Mortgage Repayments – Our Top Five Tips to Get Ahead

Taking out a mortgage is one of the most significant financial decisions that you’ll ever make. However, things don’t end there as there’s still the matter of paying your mortgage (as much as we would like to avoid this part of buying a home!).  While it can feel intimidating to have a huge mortgage, paying off your home loan ahead of schedule isn’t as difficult as you may think. Granted,…  Read more

Which home loan is right for you?

Considering home ownership? Congratulations! Buying a home is an exciting milestone and for most Aussies, one of the biggest investments they’ll ever make. Among the many decisions to be made, you’ll need to choose the best mortgage option for your circumstances. In this blog we’ll weigh the pros and cons of fixed, variable, and revolving credit home loans to help you make the right choice. Why choose a fixed home…  Read more

What is good debt? What’s bad debt? Which ones do you have?

There are so many ways to rack up debt that sometimes we don’t even think about it anymore. Student loans, mortgages, car loans, credit cards… which ones are good and which are bad? Essentially, bad debt costs you money and good debt makes you money. Let us explain:   Good Debts Student Loans (HELP/HECS) Why are they good? Student loans are an investment in your future, opening up different career…  Read more

More than meets the eye – white-label loans are more than a good price

For those unfamiliar, a white-label loans are essentially home-branded loans. Just like your favourite home-branded products you see in supermarket aisles there is more than meets the eye – the white-label loan is more than its competitive price tag. White-label products are high quality and are developed by leading lenders – they are just packaged differently and therefore available at a sharper rate. White-label loans are exclusively available through mortgage…  Read more

After funding for your business? Let an expert help

Top tips for successfully securing funding for your business The key enabler for success for many startups and small businesses is securing funding. Even with the growing support around the world for investing in entrepreneurs, many businesses still struggle with the preparation required when applying for funding. Here are our top tips: Network – get out there and build your network. This is invaluable not only to build the business, but…  Read more

Want to save thousands on your home loan in just 30 minutes? Here’s how:

Do you want to save money? Want to travel around Australia now that lock-downs have ended? Need some extra cash for an important purchase or just after some extra to #TreatYoSelf?   If you’re a home owner, you know how expensive all things home can be. Council rates, water bills, electricity; the list goes on. That’s not to mention your mortgage, which you probably pay hundreds of dollars on per…  Read more

Why banks won’t lend to a business

How to obtain financing is a common concern for new businesses and those preparing to scale. Getting approved for a business loan or line of credit is more difficult than qualifying for a personal loan. It’s crucial that small business owners are adequately prepared to meet with a lender to present their business in the best possible light and qualify for the money they need. Here’s what you can do…  Read more

Common Homeowner’s Insurance Terms That You Should Know

While homeowner’s insurance isn’t required by law, it is often required if you are taking out a mortgage in order to purchase your home. There are a lot of things that you need to think about when purchasing homeowner’s insurance, including what types of coverage you think you need. This can be a challenging task, especially if you are not up to date on your homeowner’s insurance terminology. The following…  Read more

Mortgage offset accounts: Making your loan work for you

Savvy borrowers have an endgame in sight before they even apply for a home loan, and with the right mortgage offset account, they could win that game even more quickly. Home buyers usually focus on the here and now, not the distant future. Rather than the size of their loan balance in 10 or 20 years, they are more likely to think about how much they can borrow and the…  Read more

Five reasons to consider white-label loans

A white-label loan is essentially a home-branded loan, much like the home-branded products you see in the supermarket aisles. Like these products, white-label loans aim to deliver many of the same great features as bank-branded home loans, but for a lower cost to you: the customer.  A trend seen in supermarkets over recent years has been not only an increase in the range of white-label options on offer, but also…  Read more

What is debt consolidation?

Debt consolidation, also known as refinancing, is rolling multiple debts and loans in to one joined loan. There are many benefits to this – however, there are some risks that you need to be aware of.   Consider: Unrealistic Promises It’s unrealistic to believe that a company is able to completely free you from debt. Don’t trust a company that promises you this, and look out for ones that: Are…  Read more

What are non-bank lenders?

Deciding where to go for your home loan is one of the most important decisions you’ll make. While many prospective property owners will choose to use a mainstream lender, non-bank lenders also have their advantages. What are non-bank lenders? Essentially, a non-bank lender is a lender that’s not a bank, credit union or building society. It has its own source of funds, which it lends out with a margin for…  Read more

Finding a home loan when you’re self-employed

There are many perks to working for yourself, but when it comes to applying for a home loan, it seems being your own boss sends up a red flag to banks and other lenders. Why? A salaried employee has a regular, steady income and is less likely to experience the cash flow volatility of a small business owner, contractor, entrepreneur, tradesperson or freelancer. Yet by being proactive and accessing specialist…  Read more

Three finance options for your business

Most entrepreneurs find a time in their business when they need to access financing. It may be in the early stages of their business, when start-up costs for offices, equipment and employees must be covered. Or it may be later on, when they have to relocate, purchase more inventory or equipment, or market their business more aggressively. Financing a business can be scary, but there are many options for entrepreneurs…  Read more

5 Essential Tips for New Property Investors

Everyone wants to achieve financial independence. However, until you have enough income-generating assets, you are unfortunately dependent on someone else such as your employer. Investing in properties, when done right, can provide an ongoing income stream and a cash lump sum when you decide to sell it. If you are a first time property investor, check out these five tips that can help you along your journey towards financial independence.…  Read more

Delivering the Goods: Are our buying habits driving industrial property demand?

In 2020, many retail businesses have pivoted their models to incorporate delivery – as opposed to traditional ‘bricks and mortar’. Some businesses are switching back now that restrictions are easing, but not all. So how is this changing the commercial property landscape? The new, newer normal In a year full of uncertainties, there’s no doubt that our love of home-delivered, on-demand online shopping has shown no signs of slowing. In…  Read more

The parent trap: should you loan to your kids to help them buy?

More young people are turning to parents for financial assistance with the purchase of their first home, but is lending money from ‘the bank of mum & dad’ a good idea? Or should you be guiding your children towards other options? The ‘Great Australian Dream’ has always centred around owning property, and as a parent, it’s only natural to want to help your kids enter the property market as early…  Read more

More than home loans: brokers can help with business finance too

Most Australians know mortgage brokers can help them find a home loan that meets their requirements. What a lot of people don’t realise is brokers can also help small business owners secure the right commercial finance for their business too. Many small business owners use the equity in their homes to cover their start-up and expansion costs. It’s often the only option in the early days but, as your business…  Read more

Get Out Of Town: Are rural areas the new Australian property hotspots?

2020 has seen a serious slowdown in city property markets, but some rural real estate agents say they’re busier than ever. So, is this simply a result of the pandemic? Or a trend that’s set to keep growing after COVID-19 is gone? The fact is, most of us have spent a lot more time indoors this year than ever before, and now that lockdowns and travel restrictions have started to…  Read more

Navigating your first home loan application

Increase your chances of a fast approval with a well-prepared first home loan application. We’ll show you how. 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 yourself as an attractive first home…  Read more

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