5-step home loan approval process

Investment in the share market has become high risk. It is in this type of economic climate that the Australian residential property market has historically performed well. With interest rates at an all-time low, if you have been thinking of purchasing a home or investment property, now just might be the perfect time.

lenders interest rates

How do lenders set their rates?

There seems to be a lot of confusion about how lenders set their rates. The cash rate does have an impact but it is not the only factor taken into account.

interest only home loan

When to get an interest-only home loan

Interest-only home loans predominantly benefit property investors and are not recommended for owner-occupiers because they do not allow you to build equity in your property.

couple with laptop looking at reno plans

Renovate or buy a new home?

You’re looking to upgrade to a bigger or more modern home but how do you decide whether it’s worth renovating or buying a new one instead?

wooden house puzzle

What is a pre-approval?

Pre-approval—also known as conditional approval or approval in principle—is one of the best ways to find out how much you can borrow and if your financial situation meets the lenders credit policy before making an offer on a property.

Benefits of budgeting

Budgeting to reach your goals

Are you saving to buy a house, go on holiday or something else? Setting and sticking to a budget can help you reach your goals quicker.

renting vs buying a home

Is it better to rent or buy in 2021?

Interest rates are at an all-time low and changes to lending policy have increased borrowing power. So, would you be better off buying than renting a home in 2020?

calculator and credit cards

Debt consolidation: what are the benefits?

Debt consolidation is the process of rolling a number of smaller debts into a single, larger loan. If you have a home loan, you may be able to refinance to consolidate your debts.

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