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First Home Buyer’s Guide

What grants and incentives can first home buyers get? As a first home buyer, you may be eligible to take advantage of various incentives and grants offered by the government.  But how do you know what’s relevant to you?  We’ve summarised what is available state by state below. Nationally Practising solicitors are eligible to borrow […]

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 trusted advisor in your corner. However, there is still a lot of confusion about what brokers do and how their service compares to going directly […]

How to refinance your mortgage in 3 easy steps

Refinancing your home loan can result in better mortgage rates, lower monthly repayments, and shorter loan terms. With the current cash rate set by the RBA at a historic low of 0.25%, many banks and lenders are offering attractive interest rates that could save you thousands. Now is a great time to look at whether […]

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 the 1st of January 2020. The First Home Loan Deposit Scheme Start date: 1 January 2020 Eligibility: Singles earning less than $125,000 Couples earning less […]

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 property, having access to extra cash is vital for two reasons: to cover the costs of maintaining the property, giving it the best chance of […]

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 circumstances. In very basic terms, when a lender considers a loan to carry a high risk, LMI is likely payable. Here’s how you can avoid […]

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 for you to follow. 1. Find a specialised broker Commercial lending is very different to residential, so when searching for a broker, it is important […]

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 more legwork and creativity is often required. Understand what you’re doing Working on a heritage listed property comes down to knowing the implications of your […]