Blogs

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Enjoy the Blog page, your go-to resource for expert insights into the world of mortgage broking, property investment, and other economic updates. Our blog is designed to simplify these complex topics, providing you with valuable tips, updates on market trends, and practical advice to help you make informed decisions. Stay tuned for regular updates and insights.

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Loan Essentials

5 tips for choosing a property manager for your rental

When you rent out your investment property, you can choose to manage the property yourself or get a professional property manager to do the hard yards for you.

Loan Essentials

What type of home loan do I need?

When you’re new to buying property, choosing a home loan can be overwhelming. There are dozens of different lenders out there all offering different types of mortgages. So, which is right for you?

Loan Essentials

When will interest rates drop?

Homeowners have been waiting with bated breath to see when the Reserve Bank of Australia (RBA) will cut the cash rate. It’s been on hold at 4.35% since November 2023.

Economy & Finance Update

Welcome to our October Newsletter

As housing supply ramps up in spring, we’ve seen property values inch higher nationally, but growth has slowed.

Economy & Finance Update

Welcome to our September Newsletter

Spring is here and that means vendors will be sprucing up their gardens and making sure their properties present beautifully for the busy spring selling season. This spring, we’re likely to see varied conditions across Australia’s capital cities.

Loan Essentials

Questions to ask during an inspection

When you’ve been scrolling through marketing photos of a property and you finally set foot in it at an inspection, it can be easy to get swept up in the moment. Home stylists can be very clever at making you fall in love with a property.

Property Related

What to expect this spring selling season

Spring has arrived, bringing a renewed sense of excitement in the property market. Whether you’re an agent looking to sell a few properties, a vendor wanting to offload a property, or a buyer hoping to snap up a bargain and start a new chapter in a new home, there’s no doubt there’s a buzz in the air.

Loan Essentials

5 common reasons home loan applications are rejected

Applying for a home loan is both exciting and stressful. When you are successful, there’s nothing like receiving that green light from a lender to say you’re on the home run to securing your dream home.

Economy & Finance Update

Welcome to our August Newsletter

Stay informed with our August newsletter! Get the latest insights on finance, investments, and market updates. Read now for expert advice and trends!

Loan Essentials

Rentvesting: an option for first-time buyers

Explore rentvesting as an option for first-time buyers. Learn how it works, its benefits, and if it’s the right strategy for you. Read our expert insights now!

Loan Essentials

Is now a good time to refinance?

Wondering if it's the right time to refinance? Get expert insights on market conditions, benefits, and factors to consider before refinancing. Read now!

Loan Essentials

Should I pay down my home loan or invest?

Deciding between paying down your home loan or investing? Discover the pros and cons of each option to make the best financial decision. Read our guide now!

Economy & Finance Update

Welcome to our July Newsletter

Stay informed with our July newsletter! Get the latest insights on finance, investments, and market trends. Read now for expert tips and updates!

Loan Essentials

What’s a guarantor loan and how does it work?

Learn about guarantor loans and how they work! Discover benefits, risks, and key details to make informed financial decisions. Read our comprehensive guide now!

Loan Essentials

5 things to look for in an investment property

Discover 5 key things to look for in an investment property. Learn how to choose wisely and maximise your returns with our expert tips. Read more now!

General Information

Shining a spotlight on scams

Learn to spot and avoid financial scams! Our guide highlights common scams, warning signs, and tips to protect your money. Stay safe and informed. Read now!

Economy & Finance Update

Welcome to our June Newsletter

Stay updated with our June newsletter! Get the latest insights on finance, investments, and industry trends. Read now for expert tips and updates!

Loan Essentials

Considerations before refinancing

Thinking about refinancing? Learn key considerations and tips to make informed decisions before refinancing your mortgage. Read our guide now!

Loan Essentials

Buying an apartment vs a house as an investment

Debating between buying an apartment or a house as an investment? Discover the pros and cons of each to make an informed decision. Read our expert analysis!

Loan Essentials

Budget initiatives to help aspiring homeowners

Explore budget initiatives designed to help aspiring homeowners achieve their dreams.

