Melbourne, VIC
Blogs
Profitable on Paper, Struggling for Cash? Here Is Where the Money Could Be Going
Running a small business means keeping a close eye on money coming in and going...
The Number Your Bank Looks at Before You Refinance
When homeowners think about refinancing, the interest rate often gets the most attention However, another...
How Some Self-Employed Business Owners May Be Eligible to Apply Sooner Than Expected
Many self-employed Australians believe they need several years of financial records before applying for a...
The Hidden Deposit Sitting Inside Your Home Right Now
Many Australians believe they need to save another large deposit before buying an investment property....
When Tax Returns Do Not Reflect Your Home Loan Position
Many business owners work hard to build successful businesses, yet they sometimes face challenges when...
Key Finance Decisions That May Shape a Property Portfolio
As property portfolios grow, financing can become more complex. Many investors start with a straightforward...
How Lenders Assess Overtime, Shift Pay and Allowances for Home Loans
Many Australians earn more than their base salary. Healthcare workers, emergency services personnel, miners, tradespeople,...
The Home Loan Myth That Stops Business Owners From Investing
Many business owners assume they need multiple years of tax returns before they may be...
Fixed Rate Expiring? Melbourne Investment Strategy
If your fixed rate is expiring on your home loan in Melbourne, Victoria, this can...
Borrowing Capacity for Property Investment in Melbourne
If you are planning a property investment in Melbourne, your borrowing capacity will play a...
Low Doc vs Full Doc Home Loans: Self-Employed Guide Australia
Low doc vs full doc home loans are a key consideration for self-employed borrowers in...
Rental Yields vs Capital Growth: Property Investment Guide 2026
Rental yields vs capital growth is a key consideration for Australian property investors in 2026....
Closing Cost Guide for First-Time Home Buyers
Buying your first home in Australia can be exciting but overwhelming. Many first-time buyers are...
Buying a Property: Budgeting Tips Every Couple Should Know
Buying a property is one of the most significant financial decisions couples in Australia can...
How to Buy off the Plan in Australia
Buying off the plan is a popular option for Australians looking to secure a brand-new...
First Home Buyers: Should You Break Your Term Deposit?
Thinking about breaking your term deposit to buy your first home in Australia? That’s a...
The Ultimate 2026 Guide to the Australian Property Market
The Australian Property Market is showing strong signs of change as 2026 begins. Understanding trends,...
Why Summer Can Work for Selling Your Home in Australia
Selling your home in the warmer months can be a smart move, but preparation is...
Smarter Car Buying Tips Every Australian Driver Should Know
Buying a car has never really been anyone’s idea of fun. Between pushy salespeople, mountains...
Mortgage Insurance in Australia: LMI vs MPI Explained for Homebuyers
Buying a home in Australia is one of the biggest financial steps most people will...
How Australian Families Can Juggle a Mortgage and a New Baby
Learning you’re going to have a baby is one of life’s biggest thrills. But when...
How to Bid Successfully at Auction: Tips for Property Buyers
Buying a home at auction can feel like a mix of excitement and nerves. The...
Are You Ready to Buy? Key Signs It’s Time to Stop Renting
Owning your first home is not just a financial milestone; it’s a design statement. Let’s...
A Smarter Way to Manage Tax Debt in Australia
Dealing with tax debt can feel overwhelming, especially when money is already tight. But ignoring...
How to Build a Powerful Property Portfolio
Getting into the property market means building a serious property portfolio. And it’s not something...
Can Debt Consolidation Help Your Credit Score?
Is your debt piling up and your credit score heading in the wrong direction? You’re...
Fixed, Variable and Split Loans – What’s the Real Deal?
Going through the different types of loan options can sometimes feel like a maze. With...
Smart Mortgage Moves for a Stress-Free Retirement
Retirement should be about kicking back, enjoying life, and doing more of what you love…...
How Much Deposit Do You Really Need to Buy a House in Australia?
