Insights

There are multiple factors to consider when getting a home loan, but there’s no need to feel overwhelmed by the process. Check out our articles to learn about all things home loans to help make your process as easy and streamlined as possible.

How Much Do You Need for a House Deposit?

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. […]

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How To Choose A Mortgage Broker

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 […]

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What is an Offset Account and How Can It Benefit You?

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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NSW Stamp Duty Legislation Changes

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 […]

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What to expect: Perth’s 2023 property market

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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What to expect: Sydney's 2023 property market

While the Sydney market has declined overall, middle-ring areas that offer houses in the $900,000 to $1.5 million range – such as Canterbury-Bankstown, Georges River, Cumberland and Parramatta – still have strong growth markets. According to Canstar’s latest Rising Stars Report, the decline in the market does not mean that all sectors are weak, with […]

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Are you on a fixed rate? It's time to act

Homeowners on a fixed home loan should act now to get ready for anticipated rate rises. Last year, the number of fixed rate loan applications were at an all-time high, this is due to borrowers taking advantage of record low interest rates in response to the pandemic. Those who took out these fixed rate loans […]

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How to maximise borrowing capacity with interest rates on the rise

As we move through a period of increasing interest rates you are going to see your borrowing capacity get squeezed. While we don’t typically recommend borrowing to your maximum, here are a few tips that can help you improve your situation if you do: While it is good to get an idea of how you […]

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Sydney Property Market Update

In recent months the Sydney property market has shifted from a seller’s market to a buyer’s market. With all the negative news around inflation and interest rate rises, is there a silver lining? We believe a declining market presents unique opportunities for first home buyers and investors. As a result of high inflation and increases […]

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