Economy & Finance Update

Welcome to our May Newsletter

To get your property dream on track, chat to us about getting your finance pre-approved today.

Loan Essentials

What to know about buying a tiny home

If you’re interested in joining the tiny home movement, here’s a few things you need to consider before buying.

Loan Essentials

5 Ideas to add value to your property

So, which renovations should you consider when looking to generate a return on investment? Here’s some inspiration.

Loan Essentials

End of financial year tax tips for investors

If you’re a property investor, it’s important to be across all of the tax deductions that could be available to you. Here are some tips.

Economy & Finance Update

Welcome to our April Newsletter

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Loan Essentials

What is Lenders Mortgage Insurance?

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Loan Essentials

When should you refinance an investment property?

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Loan Essentials

6 key questions to ask your mortgage broker

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Economy & Finance Update

Welcome to our March Newsletter

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Loan Essentials

5 tips for getting on top of your mortgage repayments

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

General Information

What to expect from the car market this year

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Loan Essentials

Your guide to save for a house deposit

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Economy & Finance Update

Welcome to our February Newsletter

Continue the great start to the year and stay informed with all the latest news in finance, investments and industry trends.

Loan Essentials

4 common mistakes to avoid as a first home buyer

Avoid common mistakes as a first home buyer! Learn tips and tricks from Smartfinn Advisors to navigate your home buying journey successfully.

Loan Essentials

Is the refinance boom over?

Explore the latest on the refinance boom. Stay informed about mortgage trends and financial updates. Dive in now!

Loan Essentials

Property investment jargon explained

Demystify property investment jargon! Smartfinn Advisers breaks down complex terms to help investors. Gain clarity and make informed decisions.

Economy & Finance Update

Welcome to our January Newsletter

A new year has begun! Do you have property goals in 2024? Read up on the latest information you need to know on interest rates and more for this year here.

Loan Essentials

4 steps to take now for buying your first home in 2024

Thinking about purchasing your own home this year? Here are four steps that you can take now to put you on the path to buying your future home. Read here.

Loan Essentials

Refinancing a home loan: the process explained

Have you heard about refinancing? With a mortgage broken, we can make the process easier. We've listed the steps involved in the refinancing process here.

Loan Essentials

5 rules successful property investors follow

Interested in property investing? Here are the 5 rules that successful property owners follow. Click here if you're looking to invest this year.

Economy & Finance Update

Welcome to our December Newsletter

The last month of the year is here! If a summer property purchase is on your wish list this Christmas, speak to us about your finance options.

Loan Essentials

Your home loan application checklist

Planning to purchase a property in the near future? We've created a home loan application checklist to optimise your chances of approval. Find it here.

Economy & Finance Update

2023 in review, what to expect from 2024

What a year 2023 was for the property world! Join us as we recap the highlights of the last year and what we predict will happen in 2024.

Property Related

5 reasons to go house hunting this holiday season

Did you know that the Christmas holiday season is a fantastic time to go house hunting? Here's why you should take advantage of the holiday season.

Economy & Finance Update

Welcome to our November Newsletter

Are you looking to make a home purchase in the near future? Here is what you need to know about the housing market and related news this month.

General Information

Top camping holiday destinations

Enjoy a camping getaway this summer! Here are our top camping destinations across Australia. Need a caravan first? Chat with us to discuss your finances.

Loan Essentials

5 ways to finance your renovation

Don't move - renovate. A renovation can transform your property entirely without the hassle of moving. If you need to finance your renovation, click here.

Loan Essentials

5 Tips that can take the stress out of settlement day

Is your settlement day approaching? We've listed 5 tips to take the stress out of settlement day. Click here for everything you need to know.

Economy & Finance Update

Welcome to our October Newsletter

Home value movements and interest rate news. If you're currently in the market or thinking of buying a home, here is your latest update for October.

General Information

When are interest rates expected to drop?

The hot question in the property market is: when will interest rates start to fall in Australia? Click here to see what the experts are predicting.

