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 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 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…
Thursday 17th January 2019
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…
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…
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…
Monday 7th May 2018
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…
Thursday 1st March 2018
There’s no better time than the present to expand your business. The past few months have seen business conditions rise well above the long-run average, according to NAB’s November monthly business report. Successfully growing your company is all about knowing…
Tuesday 14th November 2017
There’s always been a gap between the generations when it comes to homeownership – older people and their families in Australia have traditionally had greater means to buy property than their younger counterparts. And if you believe the latest research,…
Sunday 22nd October 2017
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…
Sunday 8th October 2017
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…
Sunday 8th October 2017
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…
Tuesday 15th August 2017
There are a lot of benefits to being self-employed. Rather than having to show up to an office and report to a boss, you instead get to take control of your own career. You decide when and where you work…
Monday 6th March 2017
Most Australians have at least a little debt. It’s something that causes significant stress according to a Canstar Blue survey that found loan repayments were amongst the biggest financial concerns of every day Australians. Are you worried about your debts?…
Tuesday 11th October 2016
You’ve probably heard a hundred horror stories about buying off the plan: including developers going bankrupt and finished homes being completely different from what was expected. As a result, you may believe that buying off the plan is an incredibly…
Monday 26th September 2016
Buying a home costs far more than it’s sale price. There are countless other expenses involved, several of which you may not expect when you make your purchase. If these come as a surprise, they could derail your property dreams…
Monday 19th September 2016
In the four minutes it will take you to read this article, close to 15,000 people would have downloaded Pokemon Go onto their smart phones, according to the App Institute. These shocking statistics prove that this viral phenomenon has more…
Monday 12th September 2016
The total amount of interest paid on debt in Australia has been as high as 12 per cent of disposable income in the past. This statistic is shocking when you consider that it doesn’t include any repayments on the principal…
Wednesday 24th August 2016
Competing on the world-wide stage is the ultimate challenge for any athlete; the pinnacle of competition. Victory for a competitor is an investment in a better future and a jumping point for bigger things – much like buying a home.
Wednesday 10th August 2016
For many Australians, the first step towards buying property is securing a home loan. In order to do this, you’ll need to build up a deposit, as this will make you a more appealing prospect to lenders, while opening up…
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.
