As we step into 2025, understanding how much I can borrow is crucial for navigating Australia's dynamic property market. With anticipated changes in the cash rate influencing loan interest rates and accessibility, prospective borrowers—whether first-time homebuyers, those looking to refinance, or property investors—must be well-prepared. To calculate your loan serviceability, you can add up your […]
Read more
Spring Has Arrived! Perth Property Market Update: Spring Selling Season Trends Perth’s property market is heating up for the Spring selling season! Active listings rose by 8.4% in September, with a total of 3,952 listings by month-end. However, the market remains competitive, with active listings still 19.0% lower than this time last year. This improvement […]
Read more
Fixed or variable home loans, Choosing between a fixed or variable home loan is a crucial decision that can have a lasting impact on your financial well-being. By understanding the differences between these two loan types, you can make an informed choice that aligns with your financial goals and lifestyle. Each option has its own […]
Read moreStarting July 1, the property market will see a boost as tax cuts increase typical buyers' borrowing capacities by tens of thousands of dollars. This change, resulting from stage three tax cuts, will raise take-home pay and subsequently the maximum amount buyers can borrow. The increased budgets are expected to support price growth, despite high-interest […]
Read moreIf you are wondering whether you can get a home loan when you're self-employed exploring, you're likely aware of the additional intricacies this process entails. As seasoned mortgage brokers, we've gathered invaluable insights that can significantly streamline this journey for you. In this comprehensive guide, we'll delve deep into each critical aspect of securing a […]
Read more
Embarking on the journey to homeownership is an exciting journey, but comes many financial considerations, including your house deposit. In this article, we unfold everything you need to know to be able to answer "How much do you need for a house deposit?" and explore various avenues that can help you secure your dream home. […]
Read more
How to Choose a Mortgage Broker: Your Key to Home Loan Success In a landscape where rejections of home loan applications are on the rise, the importance of understanding how to choose a mortgage broker cannot be overstated. With a multitude of brokers vying for your attention, finding the perfect fit may seem like a […]
Read more
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 […]
Read more
Understanding the First Home Buyer Choice scheme in NSW: factors to consider The New South Wales (NSW) government recently introduced changes to stamp duty legislation known as the First Home Buyer Choice scheme. This scheme provides first home buyers who meet certain eligibility criteria with the option to either pay upfront stamp duty upon purchasing […]
Read more
