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.

What does the interest rate change mean for you?

Today the 2nd of August 2016 the Reserve Bank of Australia announced a reduction in official interest rates by 0.25% to a record low of 1.50%. But what does it mean for the ordinary person out there with a home loan? For about 80% of the people in the market who have variable rate loans this could mean […]

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Home Loan Types Explained

While Banks spend millions of dollars annually on marketing campaigns the reality is that there are really only a few home loan types that are just painted with different colours and are priced differently. Let's explore them. Variable rate loans The interest rates attached to these loans can basically move at the discretion of your bank. They normally […]

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Home Loan Features Explained

Ever wondered what all those home loan features actually mean? Hopefully we can make life a little easier with an explanation of the most common ones. Offset Accounts This is a transaction account linked to your home loan that helps reduce your interest repayments. Banks calculate interest daily and charge accordingly so any credit balance that […]

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The real cost of refinancing

How much are Refinancing Costs? Let’s get started by understanding what this refinancing stuff is all about. Basically, it is shifting your home loan from one bank to another with the goal of saving on interest payments. Unless you have been living under a rock you would have seen countless bank adverts talking about their […]

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Bolt Ons, Balloons and Repayments

A few tips on getting a Car Loan While this article tends to assume the worst in salesman there are plenty of car yards and finance brokers out there that will look after you and have your best interests at heart. Just make sure you acknowledge the tips below to make your car buying experience […]

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More than meets the eye; are lower interest rates actually cheap?

Did you know that one of the largest trigger points for people either getting a home loan or refinancing is an interest rate advert. You know the ones. You’ll see them on TV, online or in shop windows and you’ll probably have that “oh shit” moment where you think you could get a good deal […]

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Demystifying First Home Owner Duties and Grants

I have recently met with a few first home buyers and the amount of information they are greeted with is pretty overwhelming and can take the shine off the whole experience. Below are some key facts about Western Australian stamp duty concessions for first home owners and the first home owner grant that should simplify at least […]

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Does size count?

Finding a deposit for your first home I remember shopping for my first home. It was pretty daunting to say the least and for an experience that is supposed to be exciting and fun it does have its drawbacks. Not only do you have to find a house you like and figure out if you […]

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3 tips to get rid of your home loan ASAP

Like many Australians I understand the cost associated with paying off a home loan. It’s not small by any means, so let’s not pay the banks any more money than necessary. For many of us making some quick and easy changes could help you save you in the long run. A short conversation with us […]

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