Have you ever found yourself daydreaming of having your own land or house? But the...
Investment Property Secrets For Investors
An investment property is a piece of real estate bought to make money, not as...
Smart Refinance Hacks To Lower Debt And Grow Equity
So, you’re sitting there, staring at your mortgage, thinking: “Okay, I’m making the payments… but...
Guide to Finding Hidden Property Deals in Australia
If you’ve ever felt like every half-decent property in Australia gets snatched up the minute...
Fact or fiction: do property values double every 10 years?
It’s a common belief that real estate values double every decade. But is this true?...
Albo re-elected: what’s on the board for home buyers and owners?
The votes have been cast and it’s clear Labor will hold the reins of federal...
Myth buster: do weekly repayments pay off an offset loan faster?
There’s a common misconception around offset account home loans that making loan repayments more frequently...
Could US tariffs be good news for Aussie home owners?
Tariff-triggered cuts to interest rates could be just around the corner, with Australian borrowers the...
Election 2025: what’s on offer for first home buyers?
Australians will head to the polls on May 3, and with housing affordability shaping up...
Home owners notch up gains of $230,000 in just 5 years
Did you know that the average home owner saw their property’s value rise $46,000 per...
Why 1-in-2 families are thinking of refinancing
The RBA may have swiped left on an April rate cut, but plenty of home...
Sounds of silence: how traffic noise can impact property values
‘Close to public transport’ is often touted as a plus for home buyers. But new...
5 fun (and budget-friendly) ideas for an Easter staycation
This Easter offers more than chocolate eggs and hot cross buns. It brings a rare...
Low cost renos to help keep your home cosy this autumn
It’s been a long, hot summer, but the seasons are shifting and it’s time to...
Was that the shortest property downturn ever?
The so-called market ‘downturn’ we saw over the last few months was a blink-and-you-miss-it affair....
Major change coming to mortgage rules for university grads
Good news for the three million Australians who have a student debt. New rules are...
RBA cuts the cash rate for the first time since 2020
Finally, a long-awaited reprieve for borrowers. The Reserve Bank of Australia has today cut the...
The scheme that’s helped 193,000 Aussies buy a first home
If you’re in the market for a first home, there’s one scheme you should know...
What happens to my home loan if interest rates fall?
Great news for home owners – plenty of economists are tipping an RBA rate cut...
The top 5 location turn-offs for Aussie home buyers
Ever spotted a bargain property and then thought to yourself: ‘What’s the catch?’ Well, more...
How to finance your 2025 home renovation
Bathroom blitz? Kitchen kit out? Or perhaps some landscaping love might be on your house...
Decisions decisions… Fixed-rate vs variable home loan rate
Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate...
House, apartment or townhouse? The pros and cons of each
There’s much more to property in Australia than just houses or units. And if you’re...
Three financial New Year’s resolutions to tackle 2025 head-on
How are your New Year’s resolutions coming along? If you’re like most people, they’re likely...
Merry Christmas! And thanks for your support in 2024!
With the holiday season upon us, we’d like to express our heartfelt thanks to all...
Have you refinanced recently? It could be time this summer break
If you haven’t looked into refinancing since the start of higher interest rates, it might...
How did property prices go in 2024? And what’s tipped for 2025?
As we head towards the end of 2024, let’s take a look at how property...
Thinking of buying a holiday home? Here’s what to weigh up
The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some,...
Thinking of installing a swimming pool for summer?
There are few better ways to beat the summer heat than floating in your very...
Buying land to build on later: what you need to know
You’ve seen the perfect piece of land but you’re not quite ready to build. No...
Do you really need a building inspection?
Your home is possibly the most valuable asset you will ever own. So it’s worth...
Can we expect the RBA to cut back rates this summer?
With just one RBA rate decision left for 2024, homeowners may be holding onto hopes...
How much does LMI really add to a home’s cost?
Saving for a 20% house deposit is like house training a wilful Labrador. It requires...
