Due to recent global events that led to a decline in the Housing Market, clients would come up to us and ask ‘How does an Equity Loan Work?’ or ‘How can I take advantage of the Equity in my home’? Over the last few months I have had a number of clients come to…
Stop Paying More For Being Loyal, Avoid Loyalty Tax on Home Loans! We are all taught that businesses should reward their most loyal customers. Stick with them through thick and thin and they’ll look after you… Sadly one sector that seems to have ignored this piece of advice is our own banks – they’re actively…
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.
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