Common Guarantor Loan Mistakes Families Make
Common Guarantor Loan Mistakes Families Make Guarantor loans can be an effective way for families to help loved ones buy a home sooner, but they’re often entered into without fully understanding the risks and responsibilities involved. Many issues don’t arise from bad intentions, but from simple misunderstandings at the start. Understanding common guarantor loan mistakes […]
How Lenders Assess Home Loan Applications for First Home Buyers
How Lenders Assess Home Loan Applications for First Home Buyers Buying your first home is exciting, but the loan assessment process can feel confusing if you don’t know what lenders are really looking for. First home buyers are assessed differently in some key areas, particularly around savings history, expenses, and borrowing capacity. Understanding how lenders […]
Fixed vs Variable Loans: Questions to Ask Your Broker
Fixed vs Variable Loans: Questions to Ask Your Broker Choosing between a fixed and variable home loan isn’t a decision you want to make based on headlines, gut feel, or what a bank branch suggests. A good broker should help you think through how each option actually fits your situation — not just quote today’s […]
Negative Gearing: How It Works and Who It’s Beneficial For
Negative Gearing: How It Works and Who It’s Beneficial For Negative gearing is one of the most talked-about property investment concepts in Australia, yet it’s often misunderstood. Many people hear about the tax benefits but aren’t quite sure how negative gearing actually works — or whether it’s something that would suit their own situation. Let’s […]
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 […]
Mortgage Terms Explained: Frequently Asked Questions
Mortgage Terms Explained: Frequently Asked Questions If you’re new to home loans, the language can feel confusing fast. Mortgage statements and loan documents are full of terms that sound technical — but most are simpler than they look. Here are some of the most common questions first home buyers ask about mortgage terms, answered in […]
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 […]