How to nail a home loan if you’re self-employed
It’s the great Australian dream for many: giving the 9-to-5 grind the flick and running...
What’s going on with negative gearing?
Negative gearing is in the headlines again. But what is it all about, and could...
How long it takes to save a deposit (and how to fast-track it)
Planning to buy your first home? It takes (on average) about five to six years...
Could rate cuts mean house prices heat up again?
Thinking of holding off buying until interest rates fall? Wait until you see what could...
Why 9 out of 10 first-home buyers use a mortgage broker
Remember the first time you stepped into a gym? It’s unlikely you swaggered your way...
TikTok vs talking to your broker? It’s no contest
TikTok and Instagram reels are fun, fast and free – but it’s important to be...
Fixed rates tumble: a sign of things to come?
When will interest rates fall? It’s the question everyone is asking right now, and while...
The home loan feature 70% of new borrowers are hooked on
When it comes to home loan features we’re spoiled for choice. Even basic loans can...
How much has your home’s value risen by?
We’ve all heard the rule of thumb about property being a long-term investment. Well, get...
How to buy an investment property using your home’s equity
Want to grow your investment portfolio but have most of your wealth tied up in...
Does your job come with home loan perks?
Your job can provide more than an income. When it comes to being approved for...
Why multi-bedroom homes could be appealing for investors
A cost of living crunch is driving a new trend among renters – and it’s...
Low deposit scheme opens up to New Zealander visa holders
Kiwis hoping to buy a first home in Australia have just scored gold! The popular...
Is fear of rejection holding you back from your life goals?
Scared to apply for a home loan? You’re not alone. Fear of rejection has stopped...
How much could you expect to borrow for a home in 2024?
As property prices hit record highs across a number of cities, it’s no surprise that...
50,000 low-deposit spots open for first home buyers and single parents
The new financial year has kicked off with a bang for first home buyers! A...
Will home prices keep rising over the next year?
Property prices are expected to keep climbing higher through to mid-2025 – though not everywhere,...
Rate cuts? Pencil them in for 2025
Put the party pies on ice and postpone those rate-cut celebrations for a while yet....
Is a tree or sea change on your horizon?
Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in...
Why three-in-four Aussies turn to a broker for home loan help
You might have seen a headline or two about a particular big bank being at...
First home buyers turn to Bank of Nan and Pop
Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking...
What you should know before buying ‘subject to finance’
Not sure if you’ll get the thumbs up for a home loan? But you really,...
Not feeling the budget love? 4 ways you could still get ahead
If the latest federal government budget is leaving you hungry for perks and savings, you’re...
Low deposit scheme helps over 150,000 families buy sooner
Whether you’re rat running your local streets, or have a knack for always picking the...
Here’s why your borrowing power might soon get a lift
Who doesn’t love a tax cut? Most of us are now only weeks away from...
How to know if you’re paying a fair price
We all love the idea of nabbing a bargain property, but for most home buyers...
Can you remember your home loan interest rate?
Where you put your car keys, who won the footy premiership three years back, the...
Plot twist: Millennials are Australia’s most active property investors
When it comes to buying investment properties, younger Australians are punching above their weight, with...
Homeowners now an extra $71,000 richer (on average!)
You may not feel richer, but if you’re a homeowner, there’s a decent chance your...
FOMO, FOBO and FOOP – how they can hold you back
Nobody likes missing out on a good thing. But then again, who likes overpaying? So...
Explainer: how construction loans work
There’s something very special about moving into a newly built home or putting the finishing...
Why offset accounts are hitting new highs
Spare cash can be tight right now (cost of living crunch, anyone?). But if you’ve...
How long does it really take to get a home loan?
Need a home loan in a hurry? You could be in luck. Plenty of lenders...
Where are the bargain homes located in your suburb?
Location may be a big driver of property prices, but in any given suburb a...
Home buyers rejoice! More listings are hitting the market
Great news for home buyers! After an extended run of low listings, the number of...
