The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation. Here’s how to do it.   Understand your borrowing capacity Generally...

Because they can save you time and money As the home loan market becomes increasingly complex, more people are turning to a mortgage broker. Whether you’re in the market for your first home or building a portfolio of investment properties. Here are some of the...

It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why: The redraw facility explained A redraw facility lets you make additional repayments to reduce your variable rate home loan balance and save on interest. If...

If you’re serious about buying a property, knowledge is power – that means asking loads of questions before signing dotted lines.   Questions to ask the real estate agent: Can you show me a recent property sales report to show what the house is worth? Why you need to...

The home loan market is constantly changing, with new and attractive deals coming up all the time. Refinancing can help you secure a more competitive interest rate, access the equity in your home, add features (such as an offset account) or consolidate your debts, but...

In this present climate of low interest rates, there are some great ways to maximise the impact of these low rates on your finances that will help support your financial growth. COMPLETE A REVIEW OF YOUR present loan FACILITIES In a low interest rate environment like...