LVR Meaning: Understanding Loan-To-Value Ratio and Why it’s Important
Introduction Sometimes, the homebuying journey feels like it needs a dictionary. There are so many new terms to get your head around. One of those terms is loan-to-value ratio, or
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Buying a home can be daunting and confusing, even if it’s not your first property purchase. Our free resource library will help you find the right mortgage broker and get you up-to-speed on everything you need to know about buying a home.
Rentvesting 101: Your Strategic Guide to A Growing Property Investment Trend
Can’t afford to buy a home in your dream suburb but don’t want to give up on owning one? Many Australians feel the pinch of sky-high property prices – especially in b
Rental Yield: How to Calculate and Maximise Investment Property Returns
Property investment is one of Australia’s favourite wealth-generation tools. But how do you know if a property is a good investment? You can use many metrics to calculate the pro
What is a Sunset Clause in Real Estate and How Does it Work?
In this guide, we’ll explain sunset clauses, how they work, and how to use them to protect yourself during real estate transactions. You can also speak to an expert Sydney mortga
Buying My First Home: A Comprehensive Guide and Checklist in 2024
Introduction Buying your first home is one of the most exciting milestones of your life, but it can also be one of the most daunting. Sadly, recent interest rates have risen, and t
Unlocking Wealth through Property Investment: An In-Depth Guide
Thinking about buying an investment property? You’re not alone. Property investment is one of the most popular ways to build wealth in Australia. With the right approach, you can
Mortgage Pre-Approval: Everything You Need to Know
Ever wondered how much a bank will lend you to buy your dream home? The quickest way to find out is by getting mortgage pre-approval. Pre-approval gives you a clear idea of how muc
Maximising ROI: Key Considerations for Your Renovation Project
In my opinion, renovating a property can be a highly lucrative investment, but to truly maximise your return on investment (ROI), there are three essential considerations to keep i
12 Steps to Buying Property in Sydney and Melbourne
Buying property in Sydney and Melbourne can be an exciting yet complex process. Given the dynamic nature of the real estate markets in these cities, potential homebuyers must navig
9 Insider Secrets to Secure Your First Investment Property
Investing in property can be rewarding, offering the potential for stable rental income and capital appreciation. However, entering the world of property investment requires carefu
5 Key Steps to Buying Property Using SMSF
Buying property with a Self Managed Superannuation Fund (SMSF) is a popular strategy among Australians who want more control over their retirement savings and investment decisions.
Thinking About Using Super for House Deposit? Here are 9 Tips to Simplify the Entire Process
Leveraging your superannuation can be a strategic way to boost your property investment portfolio. Many Australians are now tapping into their super to purchase investment properti
How to Access Superannuation to Buy a House: Our Top 10 Tips
Owning a home is a dream for many Australians, and for some, accessing superannuation savings and funds can help make this dream a reality. In this guide, we’ll cover the top 10
Using Super to Buy an Investment Property: A Buyer’s Guide
Property investment has long been a favoured strategy for building wealth and securing financial futures. But did you know you can use your superannuation to invest in property? By
Discover the World of Property Investment: Strategies for Every Investor
The property market offers a plethora of different types of property investment opportunities, each with its unique risks and rewards. Aspiring homeowners and seasoned investors al
Understanding Non-Genuine Savings: Navigating Your Path to Homeownership
When embarking on the journey of homeownership, the path to securing a mortgage is often paved with complexities and unique terminologies. Among these, the concept of ‘non-ge
Rent as Genuine Savings: Unlocking Mortgage Approval for Renters
Navigating the path to homeownership often feels like an uphill battle, especially when saving for a down payment. Yet, for many Australians, the disciplined routine of monthly ren
Maximise Your Property Goals: The Unparalleled Benefits of Self Managed Super Funds (SMSF)
Embarking on the journey of property investment and financial management through a Self Managed Super Fund (SMSF) in Australia offers a number of advantages for savvy investors, pa
The Ultimate Guide to Genuine Savings for Aspiring Homeowners
Navigating the path to buying your dream home or embarking on significant renovations requires more than just a desire; it necessitates a solid financial foundation. Among the crit
Ensuring Your SMSF Complies: Essential Tips for Home Buyers
Navigating the complexities of Self-Managed Super Funds (SMSFs) is crucial for Australians eyeing home ownership or considering refinancing for renovations through their super. Com
Debt Consolidation in Australia: A Comprehensive Guide for Homebuyers
Navigating the world of finances as a homebuyer in Australia can be challenging, especially when managing multiple debts. A debt consolidation loan can emerge as a strategic soluti
Mastering Mortgage Discharge in Australia: A Step-by-Step Explanation
Navigating through the process of discharging a home loan in Australia is an essential part of the journey for homeowners and potential homebuyers. Understanding this process is cr
