2020
If you’re looking to buy an apartment whether it’s for investment purposes or to live in, it is crucial to understand the best areas to search. There has been a sharp increase in the demand and construction of apartments in…
Monday 3rd February 2020
Well, it’s that time of the year, many of us are hoping for a fresh start in 2020 and what could be a fresher start to the new year than moving into a brand-new home. A new you are not…
Monday 27th January 2020
Saving up for a deposit on your home loan can be one of the hardest things you do financially. A home loan deposit requires a large amount of money and many Australians don’t have that amount of money just lying…
Monday 13th January 2020
When you decide to borrow money for an investment you are engaging in gearing. If your income from the investment is more than the expenses of the investment you are positively geared, likewise if your income is less than your…
Monday 23rd December 2019
Determining what you can and can’t afford is not a simple process. A number of different factors go into consideration when deciding what is within your price range and how much you like the house is unfortunately only one of…
Monday 16th December 2019
An investment property can be a tempting proposition to a budding investor. It’s one of the most stable and straightforward investments you can make and the opportunity for passive income from rent exists. The downside is that not everyone can…
Monday 2nd December 2019
With house prices continuing to rise rapidly every year, it gets harder and harder to build up the deposit required for a home loan. One way of bypassing this is to apply for a family guarantee home loan or family…
Monday 18th November 2019
Debt consolidation is the process of consolidating all your existing debt into a single loan rather than pay them off as multiple loans each with their rates of interest. On a surface level, it might make things easier to manage…
Tuesday 29th October 2019
Spring is often the busiest time of the year in the property market with the most amount of homes listed, and the greatest number of houses sold. The sun is shining, the grass is green and it’s the perfect time…
Monday 30th September 2019
We live in a constantly changing world where circumstances and conditions are constantly evolving. Our personal situation and lifestyle will shift endlessly throughout the years and we will change what we eat, where we live and what we do constantly.
Monday 26th August 2019
In the past, it was possible to borrow 100% of a house’s value and not even have to pay a deposit. Now, lenders are a lot stricter and acquiring a loan without a deposit is much more difficult. So,…
Monday 19th August 2019
Buying a home is a big undertaking, which is why the government offers a range of initiatives to make things a little easier for home buyers. These initiatives are available to every Australian so it is important to take advantage…
Monday 5th August 2019
Just like a farmer’s crops, the time of year you choose to buy a home significantly affects price and supply. As a result, it is important to take into account the seasons when looking for a new home. Spring The…
Monday 8th July 2019
Acquiring a home loan higher than 80% of the asking price is already a difficult task. Going a step further and getting a home loan for more than the asking price is nearly impossible. However, there are rare situations where…
Wednesday 12th June 2019
Your credit score is like going to the doctor for many – you don’t have a check-up unless you absolutely need to. The Veda Australian Credit Scorecard, surveying the credit behaviour of people nationwide, proves this to be true…
Thursday 23rd May 2019
The falling market can be both good and bad for homeowners and first-time home buyers – while properties may lose value, lower prices make it a cheaper and thus more desirable time to purchase a house or…
Monday 13th May 2019
In recent months, Australian banks have tightened their credit standards amid concerns around increasing property prices, household debt and pressures from the royal commission. This means that getting a loan might be even more difficult for…
Tuesday 30th April 2019
Ever gotten to the end of the month and wondered where all the money from your pay check goes? Keeping a budget can help you track where your money is going, stay on top of your bills…
Sunday 14th April 2019
Car ownership is on the decline with young Australians. The change could be due to rising housing prices and thus altered priorities for first-time home buyers. The latest Household, Income and Labour Dynamics in…
Tuesday 26th March 2019
If you’re looking for an investment unit, an apartment block can be a great option to get a big return. This strategy is becoming more and more popular in Australia, and as such there isn’t quite enough…
Tuesday 12th March 2019
Investing in property is a smart choice for many Aussies looking for long-term profit potential. But before you dive in, there are a few things you should know. Consider if you’re ready to buy, what…
Wednesday 6th March 2019
You may still be recovering from Christmas festivities, whether eating and drinking less or getting to the gym. But how is your credit card balance? Finder.com.au analysed data from the Reserve Bank of Australia…
Monday 25th February 2019
As 2019 heats up, many predictions for the Australian economy are focused on recent lending announcements and the housing market. Here’s a look at some of the latest. Housing market There was a lot of negative talk about the housing…
Tuesday 19th February 2019
The first month of 2019 saw interest rate hikes in Australia that could affect home loans. Make sure you understand your options for dealing with these changes. What follows is a look at the latest news and what it could…
Tuesday 8th January 2019
Experts in Australia are predicting more declines for the housing industry in 2019. The effects on the economy are still yet to be seen, but some are expecting a hard landing for the market in the coming months. CoreLogic’s latest…
Friday 21st December 2018
A proposal from the Australian Labor Party (ALP) aims to reform negative gearing, and News.com.au says that Aussies are conflicted on the issue. But what is negative gearing, and why are the proposed changes so controversial? What would change? To…
Tuesday 11th December 2018
In a sweeping look at which streets are the best across the country, Realestate.com.au revealed the 10 most popular streets based on where users do the most searching. Six of the winners are in Victoria, making a case for the…
Sunday 25th November 2018
The housing market may still be uncertain in Australia as 2018 comes to an end. The September auctions proved that buying was low. However, first-home purchases may be on the rise by the end of the year. What follows is…
Tuesday 20th November 2018
The Australian housing market has been in a steady downturn over the last year. CoreLogic data shows that it’s seen a cumulative 1.9 per cent value fall since September 2017. While some experts are warning that the market could continue…
Tuesday 13th November 2018
The beginning of 2018 brought a rise in Aussie credit card debt. The average credit card had $2,000 of debt in April, according to the Sydney Morning Herald, the highest it’s been in two years. With the country’s housing market…
Wednesday 10th October 2018
Westpac, Suncorp Bank, and Adelaide Bank have all announced interest rate hikes on home loans. So, what do these raises mean for your repayments? If you have a home loan, recent interest rate changes could affect your repayments. After Westpac increased…
Wednesday 5th September 2018
Recent changes to superannuation funds may start to affect the housing market. Two such measures are the First Home Super Saver (FHSS) Scheme, and the downsizing contributions into superannuation funds. These changes were introduced by the Australian Government in the…
Wednesday 15th August 2018
How long will it take to sell your home? We’ve had a closer look at the numbers around home sales in Australia to give you a better idea. The average Australian home takes 45 days to sell or 40 if…
Thursday 26th July 2018
As of December 2017 the average house price in Australia was $687,000, according to Australian Bureau of Statistics data, although this average is considerably higher in population centres like Melbourne and Sydney. These prices make buying your first home a…
Monday 4th June 2018
Negative gearing – it may seem like investor mumbo jumbo, but it’s really quite a simple concept to get your head around. More than that, it’s an important option in an investor’s toolkit when looking for a property to invest…
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.
