Wednesday 9th July 2025
You spent a lot of time saving to buy a home, and once you finally manage to swing that huge expense, the last thing you want to do is get out the chequebook and spend even…
Monday 30th June 2025
In today’s digital age, technology is revolutionising the mortgage brokering industry, offering innovative solutions that enhance efficiency and improve client experiences. Embracing these tools is essential for brokers who wish to remain competitive and deliver exceptional service. Transformative Digital Tools…
Monday 23rd June 2025
For many Australians, owning a home is a significant milestone, and government incentives and first-home buyer grants can make this dream more attainable. These programs are designed to ease the financial burden on new buyers and encourage homeownership across the…
Monday 16th June 2025
In the ever-evolving landscape of real estate, fluctuations in interest rates can significantly impact both first-time homebuyers and seasoned investors. Understanding these trends and adapting strategies accordingly is crucial for anyone looking to make informed decisions in the housing market.
Monday 9th June 2025
As environmental consciousness continues to grow, so does the demand for energy-efficient homes. Green mortgages are becoming increasingly popular as they offer a sustainable way to finance properties that prioritise eco-friendly features. Understanding Green Mortgages Green mortgages are designed to…
Monday 2nd June 2025
The rise of remote work has transformed many aspects of daily life, including how people approach housing. As employees gain more flexibility, their homebuying preferences are shifting, affecting where and how they choose to live. Changing Preferences in the Remote…
Thursday 22nd May 2025
Before diving into the specifics of deferring mortgage repayments, it’s essential to grasp what a payment deferral means – a mortgage payment deferral allows you to postpone overdue or missed payments by moving them to the end of your…
Thursday 15th May 2025
To make home ownership more attainable, the Labor government is set to expand the Home Guarantee Scheme (HGS) in January 2026, marking a significant shift in Australia’s housing policy landscape. This expansion is designed to open the doors of…
Monday 12th May 2025
As the conversation around renewable energy intensifies, the Australian government is taking decisive steps to ensure that sustainability becomes a cornerstone of household energy management. Enter the Cheaper Home Batteries Program, a pioneering initiative set to launch on 1…
Wednesday 30th April 2025
When following financial news or reviewing your home loan, you’ll frequently encounter two key terms: the cash rate and interest rates. While interconnected, these rates play distinct roles in Australia’s financial system. Understanding their differences helps explain why your mortgage repayments might change…
Wednesday 23rd April 2025
Your credit score plays a crucial role in securing a home loan, influencing both your approval chances and the interest rate you’ll pay. This three-digit number, typically ranging from 0 to 1000 in Australia, gives lenders insight into your financial…
Wednesday 16th April 2025
Lender’s Mortgage Insurance (LMI) is a type of insurance that protects the lender in the event that a borrower defaults on their home loan. In Australia, LMI is commonly required by lenders when a borrower is seeking to borrow more…
Wednesday 9th April 2025
Choosing the right home loan is one of the most important financial decisions you’ll make—and the type of interest rate you select can have a big impact on your repayments and long-term costs. The two main options are variable-rate and fixed-rate mortgages, each with…
Wednesday 2nd April 2025
Purchasing your first home marks an exciting milestone, yet the process can feel overwhelming with so many factors to consider. By approaching it with the right preparation and knowledge, you can move forward with greater confidence. Before beginning your property…
Wednesday 26th March 2025
Deciding to refinance your mortgage is a significant financial decision that requires careful consideration of your current circumstances and future goals. One of the primary indicators that you might be ready to refinance is if interest rates have dropped since…
Monday 17th March 2025
Managing a mortgage when you’re self-employed can present unique challenges, primarily due to the fluctuating nature of income in self-employment. Unlike salaried employees who provide payslips, self-employed individuals need to demonstrate their financial stability through a range of documents, such…
Monday 10th March 2025
Losing a job is a significant life event that can bring about a wave of uncertainty, particularly when it comes to managing financial commitments like a mortgage. The first step in handling a mortgage after a job loss is to…
Thursday 6th March 2025
Relocating can be an exciting yet challenging time, especially when it comes to managing your existing mortgage. Whether you’re moving for work, family, or lifestyle reasons, it’s crucial to consider the implications of your move on your current home loan.