Understanding Guarantor Loan Requirements in Australia: Essential Insights for Home Buyers and Renovators
Navigating the Australian housing market, particularly when it comes to financing, can be a complex process. A guarantor home loan emerges as a pivotal option, especially for those
What is a Guarantor? A Crucial Element in Australian Home Buying for First Home Buyers with no deposit
The journey of buying a home in Australia often involves understanding the role of a guarantor, especially for first-time buyers or those looking to refinance for renovations. A gu
Property Investment Tips: A Comprehensive Guide for Australian Homebuyers
In today’s fluctuating property market, mastering the art of property investment is paramount for both seasoned and budding Australian homebuyers. Whether you’re contem
Unlocking Possibilities: Smart Refinancing for Renovations in Australia
For homeowners across the diverse and dynamic landscapes of Australia, transforming their residences into spaces that echo their aspirations is a common dream. Refinancing for reno
Unlock Your Dream Home: The Ultimate Guide to Home Renovation Loans in Australia
Renovating your home is an exciting journey—one that can transform a mere structure of bricks and beams into your dream sanctuary. However, beyond the Pinterest boards and design
Comprehensive Guide to Navigating Stamp Duty Exemptions Across Australian States
Buying a home in Australia is a significant financial commitment, and one of the expenses often overlooked by first-time homebuyers is stamp duty. This state-based tax can be quite
How Stamp Duty is Calculated: A Comprehensive Guide for Home Buyers
Purchasing a home is a significant milestone in life. But along with the excitement of owning a piece of property comes a slew of administrative processes and additional costs. One
Find the Best Home Loans for First Home Buyers in 2023
Stepping into the world of home ownership can be both exciting and daunting, especially for first-time buyers. With a myriad of loan options, government schemes, and expert advice,
Investing In Commercial Property in Australia in 2023
In 2023, the Australian commercial property market is booming with opportunities for savvy investors and business owners. The landscape is dynamic and diverse, offering various inv
Financing Your Home Renovation Project in 2023: A Comprehensive Guide to Refinance Renovation Loans
Imagine transforming your home into your dream living space without breaking the bank. Refinancing for renovations makes this possible by helping you tap into your home’s equity
Stamp Duty & Property Valuation: Australia’s First Home Buyer’s Guide
Purchasing your first home in Australia is a landmark event for most home buyers. Among the many considerations, understanding stamp duty and property valuation stands out as param
Understand the Home Loan Redraw Pros and Cons
Have you ever wondered if there’s a way to reduce your home loan interest charges while having access to extra funds? Look no further! The answer lies in understanding the upside
Calculating Equity: Your Guide to Understanding Home Equity and Cash Out Refinancing to Access Equity
Are you looking to unlock the hidden capital in your home? Home equity (or cashing out equity), is a common way to unlock capital via your most valuable financial asset. This can b
Deciphering the Right Time for a Cash-Out Refinance: A Comprehensive Guide
In the labyrinth of home ownership and mortgage management, there exists a potent strategy that can potentially transform your home equity and financial situation – Cash-Out
What is a Property Valuation: Definition and Calculation
Navigating the world of property valuations may seem daunting, but understanding the fundamentals of the process and how what you can do can greatly affect the property’s val
Boost Your Mortgage Potential: A Comprehensive Guide on Increasing Your Borrowing Capacity
As a homeowner, potential homeowner, or mortgage seeker, you have probably asked yourself, “how can I increase my borrowing capacity?” In the world of mortgages, home l
Unlocking Homeownership: Maximising Benefits with Lenders Mortgage Insurance Waiver
The journey to homeownership is riddled with complexities, especially when trying to find the best mortgage broker or professional financial advisor. Amid the maze of mortgage term
Understanding Lenders Mortgage Insurance: Costs, Benefits, and Avoidance Strategies
Embarking on the journey of homeownership is both exciting and challenging, with an array of financial complexities presenting themselves along the way – even with the help o
Common Mistakes to Avoid When Choosing a Mortgage Broker Near Me
Choosing the right mortgage broker is crucial to your home loan journey. To ensure a positive experience, avoid the following common mistakes: Relying Solely on Recommendations fro
Best Mortgage Broker Melbourne Has To Offer: Finding the Perfect Partner for Your Home Loan Journey
Are you looking to secure a home loan in Melbourne? Entrusting your lending needs to the best mortgage broker Melbourne has to offer, can make all the difference in your borrowing
Everything You Need To Know About Low Doc Home Loans
Being self-employed has numerous advantages when it comes to freedom, flexibility, and control over your own business. However, when it comes to obtaining financing, self-employed
Cash Out Refinancing: Unlocking the Value in Your Home with Cash Out Refinancing
As a homeowner, you’ve invested a lot of time, a lump sum of money, and effort into your home. Over time, the value of your home (known as equity) has hopefully appreciated,
What Is A Deposit Bond & How Do They Work When Purchasing A Property?
