Buying an Apartment? Key Things to Watch Out For Before You Commit
Buying an Apartment? Key Things to Watch Out For Before You Commit Apartments can be a great option for first home buyers — but they do come with a few extra layers that aren’t always obvious at inspections. Knowing what to watch out for early can help you avoid surprises, budget properly, and buy with […]
Getting Ready to Buy Your First Home: What to Watch Out For
Getting Ready to Buy Your First Home: What to Watch Out For Buying your first home doesn’t start at inspections or auctions — it starts well before that. Getting ready properly can save you stress, money, and disappointment later on. This guide walks you through the key things to watch out for as you prepare […]
What is pre-approval?
What Is Pre-Approval? If you’re thinking about buying a home, you’ve probably heard the term “pre-approval” — often described as something you should get before you start house hunting. But what exactly is pre-approval, what does it actually mean, and how does it fit into the buying process? Here’s a clear, plain-English explanation. Pre-Approval Explained […]
Preparing Emotionally for a Mortgage
Preparing Emotionally for a Mortgage Preparing for a mortgage isn’t just a financial process — it’s an emotional one too. Even people who feel confident with numbers can feel anxious about committing to long-term repayments, responsibility, and change. Understanding the emotional side of borrowing helps you prepare in a more balanced, confident way, without minimising […]
Changing circumstances? Time to refinance!
Why a Change in Circumstances Is Often the Right Time to Refinance Life doesn’t stand still — and neither should your home loan. Many homeowners refinance when interest rates change, but one of the most overlooked (and important) reasons to review your loan is a change in your personal circumstances. If something in your life […]
What Records Do I Need to Keep for My Investment Property?
What Records Do I Need to Keep for My Investment Property? Keeping the right records is one of the simplest — and most important — parts of owning an investment property. Good record keeping makes tax time easier, helps ensure you don’t miss deductions, and reduces the risk of errors or issues later. If you’re […]
Tips and Tricks: Refinancing
Refinancing Your Home Loan: Tips and Tricks to Get It Right Refinancing your home loan can be one of the simplest ways to reduce interest, improve cash flow, or make sure your mortgage still suits your lifestyle. But while refinancing can deliver great results, the process works best when it’s approached with the right preparation […]
How Lenders Assess Living Expenses for Self-Employed Borrowers
How Lenders Assess Living Expenses for Self-Employed Borrowers Living expenses play a major role in home loan assessments, and for self-employed borrowers, they’re often reviewed in greater detail. Without a fixed payslip, lenders rely heavily on spending patterns to determine affordability. Understanding how lenders assess living expenses for self-employed borrowers can help you prepare accurate […]
Borrowing Less on Purpose: Why It’s Smart
Borrowing Less on Purpose: Why It’s Smart When people talk about buying a home, the focus often turns to how much they can borrow. Online calculators, bank estimates, and casual conversations tend to revolve around maximum figures. But borrowing less than the maximum isn’t a sign of playing it safe or missing out — it’s […]
How to Set a Comfortable Future Budget
How to Set a Comfortable Future Budget When people think about buying a home, they often focus on how much they can borrow rather than how much they should borrow. While lenders assess maximum borrowing capacity, your personal comfort matters far more in the long run. Setting a comfortable future budget is about protecting your […]