Loan Essentials

Home loan application process explained

For a first-time home buyer, the home loan process can be confusing. If you’re new to buying property, here’s how the home loan application process works.

Loan Essentials

4 Common Property Investment Mistakes

Investing in property can be exciting yet daunting. Here’s a guide to help you avoid four common mistakes when buying your first investment property.

Economy & Finance Update

Welcome to our September Newsletter

Spring has sprung! An exciting time for property owners looking to get into the market and vendors eager to make a sale. Click here to learn more.

Loan Essentials

Navigating the risks of rate rises

2023 has been a historic year for the RBA and the cash rate. As the RBA tries to curb consumer spending, there are risks for borrowers. Read more here.

Loan Essentials

7 tips to pay off your home loan sooner

Managing a mortgage can be challenging. If you want to try and pay off your home loan sooner, here are 7 practical tips that will help boost your savings.

Property Related

Negotiating a spring bargain

Spring typically sees an uptick in property sales and this trend looks set to continue in 2023. Click here to see how you can negotiate a spring bargain.

Loan Essentials

How much does it cost to refinance?

With a lot of movement in interest rates, refinancing is on many people's radars. You may wonder how much it costs to refinance. Click here to learn more.

Property Related

Preparing for a spring property purchase

Spring is nearly here! If you're looking to buy this upcoming spring, here is what you should know about this time of the year in the property world.

General Information

Smart Investing for the Budget-Savvy

Don't let a small budget hold you back from property investment! There are several different ways you can obtain a property. Click here to see how.

Loan Essentials

Three steps to home loan pre-approval

Looking to get pre-approval? Did you know that there are three easy steps you can do to get your home loan pre-approval? Discover the three steps here.

Loan Essentials

Refinancing made simple

Are you thinking about refinancing? Here is what you need to know and how our mortgage brokers can assist you in deciding which home loan is right for you.

Loan Essentials

Achieve your investment goals: Loans for your strategy

It is important to have the right team of professionals supporting you when investing to get the most out of your investment. Click here to learn more.

Economy & Finance Update

Welcome to our July Newsletter

July has brought positive news for homeowners with the RBA holding the cash rate. Catch this month's news on interest and more by clicking here.

Loan Essentials

Credit Report 101: A Beginner’s Guide

Have you ever wondered how lenders decide whether to grant you that coveted home loan? We explain what a credit report is and how it relates to loans.

Loan Essentials

Mastering the settlement process – What every homeowner should know

Settlement day can be both exciting and stressful. If you’re planning a property purchase and are new to how settlement works, here’s a rundown.

Loan Essentials

Escaping mortgage prison

Are you stuck in an expensive home loan and feeling trapped? There may be a way out! Here is how Smartfinn Advisors can help your mortgage prison.

Economy & Finance Update

Welcome to our June Newsletter

Australia’s winter housing outlook is improving, with rising property prices and stronger market conditions. Here's a summary of what is going on in June.

Loan Essentials

A Pre-Tax Time Checklist for Property Investors

To help you navigate the world of tax deductions, we’ve put together a pre-tax time checklist for property investors. Click here to see our list.

Economy & Finance Update

What the RBA overhaul means for interest rates

The Reserve Bank of Australia (RBA) is facing a major overhaul. What does it mean for interest rates and for Australian mortgage holders? Learn more here.

General Information

How your HECS-HELP debt affects your borrowing capacity

Do you have a HECS-HELP debt? If you're in the market to buy a property, click here to see how this year’s higher indexation could affect you.

Economy & Finance Update

Welcome to our May Newsletter

Despite the looming winter season, it’s a time to celebrate the sizzling rental property market for many investors. Learn more about the market here.

Loan Essentials

Why use a mortgage broker to refinance?

Why use a mortgage broker to refinance? With many benefits, using a mortgage broker to refinance your home loan can be a game changer. Learn more here.

Property Related

Tips for buying sight unseen

Buying sight unseen can be risky but if prepared, it can be a great move. Here's what you need to do when purchasing property without viewing it in person.

