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Category: Finance Related

Your Trusted Lending Advisor

How much are lenders passing on the June & July rate cuts?

A quick snapshot for everyone to show how much lenders are passing on the June & July RBA cash rate drop and when are they going to pass this onto their customers! Thinking about switching? Paying too much on your loan?Simply reach out to us today for a free 15 minute, obligation free discussion to see…
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The common misconceptions about Finance Pre-approval

One of the common questions I get asked by First Home Buyers seeking my help is “do we need to do a finance pre-approval? Is it worth getting one??” Like a lot of things in life – it depends! We touched on some of the key aspects in our earlier article “What is home loan…
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Family Planning – Applying for a home loan with baby on the way

A new baby completely changes your life. Are you also prepared for how a new baby might affect your chances of buying a home? Here are some things to consider before you submit your application. When a lender assesses your home loan application, they look at your income, assets, debts and expenses before deciding whether…
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3 must knows for property investors to prepare for EOFY

Crunch time has come for property investors with 30th June fast approaching. If you are a property investor, you will know what a hectic time end of financial year (EOFY) can be. However, with a little forward planning, you will be well on your way to a smooth tax lodgement come EOFY. Read on for…
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Should you be getting an Interest Only loan?

New government regulations mean interest-only loans are on the decline. Given the changes, it may be time to reconsider your own loan repayment structure. Rewind a few years and many people would have confidently assured you that an interest-only loan – a home loan on which you only have to make interest payments for a…
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How much property portfolio do you need in order to retire?

If you’re going to a holiday destination today, then the first thing you would do is set the destination right? So you know where you are going. Same thing with investing – you need to set yourself a destination so that way you know where you want to end up. And once you have decided…
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Is buying to flip still viable in today’s market?

With the property boom of recent years and the popularity of TV renovation shows like The Block and House Rules, increasing numbers of Australians have been ‘buying to flip’ – buying a property, renovating it and selling it at a profit. Buying to flip can be lucrative when property prices are rising rapidly, but is…
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Say goodbye to personal debt in seven straightforward steps

It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is critical when you set out to buy…
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When should I invest in property?

History has shown us that Australia has a proven record of stable & growing housing prices over the long term. But when should you look at starting the property investment journey? As an established property investor, this is probably one of the most common questions I get asked in particular from new investors – “When…
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[3 min Wed finance series] What is Comparison Rate and how does it help me?

You walked past a bank and saw the promotional ad hanging outside the window and you thought to yourself – wow that’s one attractive interest rate! But is it really saving you the most? That’s where Comparison Rate comes into play. One of the most common mistakes people make when choosing a home loan is…
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