Home Loan Guide

Refinancing can save you money if it is done properly. Check out our guide.

How much can I save by refinancing? Home loans come in all shapes and sizes from basic home loans through to home loans with numerous features. Making sure you have the right home loan and using the features available in it can save you money. Here are just a few things you might want to consider including when to refinance and how mu...

The RBA has left rates unchanged once again. There is pressure is on borrowers with non-existent wage growth. If rates went up it could hurt the momentum of the economy. The consensus seems to be rates will remain on hold for the first half of 2018.

A Royal Commission into the banks and financial sector was announced by Prime Minister Malcolm Turnbull today. That should make for interesting reading.

Tip: In preparation to apply for a home/investment loan lenders require an accurate picture of your living expenses. You need to use actual figures and decide what is essential and what is discretionary. The use of actual figures is important, don't add a buffer or use the highest ever bill you have received.

Rates left on hold again. AMP seems to believe it will 2019 before rates move upwards. Their logic is that wages growth isn't keeping up with increases to the cost of living. So any upward movement will only hurt the economy. Hard to argue!

Interest rates left on hold again this month. With property prices stabilising in sydney and melbourne, low wages growth, high aussie dollar and low inflation, the RBA didn't have reason to hike.

The Reserve Bank has left interest rates on hold again. The expectation is they will remain unchanged for the rest of this year. The property market in Sydney and Melbourne has cooled and they realise families are dealing with high living costs.

The Bank of Mum "n" Dad is estimated to be lending more than AMP. My Daughter is nearly 18 and is asking about how she will get started in her property journey. Deposits require a long amount of hard work, not a bad thing, but as parents we are able to help our kids start much earlier. Have the tough conversation with your kids. Lending to your kids isn't for everyone, but with the right information you might consider it. Message us for a conversation.

‘Bank of mum and dad’ outperforming conventional lenders The ‘bank’ has granted more than $16bn worth of loans

First Home Buyers are starting to use the stock market as a way of building their deposit more quickly. Everything has risks and if you are prepared for them it may help.
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‘It is becoming more and more difficult to save for a house’ A GROWING number of young Australians are stashing their cash in the stock market in a bid to build wealth and get a foot on the property ladder.