What to ask your mortgage broker

Nov 12, 2018 1:48:00 PM

When you’re shopping around for a mortgage, there’s a lot more to consider than just the interest rate. Which is why it pays to work with a mortgage broker who understands the complexities and can guide you every step of the way. But choosing the right mortgage broker can also be tricky. Here are 5 questions we suggest you ask before deciding on a broker.


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Topics: Mortgage Broker, Australia Mortgage, Mortgage Debt, Mortgage Terms, Home Loan, Home Loan Advice

Financial Health vs. Mental Health

Nov 10, 2018 1:38:55 PM

Your debt may well be costing you more than just the interest you’re repaying! Research shows there’s a clear link between your financial health and your mental health, with some studies reporting a higher risk of mental health problems amongst people who have debt. Having just acknowledged Mental Health Awareness week in October, it’s a good time to remind ourselves of the importance of maintaining good mental and financial health.


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Topics: Mortgage Broker, Australia Mortgage, Mental Health, Financial Health, growing economic pressures, economic uncertainty, Buying a home

How debt affects your home loan application

Nov 10, 2018 11:19:02 AM

When assessing your home loan application, your lender will look closely at your financial situation, including your employment history, your income and any assets, as well your liabilities – or debt – and your outgoing expenses. Your debt to income ratio (DTI) is an important factor in this process, which some lenders use to measure your ability to make repayments.


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Topics: Mortgage Broker, Australia Mortgage, Lenders, Home Loan Advice, Home loan rates

How Lenders Assess Mortgage Applications

Nov 9, 2018 11:00:54 AM

Every lender has its own method and formulae for determining an applicant’s credibility and lender-ability. While the criteria may differ from lender to lender, there are a few factors that all lenders use to profile their clients. Take a look at what these are, and we also share a list of guidelines to ensure your mortgage application is error-free.


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Topics: Mortgage Broker, Australia Mortgage, Lenders, Home Loan Advice, Home loan rates

Understanding Asset Finance

Oct 16, 2018 8:49:32 AM

As a small business owner just starting out or expanding your growing business, choosing the right type of finance to buy the equipment and assets you need can mean the difference between thousands of dollars saved or spent. To help you choose the right finance for your business, take a look at some of your options.


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Topics: Mortgage Broker, Australia Mortgage, Investment Finance, Asset Finance, Small Business Finance, Car Loan

How Lenders Assess Risk

Oct 16, 2018 8:04:00 AM

Much like you, lenders are in business to make money, and when they lend to you, they take a calculated risk that you will repay your loan. When assessing financial risk for a business loan, lenders look primarily at the business owner but there are other equally important factors they consider too. Take a look at what these are.


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Topics: Mortgage Broker, Australia Mortgage, Small Business Finance, Investment Finance, Long term investment, Asset Finance, Risk

Home Buyer Traps to Avoid

Oct 16, 2018 7:55:42 AM

Buying a home is one of the largest and most complex purchases you’re ever likely to make. And getting it wrong can have a significant impact on both your financial and emotional health. That’s why it’s important to take time to fully research and understand the process and the complexities that go along with home buying. Here are our home buyer traps to avoid.


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Topics: Mortgage Broker, Australia Mortgage, Home Loan Advice, Home Loan, buying property, Buying a home, Investment Property, Home Buying Traps

How to Win at Auction

Oct 5, 2018 8:24:52 AM

While auctions can be an incredibly stressful and intensive – even intimidating - way to buy property, they are also one of the fastest and simplest means of selling property. As a prospective buyer, it’s important you’re familiar with the highly unpredictable and often fast-paced process of an auction in order to be successful. Here are some tips.


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Topics: Mortgage Broker, Australia Mortgage, Home Loan Advice, Home Loan, property auction, Auctions, Buying at auction

What to Think About When Writing a Will

Sep 18, 2018 7:43:31 AM

It’s not a subject most people enjoy talking about, but it’s an important one none-the-less. Writing a will ensures your assets are distributed as you would want them. When someone passes away without a will, the law determines how their assets are divided regardless of what they or their family want. Here’s what to think about when writing a will.


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Topics: Mortgage Broker, Australia Mortgage, Home Loan Advice, Home Loan, Writing a Will

Property Valuations: Maximising Your Property’s Worth

Sep 17, 2018 8:00:00 AM

Refinancing your mortgage to get a better deal or to use the equity in your property means arranging a valuation of your property to determine its value. Getting a lower than expected valuation can affect the interest rate your lender offers as well as the amount of equity you’re able to tap into. Here’s how to maximise your property’s valuation.


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Topics: Mortgage Broker, Australia Mortgage, Home Loan Advice, Home Loan, Refinancing Options, refinancing, valuation, Property Valuation