USEFUL INFORMATION

Blog 1100x733 bargains suburb 2024

Where are the bargain homes located in your suburb?

Location may be a big driver of property prices, but in any given suburb a few streets can be all that separates paying top dollar for […]

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Blog 1100x733 buyers rejoice 2024

Home buyers rejoice! More listings are hitting the market

Great news for home buyers! After an extended run of low listings, the number of homes coming onto the market is skyrocketing. So could this have […]

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Blog 1100x733 property investor 2024

They’re back! Why property investors account for one-in-three new home loans

Lending to property investors is soaring once again. We lift the lid on what’s driving investor interest – and what it could mean for the property […]

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Blog 110x733 next rate call 2024

When will the next RBA cash rate call be made?

Happy days! The Reserve Bank kept rates steady in February. But a shake-up in the number of times our central bank meets each year is raising […]

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Blog 1100x733 self employed 2024

4 tips for self-employed home loan applications

Applying for a mortgage when you’re self-employed may have you jumping through more hoops. But it needn’t deter you from getting into the property market. Here […]

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Blog 1100x733 FHB charge 2024

First home buyers charge back into the market

Hats off to Australia’s first home buyers! The latest lending data shows they’re refusing to let last year’s rate hikes and rising property values dampen their […]

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Blog 1100x733 rate pay 2024

How your deposit size can shape the rate you pay

It’s commonly known that the bigger your deposit, the smaller your home loan, and thus, the lower your monthly repayments. But today we’ll look into another […]

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Blog 1100x733 Mortgage Broker 2024

The pros of having a mortgage broker on your side

What exactly can a mortgage broker do for you? Well, we don’t mean to toot our own horn, but we can make your home loan journey […]

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Blog 1100x733 resolutions 2024

5 New Year’s resolutions for your home loan

Thought of a New Year’s resolution yet? Or perhaps you’ve broken one already? Either way, check out our list of possible mortgage goals for 2024 – […]

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Blog 1100x733 Xmas 2023

Merry Christmas! Season’s greetings from all of us to you

The year has flown past, and as our thoughts turn to trees, tinsel and turkey, we’d like to thank all our fantastic clients for your support […]

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Blog 1100x733 Ho ho ho 2023

Ho ho ho! The smart move that has 1 in 10 borrowers feeling jolly

Home owners have been battling rising interest rates for over a year and a half now. But a new report reveals the important step some savvy […]

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Blog 1100x733 House Prices 2024

What’s tipped for house prices in 2024?

If buying a home is at the top of your wish list for 2024, don’t miss our rundown on how the property market has fared in […]

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Blog 1100x733 HGS More Lenders 2023

More lenders sign up to low deposit first home buyer scheme

First home buyers with a small deposit now have an even wider range of lenders to choose from. We reveal the latest banks to join the […]

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Blog 1100x733 Manage Christmas 2023

How to manage your home loan over Christmas

It may be called the silly season but a few smart strategies could help you enjoy the festive season this year without missing a beat on […]

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Blog 1100x733 extend loan Nov 2023

The big stretch: should you extend your loan term?

If the November rate hike will seriously stretch your finances, one potential solution may be to extend your loan term. It can ease the hip pocket […]

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Blog 1100x733 rate rise Aug 2023

RBA increases the cash rate by 25 basis points, up to 4.35%

The Reserve Bank of Australia (RBA) has increased the official cash rate by 25 basis points, taking it to 4.35%. So just how much will this […]

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Blog 1100x733 broker share Nov 2023

Brokers help settle a record 7-in-10 new mortgages

Mortgage brokers have notched up a new personal best, with seven out of every 10 new mortgages settled thanks to their help! It’s a sure sign […]

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Blog 1100x733 hotspots 2023

Revealed: the four cities tipped to be future property hotspots

No matter whether you’re in the market for a home or an investment property, it makes financial sense to buy in an area where values are […]

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Blog 1100x733 refinance 2023

How much can you really save by refinancing?