Loan Essentials

How to manage your own investment property

Have you recently purchased an investment property? Here is how you can manage your own investment property if you don't want to hire a property manager.

Economy & Finance Update

Welcome to our April Newsletter

Big news for homeowners in April with the RBA keeping the cash rate on hold. Learn more about the property market and what's happening this month.

Economy & Finance Update

Welcome to our March Newsletter

This month the Reserve Bank of Australia (RBA) put up interest rates again, but is a cash rate pause on the horizon? Read more about this month here.

Loan Essentials

Why you need a conveyancer when buying a property

Are you buying a property? There are several different parties involved. One important role is a conveyancer. Here is why you need conveyancing services.

Loan Essentials

6 Mistakes to avoid when refinancing in 2023

Planning to refinance this year? You should be aware of a few pitfalls when doing your research. Here are six mistakes to avoid when refinancing.

Loan Essentials

4 Reasons to consider investing in property now

Is 2023 the year you buy your first investment property? Here is why right now might be the best time for you to buy an investment property.

General Information

What to expect for the car market this year

A lot has changed in the past year, especially when it comes to the economy. Interest rates and the cost of living are up, with more rate hikes forecast for 2023 as inflation remains stubbornly high.

Loan Essentials

Tips to buy an investment property in 2023

A lot has changed in the past year, especially when it comes to the economy. Interest rates and the cost of living are up, with more rate hikes forecast for 2023 as inflation remains stubbornly high.

Loan Essentials

Cushioning for the fixed rate cliff

A lot has changed in the past year, especially when it comes to the economy. Interest rates and the cost of living are up, with more rate hikes forecast for 2023 as inflation remains stubbornly high.

Economy & Finance Update

Welcome to our February Newsletter

A lot has changed in the past year, especially when it comes to the economy. Interest rates and the cost of living are up, with more rate hikes forecast for 2023 as inflation remains stubbornly high.

Loan Essentials

When was your last home loan health check?

A lot has changed in the past year, especially when it comes to the economy. Interest rates and the cost of living are up, with more rate hikes forecast for 2023 as inflation remains stubbornly high.

Loan Essentials

How do property valuers make valuations?

When you find a property you want to purchase, there are a lot of things to consider – from building inspections and pest reports to securing a loan.

Loan Essentials

Investment tips for small space properties

A small property can make a great investment – if you choose the right one. If rising interest rates are impacting your borrowing power, then an apartment or unit could potentially be the most viable investment option.

Economy & Finance Update

Welcome to our January Newsletter

Happy New Year! We hope you had a relaxing and memorable holiday season spent with family and friends.

Property Related

2023 property goals

If you plan to get into the property market in 2023, there are a few things you can do to help you reach your home ownership goals.

General Information

5 financial habits for the new year

The start of a new year is the perfect time to reflect on the past 12 months, reassess priorities and set new goals. If you’re looking to create some better financial habits in 2023, here’s some techniques to help you can get in control of your money.

General Information

How to stay cyber safe this Christmas

The festive season is a time for giving. But unfortunately, it’s also the time of year when generous shoppers are targeted by scammers.

Economy & Finance Update

Welcome to our December Newsletter

The holiday season is here, and so is another rate rise. The Reserve Bank of Australia (RBA) increased the cash rate to 3.1 per cent as inflation shows signs of slowing in October.

Loan Essentials

How high will interest rates rise in 2023?

Experts are warning Australians to brace for more interest rate pain in the year ahead.

General Information

Planning a 2023 tree change or sea change?

In recent years, many people have moved out of cities to regional areas looking for a quieter and more relaxing lifestyle. Many thought this trend would end now that COVID lockdowns appear a thing of the past, but a new report by buyers’ agency, Hotspotting says otherwise.

General Information

Is rentvesting right for you?

The Great Australian Dream of home ownership is still alive, but it’s evolving.

Economy & Finance Update

Welcome to our November Newsletter

Household budgets are feeling the pinch of a seventh successive rate rise. The Reserve Bank of Australia (RBA) increased the cash rate to 2.85 per cent this month, prompting some lenders to increase their variable rates by 0.25 percentage points.

