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Articles & Info

Articles and Information for Borrowers

Family Guarantee Home Loans

With house prices being so high many first home buyers are finding it difficult to save the deposit they need. An option that may suit some first home buyers is a family pledge or family guarantee home loan. These loans allow you to utilise a family...

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Mortgage Refinancing

Refinancing is where a client obtains a new mortgage often to reduce monthly payments, lower interest rates, take cash out for large purchases or simply to change mortgage companies. Often people refinance when they have equity in their home, which is the...

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Refinancing Costs

What are the costs of Refinancing? People often think refinancing is difficult and expensive. It doesn’t have to be. Using an experienced Mortgage Professional can simplify the process as they guide you through the transaction and explain any fees or...

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Buying Your First Property

Before you start looking for a home there are several key details to consider such as: What savings do you currently have? Most lenders will want to see that you are able to save consistently and will usually require your last six months saving history...

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Offset vs Redraw

WHAT IS AN OFFSET ACCOUNT? This home loan feature is operated in concurrence with your home loan account. They function the same way as a regular savings or transaction account meaning you have immediate access to your funds and on many you can earn...

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Fixed vs Variable

Whilst there is no way to predict what will happen to the economy and interest rates in the future, what is helpful to understand is the advantages and disadvantages of fixed and variable home loans so you can determine which one may suit you. Advantages...

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The Mortgage Process

Interview During your initial meeting with a Mortgage Professional they will listen to your requirements and will explain the features and benefits of loans that may work with your situation. They will discuss and provide you with numerous options...

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