Not sure what refinancing is all about? You’re not alone. Our quick explainer lets you master the basics and helps you work out how much you […]

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Blog 1100x733 FHB schemes Oct 2023

One-in-three first home buyers use guarantee schemes

Know anyone who wants to buy their first home? A new report confirms that low deposit schemes are getting younger buyers into a place of their […]

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Blog 1100x733 House Prices Oct 2023

The one big factor pushing house prices up

Property prices have soared almost 7% this year alone. With the upswing predicted to continue, we unpack what’s driving national housing values higher – and why […]

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Blog 1100x733 flat chat

Flat chat: why units could soon become hot property

Apartments stand out as an affordable choice when it comes to cracking the property market, not to mention downsizing. But a looming shortage may soon push […]

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Blog 1100x733 pre-approval 2023

3 ways pre-approval can give buyers an edge

There’s a lot to be said for having your home loan pre-approved. But does pre-approval mean you’re putting the cart before the horse? Definitely not. Here […]

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Blog 1100x733 Property New Peak

Property market climbs towards new peak

The property market has thumbed its nose at higher interest rates, with values rising almost 5% since March. Here’s why national housing prices are climbing higher. […]

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Blog 1100x733 Loan Compare

How does your home loan compare?

No change to the cash rate again this month, but lenders’ mortgage rates have been jumping around more than a bunch of toddlers at a Wiggles […]

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Blog 1100x733 HGS equity

Low deposit first home buyers now have $82,000 in equity

First home buyers who bought into the market using the federal government’s 5% deposit scheme have racked up $82,000 in home equity on average, new data […]

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Blog 1100x733 Help to Buy

Help to Buy Scheme set to kick off in 2024

The highly anticipated Help to Buy Scheme will kick off next year, giving more Aussies a chance to score their dream home. Today we’ll unpack how […]

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Blog 1100x733 helping hand

More Aussies turn to mortgage brokers for a hand managing hikes

An avalanche of rate hikes over the past 18 months has supersized home loan repayments. But savvy homeowners aren’t panicking. In fact, more mortgage holders than […]

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Blog 1100x733 Sneaky Hike Aug 2023

Sneaky rate hikes – is your lender behind them?

The Reserve Bank (RBA) may have kept the cash rate on hold but that hasn’t stopped some lenders from hiking their variable home loan rates. Here’s […]

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Blog 1100x733 Rate Pause Aug 2023

Has the tide turned? What the RBA rate pause means for homeowners

Mortgage holders rejoice – the Reserve Bank of Australia (RBA) kept the cash rate on hold in August for the second month in a row. So […]

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Blog 1100x733 Fixed rate July 2023

Why are fixed rates still rising? And when might they drop again?

With plenty of pundits tipping interest rates will start to fall in the next 12 months, we look at why the big banks are hiking their […]

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Blog 1100x733 Renovations July 2023

Where homeowners are spending $1 billion a month

Australians are showering their homes with $1 billion worth of love each month as home improvement spending ramps up. We look at the cost of popular […]

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Blog 1100x733 Apartment

Could apartment living help you dive into the property market sooner?

Buying a home for the first time can be challenging, especially with house prices soaring in recent years. So could switching from house hunting to unit […]

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Blog 1100x733 May rate rise 2022 (1)

Mortgage holders breathe a sigh of relief as RBA puts cash rate on hold

Phew! The Reserve Bank of Australia (RBA) has today decided to put the official cash rate on hold. So is the end of this rate hike […]

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Blog 1100x733 Mortgage prison

Breaking out of mortgage prison: can easing serviceability buffers help?