Thursday 27th February 2025
As retirement approaches, it’s important to consider how their mortgage fits into their overall financial strategy. Ideally, entering retirement mortgage-free can provide peace of mind and financial flexibility. To achieve this, it’s crucial to evaluate your current mortgage situation and…
Thursday 20th February 2025
Navigating the complexities of mortgages during a divorce can present significant challenges for many Australians. The family home often represents both a substantial financial asset and a reservoir of emotional ties, complicating the decision-making process. At the onset of separation,…
Thursday 13th February 2025
Marriage marks the beginning of a new chapter filled with shared dreams and responsibilities, including the purchase of a home. In Australia, marriage can influence your mortgage options in several ways. Here’s a condensed look at how tying the knot…
Thursday 6th February 2025
As the new year begins, it’s the perfect time to set clear financial goals. These goals provide direction, motivation, and discipline, helping you achieve financial success. Here’s why setting financial goals is crucial and how to establish them effectively. Setting…
Thursday 30th January 2025
As we enter the new year, it’s crucial to review your investment strategy. One fundamental principle to focus on is diversification, which can help manage risk, enhance returns, and improve financial stability. Let’s explore why diversification is essential and how…
Thursday 23rd January 2025
As the new year begins, it’s important to plan for significant life milestones such as buying a home, starting a family, funding education, and preparing for retirement. Here are some key steps to help you navigate these events with confidence:…
Thursday 16th January 2025
Negative gearing is a common investment strategy in Australia, particularly in real estate. Here’s a quick guide to understanding how it works and why investors opt for it. What is Negative Gearing? Negative gearing occurs when the costs of owning…
Thursday 9th January 2025
Many homebuyers believe that a 20% deposit is necessary to secure a home loan, but this isn’t always the case. While a larger deposit has its benefits, such as lower monthly repayments and avoiding Lenders Mortgage Insurance (LMI), it’s not…
Thursday 2nd January 2025
Purchasing your first home in Australia is exciting but can be complex. Here’s a streamlined guide to understanding deposits, Loan-to-Value Ratio (LVR), and hidden costs. Deposits A standard deposit is typically 20% of the property’s purchase price. However, deposits can…
Wednesday 25th December 2024
As 2025 approaches, it’s time to reassess your relationship with your bank. Many loyal customers are finding that traditional banks often prioritise new clients over long-standing ones, offering better rates and perks to attract fresh business while neglecting their existing…
Wednesday 18th December 2024
The holiday season is a perfect time to reflect on your goals and make plans for the future. If buying a home is on your agenda for 2024, now is the time to start preparing. Creating a homebuying plan can…
Wednesday 11th December 2024
The real estate market is influenced by various factors, and seasonal trends play a significant role in shaping market dynamics. Here’s a look at how seasonal trends impact the real estate market and what you should consider during this time…
Thursday 5th December 2024
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…
Thursday 28th November 2024
If you’re planning to buy a home, the golden rule is to save as much as possible to make a deposit. Nowadays, it’s more challenging than ever to do so. In Australia in recent years, we’ve witnessed a troubling pair…
Thursday 21st November 2024
Investing in property can be a great way to bolster your wealth and leave a little something extra behind for your family. If you have some money saved up already, a great way to build upon it is to buy…
Thursday 14th November 2024
If you want to become a homeowner in Australia today, it is not going to be cheap. Preparing to own a home is a long-term process. It involves assessing your finances honestly, mapping out a realistic budget and spending years making…
Thursday 7th November 2024
It’s no secret that many Australians are eagerly anticipating a rate cut from the Reserve Bank of Australia (RBA). While this may make for a happy new year, February might seem a long way off—especially if you’re sweating on that…
Wednesday 30th October 2024
Whether it’s adding a pool for the summer heat or building a granny flat for gran, renovations can add both monetary and practical value to your home. However, these improvements come at a cost and can be quite expensive unless…
Wednesday 23rd October 2024
A pre-approval is when a lender approves you for a home loan before you actually decide on a house to buy. It’s essentially a guarantee that you will be approved for a home loan if you decide to apply for…
Sunday 13th October 2024
Finding the right home loan and paying it off quickly can seem overwhelming, but an experienced broker can make it easier. Here’s a quick guide to help you. Common Home Loans: Principal and Interest Loans: Regular payments on the amount…
Sunday 6th October 2024
A construction home loan is designed for people who want to build their home rather than purchase an existing one. It features a unique payment structure where you borrow in stages as the construction progresses. Typically, the payment structure is…
Wednesday 2nd October 2024
Saving for a summer holiday? Here are some quick tips to help you boost your funds: 1. Check Your Bills: Revisit your utility payments to ensure you’re getting the best deal. Switching providers could save you money. 2. Review Automatic Withdrawals: Check…
Wednesday 25th September 2024
Including offset accounts in your home loan strategy could potentially save you thousands of dollars. Here’s a look at how they work and whether you should consider this option. What are Offset Accounts? Offset accounts aim to reduce the interest…
Wednesday 18th September 2024
Commercial finance can be an excellent way to help your business grow. By speaking to a mortgage broker, you can gain access to the capital needed to expand your operations and take your company to the next level. Commercial loans…
Wednesday 11th September 2024
Do you have a dream you’d love to achieve but think the cost is holding you back? A personal loan might be just what you need to make that dream a reality. Whether it’s starting a new business, buying a…
Wednesday 4th September 2024