They’re back! Why property investors account for one-in-three new home loans
Lending to property investors is soaring once again. We lift the lid on what’s driving...
When will the next RBA cash rate call be made?
Happy days! The Reserve Bank kept rates steady in February. But a shake-up in the...
4 tips for self-employed home loan applications
Applying for a mortgage when you’re self-employed may have you jumping through more hoops. But...
First home buyers charge back into the market
Hats off to Australia’s first home buyers! The latest lending data shows they’re refusing to...
How your deposit size can shape the rate you pay
It’s commonly known that the bigger your deposit, the smaller your home loan, and thus,...
The pros of having a mortgage broker on your side
What exactly can a mortgage broker do for you? Well, we don’t mean to toot...
5 New Year’s resolutions for your home loan
Thought of a New Year’s resolution yet? Or perhaps you’ve broken one already? Either way,...
Merry Christmas! Season’s greetings from all of us to you
The year has flown past, and as our thoughts turn to trees, tinsel and turkey,...
Ho ho ho! The smart move that has 1 in 10 borrowers feeling jolly
Home owners have been battling rising interest rates for over a year and a half...
What’s tipped for house prices in 2024?
If buying a home is at the top of your wish list for 2024, don’t...
More lenders sign up to low deposit first home buyer scheme
First home buyers with a small deposit now have an even wider range of lenders...
How to manage your home loan over Christmas
It may be called the silly season but a few smart strategies could help you...
The big stretch: should you extend your loan term?
If the November rate hike will seriously stretch your finances, one potential solution may be...
RBA increases the cash rate by 25 basis points, up to 4.35%
The Reserve Bank of Australia (RBA) has increased the official cash rate by 25 basis...
Brokers help settle a record 7-in-10 new mortgages
Mortgage brokers have notched up a new personal best, with seven out of every 10...
Revealed: the four cities tipped to be future property hotspots
No matter whether you’re in the market for a home or an investment property, it...
How much can you really save by refinancing?
Not sure what refinancing is all about? You’re not alone. Our quick explainer lets you...
One-in-three first home buyers use guarantee schemes
Know anyone who wants to buy their first home? A new report confirms that low...
The one big factor pushing house prices up
Property prices have soared almost 7% this year alone. With the upswing predicted to continue,...
Flat chat: why units could soon become hot property
Apartments stand out as an affordable choice when it comes to cracking the property market,...
3 ways pre-approval can give buyers an edge
There’s a lot to be said for having your home loan pre-approved. But does pre-approval...
Property market climbs towards new peak
The property market has thumbed its nose at higher interest rates, with values rising almost...
How does your home loan compare?
No change to the cash rate again this month, but lenders’ mortgage rates have been...
Low deposit first home buyers now have $82,000 in equity
First home buyers who bought into the market using the federal government’s 5% deposit scheme...
Help to Buy Scheme set to kick off in 2024
The highly anticipated Help to Buy Scheme will kick off next year, giving more Aussies...
More Aussies turn to mortgage brokers for a hand managing hikes
An avalanche of rate hikes over the past 18 months has supersized home loan repayments....
Sneaky rate hikes – is your lender behind them?
The Reserve Bank (RBA) may have kept the cash rate on hold but that hasn’t...
Has the tide turned? What the RBA rate pause means for homeowners
Mortgage holders rejoice – the Reserve Bank of Australia (RBA) kept the cash rate on...
Why are fixed rates still rising? And when might they drop again?
With plenty of pundits tipping interest rates will start to fall in the next 12...
Where homeowners are spending $1 billion a month
Australians are showering their homes with $1 billion worth of love each month as home...
Could apartment living help you dive into the property market sooner?
Buying a home for the first time can be challenging, especially with house prices soaring...
Mortgage holders breathe a sigh of relief as RBA puts cash rate on hold
Phew! The Reserve Bank of Australia (RBA) has today decided to put the official cash...
Breaking out of mortgage prison: can easing serviceability buffers help?
