From a 300 Credit Score to Mainstream Lending: A Two-Year Journey
Not every lending story starts in a strong financial position. Sometimes the biggest wins come from helping a client rebuild after a difficult period. One of our long-term clients approached us in mid-2024 looking for guidance during a really challenging personal situation. He was going through a really challenging breakup, and, his former partner was not playing the game at all. She was refusing to leave the home, refusing to contribute anything to the mortgage or rates on
Debt recycling is a financial planning strategy, that gets the approval of your accountant needs your mortgage broker to facilitate
Debt Recycling Explained Debt recycling is a strategy some Australians use to turn their home loan into a tool for building wealth. The idea is simple: over time, you replace your non-deductible home loan debt (which gives you no tax benefit) with investment debt (which may be tax-deductible). Now lets stop here and insert the standard disclosures – we are not giving you tax advice and we recommend you bring in your trusted professionals. Here’s how it works: · You star
Cashdeck and Frollo Open Banking
Cashdeck and Follow banking technology making gathering bank statements easy
How can I best use my offset account
How to use an offset account for maximum benefit - and what to do if an offset isn't suitable for you
The Impact of Stage Three Tax Cuts on your Borrowing Capacity
As Australia sees the implementation of the stage three tax cuts, many Australians are curious about how these changes will affect their...
Good morning - welcome to a new tax year
Welcome to the 2025 financial year - the great news is from today you will receive more cash in your pay packet - winning!! The tough...
What is a Mortgage Broker?
A mortgage broker is a financial intermediary who acts as an intermediary between borrowers seeking mortgage loans and lenders who...
State buyer support programs - the good and the bad
QLD, Victoria and New South Wales have all released programs to support buyers purchasing their first home as a key worker, a single...
Are home loan rates going to drop?
This has to be the top question on all borrowers minds right now, and for good reason – interest rates are as high as they have been in...
Lenders are now reporting your “on time” payment history – and it matters, a lot.
Lets delve into the evolution of credit reporting in Australia, specifically focusing on RHI reporting. Before 2020, credit reports...