So, you’re in the market for a mortgage? Whether you’re a first-time home buyer or a seasoned investor, understanding mortgage broker terminology is crucial. This knowledge will help you make informed decisions and communicate effectively with your mortgage broker. In…
Wednesday 28th August 2024
Property investment in Australia has long been a favoured route for building wealth. However, as with any investment class, putting all one’s eggs in one basket can be a risky strategy. Diversification is the key to mitigating risk…
Wednesday 21st August 2024
In the journey towards homeownership, one of the most pivotal factors in Australia is an individual’s credit score. This numerical expression, derived from an analysis of a person’s credit files, signifies to lenders the potential risk posed by…
Wednesday 14th August 2024
Investing in commercial property in Australia can be a lucrative venture for those looking to diversify their investment portfolio. With its robust economy, stable political environment, and growing population, Australia offers numerous opportunities for investors in the commercial…
Wednesday 7th August 2024
When you’re contemplating the purchase of a home, your credit score becomes more than just a number—it’s a reflection of your financial reliability and can be the key to unlocking favourable mortgage terms. Obtain and Scrutinise Your…
Wednesday 31st July 2024
Understanding mortgage rates is akin to navigating a complex labyrinth; it can be perplexing without the right guidance. As an Australian Mortgage Broker, I am well-acquainted with the intricacies of interest rates and the profound impact they have…
Wednesday 17th July 2024
Embarking on the journey to homeownership can be both thrilling and daunting. As a prospective home buyer in Australia, one of the key steps in this adventure is meeting with a mortgage broker—a pivotal encounter that could significantly…
Wednesday 17th July 2024
The very first step when entering your first home buying journey should be to speak to your local mortgage broker. They will assist you with all the points listed below and will in most cases come at no cost to…
Wednesday 10th July 2024
Buying a new construction home comes with several advantages. Here are some of the pros: Customisation: New construction homes often offer buyers the opportunity to customise finishes, layouts, and features to their liking before the build is completed. This means…
Wednesday 3rd July 2024
In Australia, the loan pre-approval process, also known as conditional approval or approval in principle, is a preliminary step in the home buying journey. Here’s an overview of the process: Loan Pre-Approval Process: Application: You start by submitting a pre-approval…
Wednesday 26th June 2024
Finding a good real estate agent is crucial to successfully selling your home in the Australian market. Here’s how you can go about finding one: Research Online: Start with an online search for real estate agents in your area. Look…
Wednesday 19th June 2024
Property staging in the Australian market, as with many others, is all about presenting the home in the best possible light to appeal to the broadest range of potential buyers. Here are some property staging tips that sellers can use:…
Wednesday 12th June 2024
When considering buying a home that requires renovation, it’s important to differentiate between necessary renovations that should be deal-breakers if not addressed, and those that can be negotiated as part of the sale or undertaken after purchase. Here are some…
Wednesday 5th June 2024
As the end-of-financial-year looms, it’s time to get your financial ducks in a row. Proper preparation can help you reduce stress, optimize tax returns, and comply with regulations. Here’s a condensed guide to sail smoothly into the new fiscal period.
Tuesday 28th May 2024
In today’s challenging economy, owning a home while working multiple jobs might seem daunting. However, with focused financial planning and hard work, achieving the dream of homeownership is within reach. Taking control of your finances is an obvious one, craft…
Tuesday 14th May 2024
As the financial year draws to a close, it’s important to tackle the necessary preparations with a clear and efficient strategy. Here’s how you can navigate the EOFY without the headache. Understand Your Obligations and get to grips with tax…
Tuesday 30th April 2024
Guarantor loans can be an attractive option for borrowers with limited savings, but it’s crucial to understand the potential downsides. In this blog post, we’ll explore the disadvantages of guarantor loans in Australia. Risk to Guarantor’s Property: The guarantor becomes…
Tuesday 23rd April 2024
Lender’s Mortgage Insurance (LMI) can add significant costs to your home loan. To help you avoid this expense, we will explore strategies for buying a house in Australia without requiring LMI. Save for a Larger Deposit: Aim for a deposit…
Tuesday 16th April 2024
A mortgage broker can be a valuable ally when it comes to securing a mortgage. They have the expertise and connections to streamline the process and potentially save you both time and money. In this blog post, we will explore…
Tuesday 9th April 2024
Investing in real estate is a smart way to grow your wealth, and buying an investment property as your first home offers several advantages for Australian investors. In this blog post, we will explore the benefits of this strategy and…
Tuesday 2nd April 2024
When investing in real estate, buying a tenanted property can be an attractive option. A tenanted investment property already has tenants in place, providing immediate rental income and potentially reducing the time and effort required to find tenants. However, there…
Tuesday 26th March 2024
When faced with financial challenges or the need for extra cash flow, many individuals contemplate extending the term of their loans. However, this decision should not be taken lightly, as it can have long-term implications on one’s financial well-being. Extending…
Monday 18th March 2024
Determining when the next interest rate call will be made is a topic of great interest for individuals and businesses alike. The decision made by the RBA regarding interest rates can have far-reaching implications on various aspects of the economy,…
Friday 15th March 2024
Introducing our new property division: Wealth Street helps you become a smart investor, growing your money while reducing taxes and debts, and securing your future. Strategic partnerships In a market with rising auction…
Tuesday 12th March 2024
In today’s world, having a will and genuine savings can pave the way for a secure future. A will is a legal document that outlines how a person’s assets will be distributed after their death, ensuring that their wishes are…
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.