Have you been keen to refinance but told you can’t? You’re not alone. Many Australian...
Homebuying intentions climb as Aussies untie themselves from rental crunch
Despite the soaring cost of living and successive interest rate hikes, homebuying intentions have climbed,...
Mortgage serviceability: how to jump through the hoops
Mortgage serviceability can feel like a frustrating hurdle to clear. But it’s an important safeguard...
RBA attempts to beat back inflation with another rate hike, up to 4.10%
Drumroll … The RBA has hiked the official cash rate for the 12th time since...
Why more Aussies are turning their backs on the McMansion
Australians are increasingly “thinking small” when it comes to buying a home and cracking the...
Is the property market starting to rebound?
Navigating the Australian property market over the past year has felt like standing on shifting...
Property valuation: what you need to know when buying a home
When buying property, it’s good to know the market value. After all, you want to...
Heads up business owners: the asset write-off deadline is looming!
Business owners wanting to buy a vehicle, asset or important piece of equipment and immediately...
More home buyers set to benefit from low deposit, no LMI schemes
More Australians (and permanent residents!) will soon be eligible for a leg up into the...
Homeowners brace as RBA raises cash rate to 3.85%
The Reserve Bank of Australia (RBA) has increased the official cash rate for the 11th...
Tips to help stay on top amidst the rate hike cycle
With every RBA rate rise announcement, mortgage holders brace themselves for impending repayment increases. Here’s...
Property listings and prices are bouncing back
As property prices start to climb, listings are following suit. So if you’re hunting for...
What is the fixed-rate cliff and how can refinancing help?
You’ve probably heard the term “fixed-rate cliff” bandied about in finance news feeds. But what...
Mortgage holders granted a reprieve as RBA puts interest rates on hold
And … exhale. After 10 straight rate hikes the Reserve Bank of Australia (RBA) has...
Money habits that may raise lenders’ eyebrows
We all know being on our monetary best behaviour can help to land a home...
Time to jump in? First home buyer deposit saving times plunge
Home loan headlines have been, let’s face it, a bit of a downer of late....
Got an eagle eye on house prices? Rate rises are only part of the story
Rate rises can affect the property market, as we’ve all seen of late. But there...
Homeowners feel the pinch as RBA lifts cash rate to 3.60%
The Reserve Bank of Australia (RBA) has increased the official cash rate for a tenth...
The latest twist in the tale of national property prices: explained
The property market has had more plot twists than a daytime soap opera in recent...
Take the heat off rate hike fears with these 4 tips for buyers
Have recent rate hikes made you nervous about taking the plunge into the property market?...
How to prepare for a fixed-rate mortgage cliff
Do you have a fixed-rate mortgage contract that’s coming to an end soon? It can...
Many people ask me if they can have an offset account for their home loan.
Offset and Redraw accounts are effective in paying down home loans faster, if used effectively....
What Can Households do as interest rates Rise?
Budget Planning: As prudent money managers, households should account for these home loan rises in...
Fixed or Variable Rates
Is this a good time to fix rates, with all the fuss about rate rises?...
Capital gains tax
If you sell an investment property, you may be required to pay capital gains tax...
Buying a property with family or friends
If you’re looking for a creative way to overcome being locked out of the property...
Questions To Ask Your Broker To Be Clear About Things
Questions to Ask Your Broker To Be Clear About Things: There are some things you...
Qualities of a good mortgage consumer
Qualities of a good mortgage consumer Some of the qualities of a good broker that...
Should I go for an independent or organization of a mortgage broker
Brokers who work independently will work more personally with you and go on to great...
Why Use Mortagage Broker – We create the best deal for you
The process of buying a home may be a dismaying job for those who are...
How A Mortagage Broker Can Help?
A suitable and qualified mortgage broker is invaluable in your wealth creation journey. Every purchase...
Recent RBA Rate Cut
Cash rate at a record low of 0.50% The Australian economy has had a tough...
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Melbourne, VIC
