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How to Use Equity to Fund a Holiday or Investment
Your home isn’t just a place to live—it’s also a valuable financial asset. As property values rise and your mortgage balance decreases, you build equity. This equity can be accessed to fund a variety of goals, from a dream holiday to a new investment. Equity is the difference between your home’s market value and […]
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What to Expect During Settlement Day
Settlement day is the final milestone in your property purchase journey. It’s the moment when ownership officially transfers from the seller to you, and you finally get the keys to your new home. While it’s an exciting day, it can also be a little nerve-wracking if you’re not sure what’s involved. Typically, your solicitor or […]
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How to Refinance Without the Stress
Refinancing your home loan can be a smart financial move—whether you’re looking to reduce your interest rate, access equity, or switch to a loan with better features. But for many homeowners, the idea of refinancing feels daunting. The good news? It doesn’t have to be. The first step is understanding your current loan. Take note […]
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First Home Buyer – Move-In-Rules
As a first home buyer, it is expected the property you are purchasing will be your primary residence, also known as your PPR (Principal Place of Residence). Making use of different government schemes as a first home buyer means you MUST move into the property within strict time frames; First Home Guarantee Scheme (Australian Federal […]
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Are our major banks a case of “Same Same”
Reporting season for the four major banks has finished. Looking beyond the massive profits, they all released their strategic focus… – Every bank is planning to grow lending to businesses – Every bank is planning to reduce volume of loans from brokers and use inhouse lenders – Every bank is planning to win more deposits […]
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Non Disclosure – The Risks…
When you visit a doctor, you tell them everything to allow them to help you. While we are not doctors, clients need to tell us everything in order to help. Lenders are great as discovering lots about you. Non disclosure can be a major set back when applying for finance approval, so tell your broker […]
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Buy Now Pay Later – BNPL
Buy Now Pay Later “BNPL” facilities are a form of credit or debt. As a broker it is common for people not to disclose these facilities or they simply don’t consider them as a form of debt. There are limited background checks to obtain BNPL. This is part of the reason they have such a […]
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Credit Reports
CCR or Comprehensive Credit Reporting is the technical name for your credit report. As the name suggests, credit reporting is becoming more indepth. It is not just a score, but an indepth report of your credit history and behaviours. How many times have you applied for credit. Have you made repayments on time. Are there […]
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Understanding Offset Accounts – How They Can Save You Thousands
Offset accounts are one of the most powerful tools available to mortgage holders – but many people don’t fully understand how they work. If used correctly, they can shave years off your loan and save you thousands in interest. What Is an Offset Account? An offset account is a transaction account linked to your home loan. […]
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