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Basic residential home loans generally consist of lower fees along with a lower interest rate in exchange for no/basic features which are common in other home loans. For example, a basic residential loan could be 0.20% p.a. lower on its interest rate but with no offset account - which could be a challenge for a …

Pros and Cons of a Basic Residential Loan Read More »

In a decision that caught some by surprise yesterday, the Reserve Bank lifted interest rates by half a percent to 0.85 per cent 📈 You would have undoubtedly heard this on the radio, seen it on the news or read the announcement on Linkedin from someone in the finance industry.  So, we're not here to …

RBA Interest Rate Rise. What does this mean for you? Read More »

If you’re self-employed (we know there’s a lot of you!), you may have found it difficult to get a traditional mortgage. Don’t despair. There is a loan called Low Doc Home Loan that has been designed specifically for you!  Let’s explore exactly what it is. Dissecting the dilemma of the self-employed. When you are self-employed, …

A home loan for the self-employed. Get to know a Low Doc Loan. Read More »

Did you know you can use your super savings as a way to enter the property market? For years, lenders have allowed you to use your SMSF fund to buy a residential property, but there are strict guidelines around it.  Before we dive in, by SMSF, we mean Self-Managed Super Fund which is essentially a …

Achieve your property goals, using your Self-Managed Super Fund. Read More »

When you’re desperately trying to save up a deposit for a home and just see the prices of property climbing and climbing, it can be really disheartening. We get it.  If you find yourself thinking “Will I ever own a property?”, there is a solution you might not have considered - using a guarantor to …

Guarantors. Learn How They Help You Secure Finance For Your Property. Read More »

When you’re looking for a home loan, you have two main options. You can go to a finance or mortgage broker or you can go through your bank. While a bank will only offer you its own products, a mortgage broker is an industry expert who will take the guesswork out of finding the mortgage …

Broker or Bank? What’s the best option for you Read More »

Refinancing your mortgage can open up a world of opportunities for you. Keeping your options open and shopping around every few years can result in more savings, more flexibility and lower interest rates; giving you the freedom to take that next step.  Sounds like a no-brainer? In most circumstances, it is. It’s important to remember …

How to know if it’s the right time to refinance your mortgage. Read More »