Legal Home Loans

What you can expect when refinancing

Have you been thinking of refinancing your mortgage but don’t know where to start? Here’s our step by step guide to help you better understand what’s involved in the process. …

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Be prepared: What documents do I need for a home loan application?

You’ve decided to apply for a home loan. How exciting!  Being prepared and having your documents ready can help things move faster and more smoothly. However, it can feel overwhelming …

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What to do after receiving your home loan pre-approval

You’ve got your pre-approval from the bank and know your borrowing capacity. Great, what’s next? Read below for our guide on the next steps you should take: Start looking at …

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Buying a home: The upfront costs

When taking out a mortgage, there are fees and expenses you need to account for in addition to the property cost. Amidst the stress of applying for a home loan, …

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Top 3 myths about mortgage brokers

Purchasing a home is a big commitment and with the home loan market becoming increasingly complex, more people are turning to mortgage brokers. It’s important to ensure you have a …

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The first home loan deposit scheme 2020

The first Home Loan Deposit Scheme is a new initiative of the Australian Government to support eligible first home buyers to purchase a home sooner and will be introduced from …

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Why property investors need savings

Urgent maintenance is an unavoidable aspect of being a landlord, so having a cash buffer set aside will help you deal with any unexpected problems. When renting out an investment …

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Top ways to cut your expenses and increase your savings

Is the key to saving a home deposit as simple as giving up smashed avo toast for breakfast? Well not quite, but spending less does make a difference. On top …

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Buy Now Pay Later – The hidden danger potentially stopping you from owning your own home.

Have you been swept into the ‘Buy Now Pay Later’ tornado? You may have heard of AfterPay and Zip Pay, some of the leading providers of ‘Buy Now Pay Later’. …

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How to avoid paying LMI

Lender’s mortgage insurance (LMI) is required in many instances when a loan is worth more than 80 per cent of a property’s purchase price, as well as in some other …

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A preparation checklist for a business loan

Applying for a business loan is a completely different process to that of a home loan application. To ensure you don’t lose your way, we’ve set out a clear path …

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Beauty at a cost – renovating a heritage-listed home

Seeped in cultural and historical significance, it’s understandable that there are restrictions when renovating a heritage-listed home. While that’s not to say that you can’t make any changes, a little …

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How to get the biggest ROI on an investment property

When purchasing an investment property, there are a number of factors that could increase or reduce your potential return on investment. In this case, it’s not just location, location, location. …

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Is stress your workplace cancer?

Ever heard the saying “stress to success”? No? Maybe it’s just your personal hidden mantra. But we’re here to debunk the concept and advocate self-care to boost your and your …

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Why your business loan was rejected

Due to the risks involved, strict guidelines are imposed on business finance, so securing approval can be difficult. Here are a few mistakes to avoid to increase your chances of …

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Investing interstate?

When people think of buying an investment property, many only think locally. Investing in a property interstate could possibly be a smarter idea, potentially resulting in a better return on …

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What is the investment lending cap?

In an attempt to curb the high competition of the Australian housing market that locked out many would-be first home buyers, the Australian Prudential Regulation Authority (APRA) in late 2014 …

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Career planning – why money matters

LHL talks about why your money matters more now than it ever has amidst the turbulence of today’s legal industry, and why you should take responsible action to get it …

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Selling your home? Here are the first steps to take

There is more to selling your home than putting up a ‘For Sale’ sign on your front lawn. Here are the first things you should check off your list to …

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First meeting with a broker

If you’re looking for a home loan but are inexperienced with finance brokers, attending your first appointment with a broker can be a nervous experience. Getting a home loan, after …

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Exit costs when refinancing

Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a …

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How to refinance to renovate

Refinancing your assets to renovate a property is a significant decision that will hopefully improve your standard of living or add substantial value to your property. Refinancing isn’t as straightforward …

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How to speed up your home loan approval

Asking how long it takes to get a loan approved is like asking how long a piece of string is. Every application is unique, so the time between your first …

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Seven Tips For Securing A Business Loan

Securing a business loan in Australia isn’t necessarily difficult but knowing how to navigate your way can be the difference between success and failure. Banks and other financial institutions offer …

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Rentvesting

Rentvesting – enter the property market without sacrificing your current lifestyle As property prices continue to rise, purchasing in a centrally-located or sought-after area is out of reach for the …

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What comes first: the property or the loan?

It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken …

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Are you pre-approved?

Why get a loan pre-approval? What is it? How could it help you? Well, just imagine you have some money saved up or have equity to invest and you’re thinking …

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Fixed or variable rate?

Looking to invest, purchase a home or refinance? When you’ve decided on your strategy for your purchase, you’ll need to make sure you’ve selected a loan that will maximise your …

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Why would you refinance?

Have you ever felt you’re paying too much interest on your current loan/s, or perhaps you want to use the equity in your asset to finance your business or lifestyle? …

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Why use a broker?

Like many people, have you never really gauged why you’d use a broker? Have you ever thought “can’t my bank just organise my finance?” Well sure, but without a broker, …

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What’s your dream car?

Most of us have a dream car in mind, but whether it’s financially achievable is something else. That’s where we come in. We have our top tips to get you …

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Location, location, location!

Are you thinking about investing? Let’s talk familiar markets and where to buy. We’ve all heard it; “location, location, location”, is the most important aspect of home purchasing. It truly is …

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Feeling Hungry?

We’ve got the down low on Sydney’s 5 best suburbs to live in, but how do you know you’ll be comfortable in your new area? Grab a meal, maybe a …

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The hidden costs of home purchasing

Buying a home takes significant research and will likely be the most expensive and imperative purchase you will ever make. Most people need to borrow to purchase their home. Hence, …

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To invest, or not to invest?

Owning an investment property continues to be Australia’s most popular form of investment. It’s a great way to increase wealth and secure your financial future, if it’s done right. Understanding …

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HomeBuilder Grant Program

The Government has announced the new HomeBuilder program to help increase economic activity across the construction sector and get more Australians into their new home faster. Under the grant, individuals …

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Bridging loan or deposit bond?

When selling one property and purchasing another, the funds from the sale may not be available in time to use for the purchase deposit. There are typically two options in …

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Take advantage of the $150K asset write-off

UPDATE: The IAWO cut-off has been extended by six months to 31 December, 2020, by the Federal Government to help businesses and sole-traders help improve cash flow. If you’re self-employed, …

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