The process of purchasing a home is both exciting and complex, requiring cautious planning and financial preparation as well as thorough consultation with mortgage brokers or finan
A Guide To Negative Gearing On Your Property: What You Should Know
What You Should Know About Negative Gearing On Your Property If you’re considering investing in a rental property, it’s essential to understand negative gearing and the
Mortgage Rates Increase: How High Will Interest Go & What Does This Means For Homeowners?
Australia’s growing mortgage stress issue Growing mortgage hardship in Australia as the RBA cash rate hits 3.6% which pushes up interest rates, and increases home loan repaym
2023 Incentives for First Home Buyers
As a first home buyer, you may be entitled to financial incentives that could make it easier to buy your first house. In Australia, federal and state governments offer several prog
Understanding Split Rate Home Loans: How Do They Work And What Are Their Benefits?
As financial experts and mortgage brokers, we have come across many home loan products that are designed to cater to the unique needs of home buyers. One such product that has gain
What Is Involved In The Building Inspection Process And How Much Does it Cost?
As a homebuyer, the thought of purchasing a property can be exciting and nerve-wracking at the same time, even with a mortgage broker or financial advisor by your side. You want to
The Settlement Process: Everything You Need To Know When Buying A Home
What is settlement? As a homebuyer, it can be overwhelming to go through the process of buying a house, especially when it comes time to settle and if you don’t have a mortga
First Home Buyers Guide to Sydney
Buying a house is an exciting step towards financial freedom! But what should you keep in mind when purchasing your first property? In Sydney, the home buying process includes many
Porting A Mortgage: A Comprehensive Guide
Porting or refinancing a mortgage allows homeowners like you to take control of your property goals. This can help you get better value for your money while making the most of the
What is Private Lending & Is It Right For You?
Private lending specialists are made to help you buy property even if the big banks turn you down. This means that you can take charge of your finances and reach your real estate g
Family Home Guarantee: Your Ultimate Guide to Know If You Qualify
Buying a house is a big step toward helping you and your family have increased financial security and build wealth and equity for the future. Alongside mortgage brokers and financi
How to Recession-Proof Your Home Buying Strategy for 2023
When planning to purchase a new home, you might feel concerned about the potential for economic downturns to stand in your way. It’s important to be aware on how to recession
Fixed Rate vs Variable Home Loans: What’s The Difference?
When it comes to choosing a home loan, it’s important that you understand your options. One of the most important decisions you will make is deciding on a fixed rate vs varia
How to Find the Right Mortgage Broker for Bad Credit Applicants
If you’re ready to enter the property market, it’s important to consider how your credit history and credit file might affect your mortgage options. While a bad credit
What is a Commercial Loan & What Questions Should I Ask Lenders?
When buying a commercial property, you should think about the many commercial funding options you have so you can make a confident decision about how much to borrow and which comme
The Best Way to Apply for Pre Approval for Mortgage Loans
Are you ready to get into a home of your own? Home loan pre-approval can be a great first step in your buying journey, helping you take charge of the path to home ownership. By se
What is Lenders Mortgage Insurance?
When buying a property, it’s important that you understand what lenders mortgage insurance is and how it could alter your purchase cost and process. Affecting your loan fe
The Ultimate Guide to Buying a Property for First Home Buyers
Buying a property is a big step in your journey to financial freedom, so it’s important that you understand how to navigate the process and get the most value for your purcha
Cash Out Refinancing: All You Need to Know to Get Started
When purchasing a property, it’s essential that you have a good understanding of your financial rights and obligations. This can help you select the right loan and avoid mort
Equity Refinance: What It Is and How to Make it Work for You
Refinancing your home loan can help you ensure that you’re getting the best possible value for money, securing a lower interest rate with extra home loan features. Equity refin
Home loan advice: This will save you thousands per year
Table of Contents What is an offset account, How will this help my financial circumstances? One of the most important decisions you need to make after you have a pre approval for y
Your Guide to Finding the Best Home Loan for First Home Buyers
Are you buying your first home? Whether you’re an owner-occupier or planning to purchase an investment property, buying a home is an exciting journey. But there are many thi
Five Advantages of Engaging Mortgage Broker Services for Your Home Loan Search
It is an exciting prospect to buy a property, until you realise how complicated the mortgage pre-approval process can be. You need to do a lot of research to make sure that youR
8 Things To Do Before You Go For A Property Auction
Even under the best of circumstances, buying a property can be extremely stressful. It can be a very intimidating and nerve wrecking experience, especially for first home buyers wh
The Complete Step-by-Step Guide for Buying a House
Buying a house is an exciting venture, but it can be a lengthy and complex process. What do you need to know in order to get it right? Whether you’re buying a first home or
