Insights
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Lending
Brokers Predict FHB Growth as RBA Cuts Work Through the Loan Market
Investors and homeowners alike have been asking “have the recent rate cuts produced a wave of confidence in the housing market?” We asked our brokers…
Low Interest Environment – An Opportunity to Get Ahead
Many home loan customers have expressed great relief at the two recent rate cuts with many now experiencing the lowest interest rate environment they have…
Four Refinancing Myths Exposed
Media headlines are encouraging home loan customers request better deals from their lenders or simply ‘vote with your feet’. It’s true we are in a…
How is My Mortgage Affected by the RBA Decision?
Many of the major lenders have come out recently with their expectations of a rate cut or two before the year ends. Expectations were high…
What Type of Buyer Am I? Let’s Find Out
Today we wrap up our two-part series on What type of buyer are you? If you believe that 2019 is your year to secure a…
What Type of Buyer am I? Let’s Find Out.
Today we start our two-part series on What type of buyer are you? There is so much here that we don’t want to take any…
Should You Use a Mortgage Broker?
It has been a turbulent few weeks for Mortgage brokers in Australia. The handing down of Commissioner Haynes’ report resulting from the Royal Commission into…
The Future of Interest Only Loans – Which Way Should You Turn?
It’s not as easy as it once was to apply for an interest-only loan. Over the last couple of months lending for this type of…
I’m a First-Time Investor, Can I Get a Mortgage?
Traditionally, a finance application has been the tool used to determine if an individual is able to activate their prosperity through property. Qualifying for a…
Mortgage Payments and Anxiety. Are they Linked?
Consumer anxiety has risen “sharply” in the second quarter of 2018 with the National Australia Bank’s latest consumer behaviour survey finding that anxiety had increased across…
Motor Vehicle Finance – Traps & Pitfalls
Purchasing a new car is one of life’s greatest joys. That first drive from the dealership home, the first time your friends see you driving,…
Lenders Announce Pricing Changes Outside the RBA Position
Several non-bank lenders have announced pricing changes to come into effect over the coming month. Putting the blame squarely on the increased cost of funding,…
Lenders Mortgage Insurance – Is it Worth it?
Lenders Mortgage Insurance (LMI) is generally required if you are borrowing 80% or more of the purchase price of a property. LMI can be a…
Renovation Loans are on the Rise
Australia’s Eastern seaboard has seen consistent price rises and market uplift for several years now. Australia has a long history of DIY renovations and extensions…
Positive Credit Reporting – The New System that Could Activate your Prosperity
A recent change to credit reporting in Australia has been the switch from negative to positive credit reporting – but what does that actually mean?…
Do I Still Need a Pre-Approval When House Hunting?
A formal pre-approval remains an essential step in purchasing a property. Its significance is in the comfort it provides you and your agent that a…
What is it that Still Stresses an Investor?
Fixed rate or Variable rate, it’s the one decision that causes more investor stress than any other. Just when you’ve spent months analysing the current…
Stamp Duty Concessions in NSW and VIC Helping First Home Buyers
RP Data reports that if you are looking to buy your first home, now may be the best time to do so, certainly many thousands…
Interest Only or Principle and Interest – Don’t Miss this Opportunity
In recent times we have seen continued efforts by the Australian Prudential Regulation Authority targeted at lenders, specifically focussed on their approach to investment property…