Have you been keen to refinance but told you can’t? You’re not alone. Many Australian households are currently locked into their home loans due to rising […]

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Blog 1100x733 Intentions

Homebuying intentions climb as Aussies untie themselves from rental crunch

Despite the soaring cost of living and successive interest rate hikes, homebuying intentions have climbed, latest data shows. So why are so many people still chasing […]

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Blog 1100x733 Serviceability

Mortgage serviceability: how to jump through the hoops

Mortgage serviceability can feel like a frustrating hurdle to clear. But it’s an important safeguard against borrowing too much, particularly in the current interest rate landscape.  […]

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Blog 1100x733 June Hike

RBA attempts to beat back inflation with another rate hike, up to 4.10%

Drumroll … The RBA has hiked the official cash rate for the 12th time since April 2022, increasing it to 4.10%. How much will this increase […]

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Blog 1100x733 smaller home

Why more Aussies are turning their backs on the McMansion

Australians are increasingly “thinking small” when it comes to buying a home and cracking the property market. And with perks like affordability, more desirable locations, and […]

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Blog 1100x733 Rebound

Is the property market starting to rebound?

Navigating the Australian property market over the past year has felt like standing on shifting sands. But is the market starting to regain stability? And if […]

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Blog 1100x733 Property valuation

Property valuation: what you need to know when buying a home

When buying property, it’s good to know the market value. After all, you want to know you’re paying a fair amount. But the property’s value is […]

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Blog 1100x733 EOFY 2023

Heads up business owners: the asset write-off deadline is looming!

Business owners wanting to buy a vehicle, asset or important piece of equipment and immediately write off the full cost have just over a month to […]

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Blog 1100x733 home guarantee May 2023

More home buyers set to benefit from low deposit, no LMI schemes

More Australians (and permanent residents!) will soon be eligible for a leg up into the property market under an expanded Home Guarantee Scheme. Today we’ll run […]

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Blog 1100x733 May 23 rate hike

Homeowners brace as RBA raises cash rate to 3.85%

The Reserve Bank of Australia (RBA) has increased the official cash rate for the 11th time in the past year, taking it to 3.85%. Have we […]

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Blog 1100x733 Top Rate Cycle

Tips to help stay on top amidst the rate hike cycle

With every RBA rate rise announcement, mortgage holders brace themselves for impending repayment increases. Here’s how to stay on top of your mortgage and feel financially […]

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Blog 2200x733 bounce Apr 2023

Property listings and prices are bouncing back

As property prices start to climb, listings are following suit. So if you’re hunting for a home, what does this mean for you? If you’ve been […]

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Blog 1100x733 rate cliff April 2023

What is the fixed-rate cliff and how can refinancing help?

You’ve probably heard the term “fixed-rate cliff” bandied about in finance news feeds. But what is it? And if you’re about to head over it, how […]

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Blog 1100x733 April 23 rate hold (1)

Mortgage holders granted a reprieve as RBA puts interest rates on hold

And … exhale. After 10 straight rate hikes the Reserve Bank of Australia (RBA) has today decided to put the official cash rate on hold. But […]

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Blog 1100x733 money habits

Money habits that may raise lenders’ eyebrows

We all know being on our monetary best behaviour can help to land a home loan. But did you know there are common spending habits you […]

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Blog 1100x733 first home buyer saving drop

Time to jump in? First home buyer deposit saving times plunge

Home loan headlines have been, let’s face it, a bit of a downer of late. But the good news is that first-home buyers are now reaching […]

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Blog 1100x733 rates and migration

Got an eagle eye on house prices? Rate rises are only part of the story

Rate rises can affect the property market, as we’ve all seen of late. But there are other factors that appear to hold longer-term sway over national […]

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Blog 1100x777 rate hike March 2023

Homeowners feel the pinch as RBA lifts cash rate to 3.60%

The Reserve Bank of Australia (RBA) has increased the official cash rate for a tenth straight meeting, taking it to 3.60%. How much will this rate […]

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Blog 1100x733 property trends Feb 2023

The latest twist in the tale of national property prices: explained

The property market has had more plot twists than a daytime soap opera in recent years. So getting the skinny on current trends is helpful when […]

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Blog 1100x733 buying heat

Take the heat off rate hike fears with these 4 tips for buyers

Have recent rate hikes made you nervous about taking the plunge into the property market? You’re not alone; it’s a buyer’s market for a reason. Here’s […]

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Blog 1100x733 fixed rate cliff 2023