Loan Essentials

What you need to know come settlement day

The search for your dream property can be both exciting and stressful. From the inspections that kick everything off to putting in your offer and having it accepted, these are all stepping stones on the journey towards ownership.

Loan Essentials

8 tips to save and pay off your mortgage sooner

It’s no secret that paying off your home loan sooner can save you plenty. However, with cost-of-living pressures and rising interest rates, it can be hard to find extra cash.

Property Related

Tips for nabbing a bargain this spring

The spring sales season is here, but what do rising interest rates mean for this traditionally busy period?

Economy & Finance Update

Welcome to our October Newsletter

Household budgets are feeling the pinch of yet another rate rise. The Reserve Bank of Australia (RBA) increased the cash rate to 2.6 per cent, prompting some lenders to increase their variable rates by 0.25 percentage points.

Loan Essentials

Renovating for returns in 2022

The goal of renovating for profit is to minimise expenditure and maximise return. Focus on renovations that will increase your property’s value, whilst not costing you the earth.

Loan Essentials

How do construction mortgages work?

Building your own home can be one of life’s most rewarding milestones. Not only does a new build have the potential to save you money, but it also gives you the opportunity to design the home you’ve always wanted with all the latest fixtures and fittings.

Loan Essentials

Tips for finding the right investment apartment

Are you looking at becoming a property investor? Purchasing an investment apartment is often a great place to start.

Economy & Finance Update

Welcome to our September Newsletter

Spring is here and the mercury isn’t the only thing rising. Borrowers are under more pressure with interest rates on the move again.

Loan Essentials

Home loan acronyms explained: LVR & DTI

If you are buying your first home, getting your head around home loan terminology can be tricky.

Loan Essentials

What to look for in an investment property

Interest rates have been going up in recent months. But on the flip side, property prices have been falling in many markets.

Loan Essentials

What should I do when my fixed rate expires?

If you’re currently playing the waiting game wondering what will happen when your fixed rate term ends, we understand what a stressful time it might be.

Economy & Finance Update

Welcome to our August Newsletter

Another month, another cash rate rise. The Reserve Bank of Australia (RBA) increased the cash rate to a six-year high of 1.85 per cent in August, prompting some lenders to increase their variable rates by 0.5 percentage points.

Loan Essentials

Is your credit report healthy?

One of the things lenders take into consideration when assessing your ability to repay a loan is your credit report.

Loan Essentials

Stamp duty explained

If you’ve never bought property before, you may not understand what stamp duty is. In a nutshell, stamp duty is a tax. It’s not very sexy, but it’s one of those things that goes hand in hand with purchasing a property.

Loan Essentials

Questions to ask your mortgage broker

In the wake of three consecutive cash rate rises, many aspiring homeowners and current mortgage holders have been left feeling uncertain.

Economy & Finance Update

Welcome to our July Newsletter

For the third month in a row, the Reserve Bank of Australia (RBA) increased the cash rate in July to 1.35 per cent.

Loan Essentials

Should you refinance now?

With millions of Australian homeowners likely to be slugged with higher mortgage repayments due to the cash rate hikes, there’s one question on everyone’s lips.

General Information

Your suburb research checklist

The golden rule in real estate is “location, location, location”, but how do you know a suburb is right for you when you find it?

General Information

Labor’s policies helping aspiring homeowners

In May, Labor was voted in at the Federal Election. If you’re an aspiring homeowner, the change of Government could mean new opportunities to help get you into your own home sooner rather than later.

Economy & Finance Update

Increase Hike! Inflation expected to hit 7% by December 2022

In what was the biggest one-off rate hike in 22 years, this month the Reserve Bank of Australia (RBA) increased the cash rate to 0.85 per cent in order to curb skyrocketing inflation.

Economy & Finance Update

What does the cash rate increase mean?

News of the Reserve Bank of Australia’s (RBA) decision to increase the official cash rate has left many homeowners feeling uncertain and worried. For some, it’s the first time they’ve experienced a cash rate rise.

