Personal Finance

Exit costs when refinancing

Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest rate and making the change. Before making the switch, ensure the savings you could make outweigh the fees involved. Here […]

Finances on your mind? Do yourself a favour, speak to a broker

If you are finding it tough to meet your current financial obligations or you are just interested in reviewing your current home loan, then you are not alone. As mortgage brokers, we stand ready and...

Getting your home loan approved faster

Every home loan application is unique, so the time between your first contact with your broker and approval can never be predetermined. If an application is not completed correctly, you risk delays in...

Explainer: Home loan pre-approval

For those getting ready to stride into the world of home ownership, the uncertainties of pre-approval can cast a shadow of doubt over an otherwise exciting time. When is it necessary? How long does it last? And what does it involve, exactly? Pre-approval is a lender’s assessment of your likelihood of being approved for an […]

Fixed rate versus variable loans

Fixed rate loans A fixed rate loan is one that maintain the same interest rate over a set period of time regardless of market fluctuations in interest rates. A fixed rate home loan can offer stability...

Get Out Of Town: Are rural areas the new Australian property hotspots?

2020 has seen a serious slowdown in city property markets, but some rural real estate agents say they’re busier than ever. So, is this simply a result of the pandemic? Or a trend that’s set to keep...

Getting it together: what to know before you consolidate

Managing multiple loans can be difficult – and stressful. One way to simplify your financial situation and save yourself time, effort and (hopefully) money is to centralise your debt. But it’s not always...

Inspiration or imitation? Home design in an online world

If you want to look inside perfectly-designed homes, there are more and more ways to than ever before, many delivered directly to your phone or social feed. But – from blogs and newsletters to Pinterest...

Future focused: apps and tools to track your finances

It’s never a bad idea to have a little help managing your money – and when you’ve got monthly mortgage repayments to make, balancing the books is extra important. There’s a great range of apps and tools...

On the market? The federal government’s First Home Loan Deposit Scheme explained.

The barriers a first home buyer faces when entering the property market are well documented. So, will the government’s new First Home Loan Deposit Scheme (FHLDS) help, or not? Here’s a guide to who’s ...

Concerned about servicing your loans?

If you are concerned about servicing your loan, reach out to us as mortgage brokers for help. As Australians everywhere take a close look at their financial circumstances, mortgage brokers stand ready...

Does the gig economy make it harder to get a mortgage?

For lenders, the ideal customer has a steady income, ongoing employment and the ‘right’ paperwork. Here’s what you can do to get a loan in the gig economy. From launching a start-up, to contracting in...

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