5 reasons you may be able to get a lower interest rate
Reserve Bank of Australia (RBA) has chosen to move the cash rate to 4.10%. With the cash rate increasing by 4% since May 2022, many households have felt the pinch…
How to refinance in a declining market
With interest rates rising, it’s important to make sure your mortgage rate is still competitive – which is why so many Australians are refinancing right now. However, home loan refinancing…
More than Two-thirds of Borrowers are Now Using Brokers
Australians turned to mortgage brokers in record numbers during the June 2022 quarter. Research group Comparator found brokers originated 68% of new home loans in the June quarter, compared to…
Key Tips for Buying, Selling and Borrowing in the Current Market
With property prices declining in many parts of the country, and many people’s borrowing capacity falling as well, this is a different market than we’ve seen in many years. So…
Why Your Borrowing Capacity has Fallen and What to do About it
Over the past six months, the average person’s borrowing capacity has fallen by about 25%. That’s because the maximum amount a typical person can borrow falls by about 5% every…
Regional First Home Buyer Guarantee goes live
The federal government’s first home buyer support package for regional Australians has been launched, as of October 1. Here are the key details of the Regional First Home Buyer…
The ins and outs of pre-approvals
Getting pre-approval for your home loan can give you an understanding of your borrowing power and confidence your lender is satisfied with your preliminary application. It means it is time…
Interest Rate Surprise: Some Fixed Loans Getting Reduced Rates
With the focus on rate rises, you might not have noticed that some lenders have reduced rates on fixed-rate loans. Variable rates are likely to continue to rise in…
When is a good time to refinance your home loan?
Many homeowners set up their home loan repayments to automatically be debited from their account – knowing they are slowly chipping away at their debt without needing to put much…
Positive and Negative Gearing: Pros and Cons
If you invest in property, it could be positively or negatively geared. And it has nothing to do with mechanics or engineering. It refers to whether the income you receive…
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