General Information

Pre-tax Time Checklist for Property Investors

If you’re like most property investors, trawling through boxes of receipts to tally up your allowable deductions is probably not your idea of fun. So, how can you make tax time a little easier?

General Information

4 Property Investment Mistakes to Avoid

Learning how to invest in property like a pro takes time, and if you’re new to the game, it’s easy to make rookie errors. Here are 4 common mistakes to avoid when buying your first investment property.

Property Related

What’s a fair price for a property?

How do you know how much to pay for a property? As a buyer, it can be tricky.

General Information

What insurance do you need when buying a property?

As we have seen with the recent east coast floods, unforeseen disasters can strike at any time.

Loan Essentials

How to make a pre-auction offer

With auction clearance rates soaring above 80% in many markets in recent weeks, the competition amongst buyers for properties is often fierce.

Property Related

How to Airbnb your property

Always dreamed of having a successful side hustle? Have you considered joining the thousands of Aussies who are listing their properties on Airbnb and pulling in extra coin?

Loan Essentials

How to compare home loans and features

Which home loan is right for you? How can you tell when there are so many different lenders, loan types and features available?

Loan Essentials

How redraw facilities and offset accounts can save you money

Redraw facilities and offset accounts work in a similar way – they both effectively allow you to reduce the balance of your home loan, which reduces the amount of interest you pay.

General Information

Benefits of a long term broker

At Smartfinn Advisors, we’re in it for the long haul. Our goal is to support you with all your big finance decisions, at every stage of your life.

Loan Essentials

What is equity?

Knowing how to use your equity effectively and making it work for you could be an invaluable wealth-building tool. Let’s look at what equity is, how it grows and how you can access it.

Loan Essentials

When to leave your lender

When it comes to your home loan, making sure you’re getting the most competitive deal is important. Even a small difference in your interest rate can mean thousands of dollars over the long run.

Property Related

How to build a property portfolio

Property investment could be a great way to build your wealth and achieve your long-term financial goals. Here are some tips to help you work towards building your property portfolio.

General Information

What to consider before renovating

Renovating your property is a great way to potentially drive up its value. If it’s an investment property, you may also secure a better rental return.

Property Related

Who’s who in a property purchase?

If you’re buying property for the first time, you may be a little confused about which professionals you’ll need on your team.

General Information

Take control of your budget

If your finances have taken a pounding of late, here are some tips to help get you back on track.

Loan Essentials

4 tips of successful property investors

Australians love investing in property, and it’s no wonder why. Property investment helps you grow your wealth through capital growth and provides additional income via rental returns.

Loan Essentials

Buying off the plan

Buying off the plan could be a good way for some people to get into the market. Here’s what you should know when considering buying off the plan.

Loan Essentials

Is it time for a home loan health check

With a home loan, clients tend to just ‘set and forget’. But it’s sensible to review your home loan every two to three years.

Loan Essentials

5 Tips to take the stress out of settlement day

Settlement day. It’s that magical moment a property finally becomes yours. Here’s what you need to do to ensure your settlement day is stress-free. First, let’s cover a few basics.

Loan Essentials

How to invest in a holiday home

With international travel off the cards, many people are choosing to holiday domestically. If you have the budget for it, a great way to do that is by purchasing your own holiday home. So, what should you be aware of before investing in a holiday home? Here are some tips.

Loan Essentials

A step-by-step guide to property investing

Property investment can offer all sorts of benefits – additional income, capital growth, tax deductions, and the list goes on. If you’re considering an investment property purchase, we’ve put together a simple guide to help you get started. Let’s dive in.

Loan Essentials

4 signs it may be time to refinance

The pandemic has drastically changed the way we live and work. For some, there may have been big changes to their financial situation. Here are a few reasons why now is a good time to review your home loan.

Loan Essentials

How to style your property to sell it fast

Creating a spark with prospective buyers could not only help you to achieve a quick sale, it could also help you secure a better price. And if you can attract multiple suitors, it may even start a bidding war at auction that really benefits your hip pocket. Here are our top tips for impressing prospective buyers.

