An easier way to Apply for a Self Employed Home Loan (As Long As You Get Paid A Salary). One of the most difficult challenges for self-employed people and small business owners is to get their home loans approved. Because their incomes are so closely linked to the performance of their business, lenders require…
Understanding Lender’s Mortgage Insurance Policies As a rule, if you don’t have a 20% deposit in savings, then your bank will ask you to pay Lender’s Mortgage Insurance (LMI) when you buy a home. This is why so many of us need to dutifully save up our 20% deposit to buy our first home. If…
When Was The Last Time You Checked Your Self Managed Super Fund Investment Loans? I was on a webinar the other day and the host was talking about how a lot of borrowers are currently paying 8% interest on their SMSF investment loans. Unfortunately, a lot of investors don’t really stay on top of their…
The Latitude Data ‘Breach’ Definitely Left its Mark – so I want to lay down tips on How to Keep Your Data Safe. The scale of having data stolen from 14M people on Latitude’s Data Breach is scary! A hacking incident at Australian non-bank lender Latitude Financial affected a far greater number of individuals than…
Are you looking to refinance your home loan? For some, there are easy ways to get the result they are looking for without refinancing. As a rule, when someone refinances their home loan it is to achieve one of the following goals. When you are a mortgage broker you see just how much variability…
Update (June 2026): This scheme has been renamed and expanded. Since 1 October 2025 it operates as the Australian Government 5% Deposit Scheme, with no income caps, unlimited places, and higher property price caps. For the current 2026 rules, NSW price caps, participating lenders, and worked examples, see our up-to-date guide: Australian Government 5% Deposit…
This Is Getting Out Of Hand And A Small Glimmer Of Good News – Why are Interest Rates so High in Australia? Why are Interest Rates so high and keep on rising? Banks are again revising the number of rate rises the RBA will make. Thanks to the minimum wage rise, there are a number…
Discover the 9-step process of buying a house in NSW and gain valuable insights into navigating the real estate market. From assessing borrowing capacity to settling the purchase, this comprehensive guide covers everything you need to know. Don’t miss out on essential steps like property inspections, contract review, financing, and more. Get expert advice for a smooth and successful home buying journey.
Recently we were helping a client buy a property in an Over-55 Complex – I don’t think they understood just how difficult home loans like this can be. A lot of lenders will just point-blank refuse to lend money on a property like this. So I started thinking of a list of the Difficult Home…
Did you find yourself wanting to start your investment portfolio? Then you might have asked yourself “How Do I Structure My Investment Property Ownership?” When I help clients with their investment loans, how the investment is owned is one of the most important aspects for the investor. It’s right up there with getting the right…
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