First Home Buyer Loan Deposit Scheme

The First Home Loan Deposit Scheme is an Australian Government initiative to support eligible first home buyers purchase a home sooner with as little as 5 per cent. Not to be confused with the State Government’s First Home Builders Grant, the Federal Governments Scheme will support up to 10,000 loans each financial year, starting from 1 January 2020. The Scheme … Read More

Navigating your first home loan application

Increase your chances of a fast approval with a well-prepared first home loan application. Although applying for your first home loan may be the biggest financial decision you’ll make, it doesn’t need to be an overwhelming one. With the right preparation, a realistic understanding of your financial position and some professional guidance from a good mortgage broker, you can position … Read More

What to look for in your first property.

When you’re house hunting it’s easy to get distracted by the aesthetics. Every property is different to the last, so thinking about what features are important to you can help save you time looking at properties that simply aren’t what you’re after. Looking inside  Floor plan & room sizes – does the property have enough room for you and … Read More

How much can I afford to borrow for my first home loan?

Understanding your borrowing capacity is an essential step for all newcomers to home ownership. So, how much can you afford to borrow? Owning property is a dream for many young Australians and families. Aside from the financial benefits of owning a home, being able to call a slice of land your own is one of life’s most converted accomplishments. Financial … Read More

Thinking about buying your first home?

You’ll need to show the seller you have enough money. For most people that means getting a home loan. Applying for a pre-approved loan is a great place to start. A pre-approved loan, also known as a Conditional Loan, is an indication from a lender as to how much they will let you borrow and under what terms. If you … Read More

Your guide to investment property loans

There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation.   Interest-only, fixed, variable, offset – finding the investment home loan that’s right for you can seem like a … Read More

Four must-haves for your next property inspection

You’re walking down the street when you see it – the perfect house. It’s charming, quaint and, okay, maybe a bit small, but you’re sure you could extend it later. But before you sign on the dotted line, consider whether your dreams will hold up under a little scrutiny. Every state has disclosure laws that require the vendor to tell … Read More

Easy landscaping tips when selling your property

Sure, you shouldn’t judge a book by its cover, but a scrappy yard can be an instant turn-off to potential home buyers, even if the house is a dream on the inside. We’ve pulled together some savvy landscaping tips to make sure your home is picture perfect for when you’re ready to sell. The first thing to keep in mind … Read More

The real estate market can be tough for young adults, but as a parent you may be able to lend a helping hand. We tell you how.

Parent-to-child loan A parent-to-child loan is when a parent lends their child money. This is a formal, legally binding arrangement, administered by an independent third party. At the start of the loan period, both parties agree to terms including repayment amounts, a schedule and a process to manage defaults. Benefits: You can set generous terms for your child, but your assets, … Read More

Fixed, Variable or Split Rate Loans

FIND THE LOANS THAT’S RIGHT FOR YOU   In Australia, there are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage. Here is some information to help you choose the repayment structure that works best for you.   VARIABLE RATE LOANS Variable interest rate loans are … Read More