Loan Essentials

Investing on a shoestring

Can you buy an investment property on a small budget? The simple answer is ‘absolutely’!

Loan Essentials

Tips for nabbing a bargain this Spring

The typically busy Spring sales season is upon us, so what does it mean with much of the country in lockdown?

Loan Essentials

6 negotiation tactics for spring property buyers

Interest rates remain at a record low currently, and the property market is expected to heat up as we enter spring despite the economic challenges due to the pandemic.

Loan Essentials

Three finance strategies for purchasing your next property

Whether you’re upsizing, downsizing or just moving to a house in a new location, your situation has probably changed since you last bought.

Loan Essentials

The costs that may surprise you when buying a home

When you’re on a budget, every dollar counts. Let’s see what costs you will need to factor in when you buy a house.

Loan Essentials

How to make moving simple

Here’s how to make your packing and moving experience as smooth and seamless as possible, so you can hit the ground running as soon as you arrive in your new dwelling.

Loan Essentials

Government incentives to help you achieve your home ownership goals

Aspiring to become a homeowner in Australia’s record-hot property market? Check out these government incentives and learn how to find the right finance option for your needs.

Loan Essentials

Here’s how your credit cards can impact your mortgage application

Here are some tips for taking charge of your credit cards ahead of applying for a loan.

Loan Essentials

A homeowner’s guide to refinancing

With a home loan it’s easy to just ‘set and forget’. But it’s sensible to review your home loan every two to three years or so.

Loan Essentials

Plant some memories with your little ones this winter

Spark your kids’ curiosity and creativity by encouraging them to plant some seeds and get their hands dirty. Try these ideas to nurture your little gardener this winter.

Loan Essentials

How to compare home loans and features

In this article, we give you a basic guide for making home loan comparisons and tell you more about the features you may need with your home loan.

Loan Essentials

Take control of your budget

Getting your budget under control and your finances in order is absolutely essential to anyone looking to apply for a home loan, but it’s particularly important for first home buyers about to take the first step on the property ladder.

Loan Essentials

Are you retirement ready? Planning for the life ahead

There’s a wonderful feeling that comes with being on the home straight towards retirement. Post-career life conjures up thoughts of freedom and leisure with time to do all the things you’ve been putting on the back-burner.

Loan Essentials

Want to get the tax-man to help you buy business equipment?

End of financial year is just around the corner, which means time is running out to purchase a vehicle or equipment for your business before June 30.

Loan Essentials

How to pay off your home loan faster

Your home is probably the biggest purchase you will make in your life- it can feel like a 30-year long marathon.

Loan Essentials

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.

Loan Essentials

Will buying a smaller investment property provide a good ROI?

A small property could potentially make a great investment, provided you choose the right one. The key to success with any investment property is thorough research.

Loan Essentials

Should you manage your investment property?

While managing your own investment property can seem like a simple way to keep more of the rent flowing towards the mortgage, there’s a little more to it than making sure the house is standing and collecting the money.

Loan Essentials

Preparing for settlement day

You’ve found your dream property, had your offer accepted, finance approved, and now there’s just one last yet very important milestone to achieve – settlement day.

Loan Essentials

The search for your dream home

Buying your first home or investment property can be an emotionally charged process just like planning for your next holiday.

Loan Essentials

What do you know about your credit report?

Ever had someone ask you for $50 and promise to pay you back within a week? And if they didn’t, would you be inclined to lend them $50 again? Well, that’s how a lender looks at you, the borrower.

Loan Essentials

Smart ways to save for a deposit

Owning your own home is one of the major life goals for most people. Saving for a deposit can seem daunting at first, but it doesn’t have to be.

Loan Essentials

How to say ‘I love you’ to your home

2021 is in full swing, so it could be time to start thinking about how to show your home the love it deserves. And what better time than the month of Valentine’s?

