Why you still might not be able to borrow - even if you have a lot of equity.
It can happen that you can have a property with a lot of equity, or you have a very large deposit, but we tell you that your income isn’t...
Bridging loans exposed
What a bridging loan does is essentially gives you the finance to buy a new property without your old home being sold, yet. This gives...
Why I love being a mortgage broker
First up – I have an amazing job that I love and even better it’s a win – win, the better I do for you the better it is for me. I’m a...
A small renovation, like a new kitchen, could cost you as little as $40 a week, or nothing at all if
Most of us are living with at least one home feature that we don’t love – a kitchen, a bathroom, old deck or lack of car accommodation –...
Rate cut - astounding!
At the RBA meeting today the decision was made to cut interest rates by 0.25% to an absolutely unheard of 1.5% official cash rate - on...
Beware the cost of lost opportunity
Occasionally we are presented with opportunities that we know or believe would make a difference in our lives – and sometimes they are...
Fixed rate...to fix or not to fix?
Fixed Rate: An interest rate set for an agreed term. Eg. for 2, 3, or 5 years. Fixed rates are akin to a contract – you agree to pay the...
Buying with Friends or Family!
In our area we are blessed to be surrounded by plenty of land, open space, and a lot of it is acre lots and over. And we desire it, we...
What is special about a ‘portable loan’?
Most lenders offer portability with their home loans, but what does that actually mean? If your loan is portable it means you can change...
LVR - Loan to Value Ratio
Loan to Value Ratio (LVR): The percentage of the value of the property that you propose to borrow. Why is this important? Well if you are...
