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Have you been slacking? Missing loan, credit card or utility bill payments? With the introduction of Comprehensive Credit Reporting (or CCR for short) it is more important than ever to make your repayments on time. CCR was introduced in July 2018 and is a system whereby lenders share more of your data with credit bureaus such […]

Despite the Reserve Bank of Australia (RBA) keeping a record low interest rate of 1.5% for the last 25 consecutive months & Westpac recording a $5.4 billion profit last year. Westpac announced that they are increasing their variable interest rates by 0.14% p.a. On a $500k loan this is going to increase your repayment by approx. $700 p.a. This is

We usually try to avoid looking into our spending habits (it’s not a pretty picture) BUT if you’re getting serious about purchasing your first home it’s probably time to take stock. Australia’s median house price is $809,200 and in an ideal world, before getting a mortgage, you would at least have a 10 % deposit

Where can I buy a solid property investment for under $500k? Continuing on from our last blog post, we established that there are still some great benefits to buying well in the current market. Being open to markets outside of Sydney can mean the difference between keeping up momentum with your wealth creation plans, or,

What do the pro’s look for in a high-performing investment property? Following our Viva BrisVegas blog we’re breaking down the business of Property Investing into 10 bitsized chunks. Selecting the best investment property is going to depend a lot on your budget, individual circumstances, and overall strategy. However, there are some key fundamentals that many

Although it’s hard to predict how long it will take to get your home loan approved (because each application is unique and every bank has different requirements), the most common reasons for delay are lack of preparation/disclosure of information by the client and a lender’s turnaround time to assessment. Despite this a good Finance Broker

This week we’re sharing our easy guide to Offset Accounts to demonstrate how you can utilise them to potentially save you thousands and shave years from your mortgage. Our guide will tell you the basics but should you want more information don’t hesitate to contact us via our online form or on 02 8412 0009. The

It seems like a no brainer, right? You are buying a home, so you’ll pay off your credit cards to reduce your debt, but keep them active so you can buy some furniture or deal with emergencies even when you have a mortgage to pay. Wrong.   It’s obvious that a lender will consider your

The tiny house movement originated in the United States but has taken off across the globe in recent years and promotes the positives of down-sizing into small sustainable houses. The small house movement is a return to houses of less than 1,000 square feet (93 m2) and they usually generate their own power and can

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 a wide range of business finance options, from commercial property loans, commercial vehicle leases, and commercial and equipment leases, to simpler options such as letters