General Information

New year resolutions to make positive change

A new year has finally come! The hardships of the global pandemic are not yet over, but yay, we made it here! New year’s resolutions have always been the trend at the start of the new year. Unlike any other year, our standard resolutions list for 2021 may need a little shake-up.

Loan Essentials

Why you need a mortgage broker

The role of a mortgage broker is to guide you through the home loan journey and help you choose the right product or feature for you.

General Information

Achieve your 2021 property goals

Happy new year! Have you taken your first steps to achieving your goals in 2021? While we probably can’t motivate you to eat better or exercise more, as your mortgage broker, we can help you achieve your property goals!

Loan Essentials

Renovation tricks to add value to your home

Experienced property renovators know the key to a successful renovation is to use the space you have wisely.

General Information

Are you a good saver? Take the quiz to find out!

2020 has been a year like no other! With the new year upon us, now is the perfect time to consider your financial goals for the next 12 months, and the best place to start is with a good money management plan.

General Information

Summer is coming and it’s time to get in gear!

Say the words ‘finance broker’ and most people immediately think of the person who can line you up with a competitive mortgage.

Loan Essentials

Is it the right time to refinance an investment property?

Loan refinancing is a strategy used by property investors to access funds – usually to grow or improve the value of their property portfolio.

Property Related

How the Budget will get the property market moving again

The 2020 Federal Budget announced a range of economic measures to help support individuals and businesses through the COVID-19 downturn.

Loan Essentials

Easing financial pressures: loan deferrals, refinancing and more

When COVID-19 struck, banks gave eligible customers an option to pause their repayments for six months from March, due to the volatile economic climate.

Loan Essentials

Home buyers protection: which one is right for you?

2020 has been quite an eventful year so far... and unfortunately not for the right reasons.

Property Related

Knowing when the price is right

Found the perfect home or investment property, but unsure about the price tag? It’s the eternal question faced by property hunters: what is a fair sale price?

Loan Essentials

How to finance the equipment you need for your business

With interest rates at their lowest ever, it’s not only a great time to buy a property, it’s also a great time to get the equipment you need for your business, or even to start a new one.

Loan Essentials

Three easy steps to home loan pre-approval

Spring is just around the corner which traditionally means the property market will start to warm up. If you are considering making that next property purchase, it is recommended to get a home loan pre-approval first.

Property Related

5 Key Steps to Successful Property Management for new Landlords

An investment property is a business, so it is important to manage it properly in order to achieve financial success.

Loan Essentials

Come prepared: your home loan application guide

Take the stress out of applying for a home loan with a little preparation. Here are a few things you can expect to encounter when seeking loan approval.

Loan Essentials

What is a buyer’s market?

Some property market analysts are predicting average national home values could fall by 11 per cent in 2019 – and say home values in some suburbs of Melbourne and Sydney...

Loan Essentials

Pre-tax time checklist for property investors

Tax time is approaching again! Was that a groan? We understand. If you’re like most property investors, trawling through receipt upon receipt to tally up your allowable deductions is probably not your idea of fun.

Loan Essentials

HomeBuilder Grant: What you need to know

If you’re looking to buy your first home, considering your next home or maybe looking to renovate, then you might be interested in learning more about the $25,000 HomeBuilder grant.

Loan Essentials

Why property investors love tax time

Don’t you just love getting a tax refund? Whilst nobody enjoys all the paperwork that goes with ling a tax return, getting it right can be rewarding particularly if you’re a property investor.

Loan Essentials

Why it’s a good idea to get pre-approval

You may have heard it’s important to get a home loan pre-approval. But why do you need it?

Loan Essentials

To Move or Improve? Deciding which option is right for you.

For most of us, it’s easy to form a sentimental attachment to our home. However, there may come a time when we either outgrow the property or would like to make changes.

Loan Essentials

Countdown to settlement day: what you need to know

You’ve found your dream property, had your offer accepted, and now there’s just one last yet very important milestone to achieve – settlement day.

Loan Essentials

Home loan formal approval process and terminology explained

There’s nothing like being formally approved by a lender for a home loan. It’s your green light to buy the property you have your heart set on.

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