How to prepare for a fixed-rate mortgage cliff

Do you have a fixed-rate mortgage contract that’s coming to an end soon? It can be a stressful time, particularly with rate rise news dominating the […]

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Blog 1100x773 rate rise Feb 2023

RBA hikes the cash rate for the ninth time in a row, to 3.35%

The Reserve Bank of Australia (RBA) has kicked off 2023 by increasing the cash rate a further 25 basis points to 3.35%. How much will this […]

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Blog 1100x733 refinancing Feb 2023

Considering refinancing your mortgage? Here are some questions to ask

Home loan not up to scratch? Looking for a better rate? Or do you want to unlock equity? Then refinancing could be for you. But there […]

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Blog 1100x733 job switch

Can a job switch affect your mortgage application?

Changing jobs may offer more perks – higher income, greater fulfilment, and the opportunity for growth are often things people look for in a new gig. […]

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Blog 1100x733 reno 2023

Planning a reno in 2023? Here are 4 tips for smooth sailing

Having a spruced-up home feels great. And it can also boost your home’s value. But, as exciting as the prospect of rolling up your sleeves and […]

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Blog 1100x733 refinance school holidays

Get a financial head start on the school year

Finding the time to delve into your finances can be a struggle. But the school holidays can offer the perfect time, especially for teachers. Get cracking […]

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Blog 1100x733 tenanted property

What you should know about buying a tenanted investment property

Buying a rental property is a popular way to invest. But where do you stand if the property you’re eyeing off already has a tenant? We’ll […]

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Blog 1100x733 2023 resolutions

4 New Year’s resolutions for financial fitness

As the sun rises on January 1, many Australians will be getting started on their new year’s pacts. The gym will be full of determined resolution […]

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Blog 1100x733 xmas 2022

Seasons greetings! Here’s to a happy and prosperous 2023

End-of-year festivities have snuck up on us! Wishing you and yours a swell Noel and a wonderful new year. It’s time to dust off that kitsch […]

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Blog 1100x733 FHB swoop

First home buyer numbers have halved: is it time to swoop in?

Repeated cash rate hikes have put many first home buyer plans on hold. So could you swoop in and reap the benefits with less competition in […]

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Blog 1100x733 rate hike Dec 2022

Are we there yet? RBA hikes cash rate for eighth straight month to 3.10%

The Reserve Bank of Australia (RBA) has driven the cash rate up by another 25 basis points to 3.10%. Find out how much this final cash […]

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Blog 1100x733 inheritance

Where there’s a will (and genuine savings), there’s a way

Inheritances can be a bittersweet part of life. But an inheritance alone won’t always cut it when applying for a home loan. Having genuine savings can […]

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Blog 1100x733 phone or loan

Your new phone or your home loan? What would you research more?

What’s more important: your new phone or your next home loan? Well, we were stunned to see a recent survey that showed Australians put more effort […]

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Blog 1100x733 home loan heartbreak

5 surprising reasons for home loan heartbreak

Whether it’s your love life or your home loan application, no one likes getting rejected. There are many reasons why it could happen, and some can […]

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Blog 1100x733 buying cheaper

Buying could be cheaper than renting for a third of properties

For many Australians, rate hikes and inflation have made the dream of property ownership feel ever more distant. But a recent analysis shows that meeting mortgage […]

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Blog 1100x733 rate rise Nov22

Hold your horses: RBA hikes cash rate again to 2.85%

Whoa, Nelly! The Reserve Bank of Australia (RBA) has lifted the official cash rate again, this time by another 25 basis points to 2.85%. How much […]

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Blog 1100x733 equity Oct 22

With property prices dropping, is now the time to refinance?

You may have heard that property values are on the decline. But what does this mean if you’re planning to refinance? We’ll discuss how falling housing […]

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Blog 1100x733 invest Oct 2022

Is now a good time to buy an investment property?

