Blog

Your home loan is likely one of the biggest financial commitments you'll ever make. But just because you secured a competitive mortgage when you purchased your property doesn't mean it's still the best option for you today. Interest rates change, property values fluctuate, lenders introduce new prod...

Building a property portfolio doesn't always mean saving another large cash deposit from scratch. If you already own a home or investment property, you may have built up equity that could help you purchase your next property. For many Australian property investors, understanding how to use equity ca...

You have a good income. You have savings. You pay your bills on time. So why is your borrowing capacity lower than you expected? When preparing to buy a home or investment property, many Australians naturally focus on their salary and deposit. But lenders look at much more than how much money you ea...

One of the first questions almost every property buyer asks is: "How much deposit do I actually need?" You've probably heard that you need a 20% deposit to buy property in Australia. While 20% can provide certain advantages, it isn't necessarily the only option. Depending on the lender, type of prop...

Buying your first investment property is a major milestone. But for many investors, the real question comes afterwards: How do I finance property number two? Your second investment property can be very different from your first from a finance perspective. You now have an existing mortgage, rental in...

You speak to one bank and they tell you that you can borrow $550,000. You speak to another lender using seemingly the same income, deposit and financial information, and they indicate you could potentially borrow $700,000. How can there be such a big difference? It's one of the most confusing parts ...

Interest rates are one of the most talked-about topics in Australian property, and for good reason. A change in rates can affect how much buyers can borrow, how much homeowners pay each month, the cash flow of investment properties and even the level of competition in the property market. But intere...

Running your own business can give you flexibility, independence and greater control over your income, but applying for a home loan can sometimes feel more complicated than it does for a salaried employee. The reason isn't necessarily that lenders don't want to lend to self-employed Australians. The...

Applying for a home loan can sometimes feel like handing over your entire financial life and waiting for someone else to decide whether you're ready to buy property. But lenders aren't simply looking at your salary and deciding whether you earn "enough." When assessing a home loan application, lende...

If you already own a home, you may be closer to buying an investment property than you think. As your property increases in value and you pay down your mortgage, you build equity. Depending on your financial circumstances and lender requirements, part of this equity may potentially be accessed to he...