Buying vs. Renting a Home in Australia: Which is Better for You in 2024? image

Buying vs. Renting a Home in Australia: Which is Better for You in 2024?

This is one of the most pressing questions for many Australians today. It’s a significant dilemma that goes beyond just the financials - although this is obviously a huge part. There’s the consideration of where you want to live, your lifestyle, marke...

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Understanding Stamp Duty in Australia: Costs, Calculations, and Exemptions image

Understanding Stamp Duty in Australia: Costs, Calculations, and Exemptions

If you’re looking to buy your first property, you may have heard of the term stamp duty. Stamp duty can add a substantial amount to the cost of buying a property, which is why it is important for potential buyers to consider these costs when budgeting f...

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Understanding Credit Scores and How They Affect Loan Approvals and Interest Rates in Australia image

Understanding Credit Scores and How They Affect Loan Approvals and Interest Rates in Australia

Credit scores can feel like a random mystical number, often inducing anxiety, especially if don’t know how it’s calculated or what it really means. Understanding the mechanics of credit scores and their profound impact on loan approvals is essential f...

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The Benefits of Using a Mortgage Broker vs. Going Direct to a Bank image

The Benefits of Using a Mortgage Broker vs. Going Direct to a Bank

In the journey towards homeownership, one of the most critical decisions you'll face is how to secure your mortgage: should you go directly to a bank, or enlist the expertise of a mortgage broker? This choice can significantly influence not only the deals...

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How to Use Home Equity to Finance Home Improvements or Investments image

How to Use Home Equity to Finance Home Improvements or Investments

So you’ve had your house for a few years now, and you might be considering it time for some renovations, or even to expand your property portfolio with an investment. You also may have heard that you can actually do this using the equity in your home, r...

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The Role of Guarantors in Loan Applications: An IDEAL guide image

The Role of Guarantors in Loan Applications: An IDEAL guide

If you’re venturing into buying your first home amidst rising living costs and fluctuating market conditions, having someone as a guarantor on your application could be the little boost you need to secure your first property. Especially if your deposit ...

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Refinancing: When and Why It Makes Sense image

Refinancing: When and Why It Makes Sense

Refinancing, in simple terms, is the process of replacing an existing loan with a new one, typically with different terms and interest rates (usually lower). This is a common financial strategy used by homeowners and investors alike, to secure a better de...

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So you’re ready for a tree change? Here’s what you need to know about lifestyle loans for rural property.  image

So you’re ready for a tree change? Here’s what you need to know about lifestyle loans for rural property. 

You're dreaming of moving to the countryside, where you can have a few acres to yourself, maybe keep some animals, have a big vegetable garden, or just enjoy the open space and fresh air with the family. A lifestyle loan is a type of financing designed to help make t...

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How much deposit should I have to buy a house? image

How much deposit should I have to buy a house?

One of the most pressing questions for Aussies embarking on the journey of homeownership is, "How much deposit do I need to save to buy a house?" The answer isn't just a number; it's influenced by several factors, including the price of the property, your financial c...

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Commercial Loans for Small Businesses: What You Need to Know image

Commercial Loans for Small Businesses: What You Need to Know

In the dynamic business landscape of Australia, small businesses play an essential role in the economy, often referred to as the backbone of the nation. Whether you are starting a new venture or looking to expand your existing small business, securing a commercial lo...

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Interest-Only Loans: What they are and when to consider one. image

Interest-Only Loans: What they are and when to consider one.

Interest-only loans can sound like (and be) a great option for some homebuyers. But are they right for everyone? It all comes down to what your bigger picture is. This post aims to provide insights into the pros and cons of interest-only loans. ...

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The IDEAL guide to becoming an excellent finance broker image

The IDEAL guide to becoming an excellent finance broker

Are you on the brink of starting a career in finance broking and feeling overwhelmed by the plethora of information and advice available? How do you build a client base? Should you pay for marketing leads? We’d like to offer up some words of wisdom from our head Finance Broke...

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Self-Employed? How to Prepare for Your Home Loan Application image

Self-Employed? How to Prepare for Your Home Loan Application

It’s a pretty widely supported notion that small business is the backbone of Australia. It’s estimated that over 2.3 million Australians are self-employed or operating as owner-manager of unincorporated enterprises. The path of self-employment offers a wealth of op...

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Fixed Rate vs Variable Rate Home Loans: Understanding the Differences and Making the Right Choice image

Fixed Rate vs Variable Rate Home Loans: Understanding the Differences and Making the Right Choice

The decision to buy a home is a significant one, and selecting the right kind of home loan can feel like an overwhelming task. The two most common types of home loans you'll come across are fixed-rate and variable-rate loans. Each has its benefits and drawbacks, and understandin...

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First Home Buyers: How to Maximise the Benefits of the Home Guarantee Scheme image

First Home Buyers: How to Maximise the Benefits of the Home Guarantee Scheme

Becoming a homeowner is a significant milestone, but now more than ever the path to buying your first home can feel intimidating. There are options, however, to help get you there. There are numerous options offered by both state and federal governments, but it can be confusing ...

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