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5 Tips for Self-Employed Home Buyers: Melbourne Finance Brokers’ Guide

Whether entrepreneurs, freelancers or small business owners, Australia’s self-employed workforce is flourishing. According to a report published by the Australian Bureau of Statistics, 16.6 % of Australians were self-employed in 2021, which is expected to rise in the years ahead. But for all their diverse talents and opportunities, these self-employed workforces face an uphill battle […]

Three things Home buyers should know before raising hand at the Auction

1. Additional cost There are 4 types of extra cost to any purchase: Government: Stamp Duty, Transfer and Mortgage Registration fees. Legal: Conveyancing, council and water rates (calculated pro rata) need to be subtracted from the deposit. Conveyancing is the transfer of ownership/legal title of the property from one person to another. Conveyancer, also known […]

Did you know? Non-bank Lenders May Be a Better Option.

Deciding where to go for your Home Loan is one of the most important decisions you’ll make. While many prospective property owners will choose to use a mainstream lender, non-bank lenders also have their advantages. Non Bank Lender provide extra Home Loan options. What are non-bank lenders? Essentially, a non-bank lender is a lender that’s […]

Home Loan pre-approval. Four simple steps

Ready to buy a property? You’ll need to show the seller you have enough money. For most people, this will mean getting a loan, and the first step to getting one is obtaining pre-approval for it. Pre-approval – also known as conditional approval or approval in principle – is an indication from a lender as […]

How Home Loan Redraw works and why it’s a handy.

It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why: The redraw facility explained A home loan redraw facility lets you make additional repayments to reduce your variable rate home loan balance and save on interest. If you pay more than your minimum scheduled repayments, then […]

Want to help your kids buy property? Here’s how

The real estate market can be tough for young adults, but as a parent you may be able to lend a helping hand. We tell you how. Parent-to-child loan A parent-to-child loan is when a parent lends their child money. This is a formal, legally binding arrangement, administered by an independent third party. At the […]

Applying for a home loan with a baby on the way

A new baby completely changes your life. Are you also prepared for how a new baby might affect your chances of getting a Home Loan to buy a house? Here are some things to consider before you submit your application. When a lender assesses your home loan application, they look at your income, assets, debts […]

Understand Your Borrowing Capacity

The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation and determine your borrowing capacity. Here’s how to do it. Understand your borrowing capacity Generally speaking, your borrowing capacity – what you […]

Understanding Which Home Loan Features Are Right For You

Loans are by no means ‘one size fits all.’ Different loan types suit different age groups, different living situations and even different attitudes to money. A common trap some home-owners fall into is to consider a mortgage ‘set and forget’. You did your research, shopped around, found the right option, comparing different home loans. Now […]

When Would I Refinance My Mortgage?

Whenever it makes financial sense to do so. Heard about mortgage refinancing? In the past, most people who took out a mortgage…

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