Fixed vs Variable Home Loans: Things to Think About Before You Choose
Fixed vs Variable Home Loans: Things to Think About Before You Choose Choosing between a fixed and variable home loan isn’t just a rate decision — it’s a lifestyle, cash flow, and flexibility decision. Rather than asking “Which is better?”, a more useful question is “Which works better for me, right now and into the […]
Reverse Mortgages: Understanding the Benefits and the Risks
Reverse Mortgages: Understanding the Benefits and the Risks Reverse mortgages can be a helpful financial solution for some people — and the wrong fit for others. They aren’t good or bad by default. Like any financial product, the key is understanding both the benefits and the risks before making a decision. The Benefits of a […]
Asking the question; time to refinance!
Questions to Ask Your Lender When Your Circumstances Change When you first took out your home loan, it was structured around who you were at the time — your income, expenses, priorities, and plans. But life changes. Income grows, families evolve, expenses shift, and goals move forward. When that happens, one of the smartest things […]
Benefits of reviewing your home loan
The Benefits of Reviewing Your Home Loan Many homeowners only think about their mortgage when interest rates change or something feels wrong. But one of the most effective financial habits you can have is regularly reviewing your home loan — even when everything seems fine. A home loan review isn’t about changing for the sake […]
Thinking of refinancing?
Thinking About Refinancing? Here Are Some Handy Tips and Tricks to Know First If you’ve been wondering whether refinancing your home loan is worth it, you’re not alone. A lot of homeowners know refinancing can help — but aren’t quite sure how the process works, what’s involved, or whether it’s the right move for them. […]
First Home Buyer Checklist: Everything You Need to Know Before You Buy
First Home Buyer Checklist: Everything You Need to Know Before You Buy Buying your first home is a major milestone — and being prepared can make the process far less stressful. Use this first home buyer checklist to make sure you’re financially ready, informed, and confident before you start your property journey. ✔ Step 1: […]
What Do Lenders Want to See?
What Do Lenders Want to See? When applying for a home loan, it’s easy to think lenders are only focused on one thing — how much you earn. In reality, lenders look at a combination of factors to decide whether to approve a loan and how much they’re comfortable lending. Understanding what lenders want to […]
Have you outgrown your mortgage?
Have You Outgrown Your Mortgage? When you first took out your home loan, it was likely designed to suit your situation at the time. Your income, lifestyle, and financial goals may have been very different to what they are today. Over time, many homeowners outgrow their mortgage without realising it. A loan that once worked […]
Is Negative Gearing Right for Me?
Is Negative Gearing Right for Me? Negative gearing is often talked about as if it’s something everyone should either do — or avoid. In reality, it’s neither good nor bad on its own. Whether negative gearing is right for you depends on your income, cash flow, goals, and tolerance for risk. If you’re wondering whether […]
What Triggers a Loan Reassessment Before Settlement for Self-Employed Borrowers
What Triggers a Loan Reassessment Before Settlement for Self-Employed Borrowers Many borrowers assume that once a home loan is approved, the hard part is over. However, lenders can reassess your application at any point before settlement. For self-employed borrowers, this reassessment can be more detailed due to income variability. Understanding what triggers a loan reassessment […]