If you're in the market for a home loan or already have one, you may have come across the term "offset account." But what is an offset account and how can it help you manage your mortgage more effectively? In this blog, we'll delve into the world of offset accounts, explaining what they are, how […]
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Despite the interest rate rises and a moderate decline in house prices nationally, the Perth market has remained relatively resilient. August 2020 to May 2022 saw Perth’s first meaningful growth period in almost a decade. In 2022, we saw eight interest rate rises, bringing the cash rate up from a historic low of 0.10% to […]
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Buying property is a big commitment. Being prepared means knowing if you’re in the right financial position to buy, what you can realistically repay, and how much money you’ll need upfront. Plus, you could be eligible for government financial assistance packages or exemptions and not know it! This easy guide will help you answer all […]
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If you are a foreigner interested in acquiring land in Australia, this blog explains foreign transfer duty and how it might apply to your particular situation. We break down the different government rates across each State depending on effective date of contract. Plus, we include additional information to help you determine whether or not you are exempt from paying this duty.
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Understanding comparison rates could make the difference of saving hundreds (or even thousands) of dollars for you. Loans with the lowest interest rate aren’t always the best option. It's important to research different products and loan providers, taking into consideration your personal circumstances. If you’re in the market for your first home loan and have […]
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Lately, we've been getting enquiries about bridging loans. But there is little advertising on what a bridging loan is, and how it can benefit a home buyer. Anyone who is experienced in the property market would agree that loans can take time to approve. This can be frustrating, especially if you want to sell some […]
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A good mortgage broker can save you time and money by finding the best deal for your circumstances. People often ask us what we do, and how we can help, so we have put together a list of FAQs to answer some of those burning questions. What does a mortgage broker do? We can assist […]
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What are fixed interest rates? Fixed interest rates are rates that remain fixed for a loan's entire term, regardless of what happens in the market. Knowing your repayments will remain fixed allow you to plan ahead and maintain a certain standard of living. Fixed rates can also protect you from sudden rate rises. The downside […]
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What is stamp duty? Stamp duty is a tax that state and territory governments charge for processing certain ownership documents and transactions, such as the purchase of a new home. The value of the purchased property or land determines how much stamp duty you will pay – a general rule is the higher the property […]
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