You’ve bought a home. And now you might be considering adding an investment property to your portfolio. But have recent interest rate hikes cooled your heels? […]

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Blog 1100x733 nurse

Nurses and midwives now eligible for LMI waiver

Nurses, midwives and other important healthcare professionals can now qualify for a lenders mortgage insurance (LMI) waiver policy. Here’s how it could save them thousands and […]

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Blog 1100x733 rate rise Oct 22

RBA lifts cash rate for the sixth month in a row to 2.60%

The Reserve Bank of Australia (RBA) has hiked the official cash rate by another 25 basis points to 2.60%. How much will this rate hike increase […]

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Blog 1100x733 ditch renting

How to escape renting and get into the property market

The recent decline in rental properties has caused many to feel uncertain about their housing situation. Here’s how you can leave renting in the dust and […]

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Blog 1100x733 prep rate rises Sept 22

How long does it take for an interest rate rise to kick in?

Household budgets around the country are feeling the brunt of five back-to-back rate hikes. And we’ve been warned more are on the way. But just how […]

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Blog 1100x733 buy now_ Sept 2022

Is now a good time to buy?

Recent back-to-back interest rate hikes have led to a cooling of the property market, and with more rate rises predicted, you may feel like pumping the […]

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Blog 1100x733 Sept 2022 rate rise

RBA hikes the cash rate for fifth straight month to 2.35%

The Reserve Bank of Australia (RBA) has hiked the official cash rate by another 50 basis points to 2.35%. Here’s how much you can expect to […]

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Blog 1100x733 RRR

What happens when you roll off your fixed-rate mortgage?

They say all good things come to an end, and that includes your ultra-low fixed-rate home loan period. So what can you do to ensure a […]

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Blog 1100x733 buy the dip (1)

Property prices are predicted to dip: 5 ways you can prepare to buy

Property prices are predicted to fall over the coming year, but it’s always hard to know exactly when they’re going to start trending back up again. […]

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LVR

What Is LVR And Can You Avoid Paying Lenders Mortgage Insurance (LMI)

Buying a home or investment property can be daunting but it can also make you feel elated. Either way it all starts with saving for a […]

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12

12 Step Guide to Speed Up Your Home Loan Deposit Savings

It has been suggested it could take a person nine years to save for a deposit on a home in capital cities and just over seven […]

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temp

Are You Tempted to Buy Off the Plan?

Presently, one of the contributing factors for our robust property market is strong buyer demand unable to be satisfied with the limited supply. This demand surplus […]

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buy

Buying Off The Plan – For or Against

Buying off the plan is again becoming increasingly popular. Are you thinking about paying a deposit now to buy a brand new off the plan apartment […]

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Afterpay

Afterpay Day Spend Could Cost You

Many of us are guilty of using Buy Now Pay Later (BNPL) to buy a new pair of shoes, clothes or even a short break or holiday. However, […]

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6 Ways

6 Ways You Could Be Affecting Your Credit Score

Did you know that your Buy Now Pay Later (BNPL) shopping  habits could affect your credit score? This is just one way you  could affect your […]

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COmpell

Compelling Reasons To Fix Your Home Loan

According to one of the country’s leading lenders, previously  only about 15% of Australians fixed their home loan interest rate,  however in recent months as many […]

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Fixed

Is A Fixed Rate Home Loan Right For You?

Pros and cons of fixed rate home loans Choosing a fixed interest rate home loan does offer comfort and  certainty over your loan repayments. But fixing […]

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Neo

Online Or Neobanks: Convenience Could Cost You!

As if choosing a property isn’t hard enough, there is also the  added challenge of selecting the right lender and home loan  from the vast number […]

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imag1

Considering Refinancing? Time to Tidy up Your Finances First

If you intend to refinance, you should speak with  your finance specialist (that’s us!) to help you  understand your borrowing capacity. We can draw  upon our […]

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Is a Reno Now Pay Later the Best Way to Fund Your Refurb-FI

Is a Reno Now-Pay Later the Best Way to Fund Your Refurb?

The temptation of ‘Renovate-Now-Pay-Later’ may at first glance look appealing, but are there other factors that need to be considered? The warmer weather may have you […]

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