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Mortgage Broking

Could Your Home Deposit Be Helped By Your Super?

Could Your Home Deposit Be Helped By Your Super?

It’s no secret that saving for a house is tough. Raising the money for a deposit can seem to take forever, even if you’re consistent with your savings plan. Want some good news? There’s a new way to save, and it’s called the Government’s new First Home Super Saver Scheme (FHSSS).

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How redraw works and why it’s a handy feature loan feature

How redraw works and why it’s a handy feature loan feature

It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why:

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( Posted in: Lending & Finance )

ANZ Lending Update

ANZ Lending Update

Effective 16 June, ANZ Bank will increase their Variable Interest Only home loan rates for both investors and owner occupiers by 30 basis points. ANZ's Standard Variable Rate for investment lending with Interest Only repayments is now 6.26% p.a..

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( Posted in: Lending & Finance )

Last of the Major 4 Banks to cap interest only loans at 80% LVR

Last of the Major 4 Banks to cap interest only loans at 80% LVR

Westpac Bank announced today the maximum LVR (loan to valuation ratio) for those seeking interest only repayments will be capped at 80%. This applies to both owner occupied and investment lending. They are last of the Major 4 Banks to cap LVRs for ...

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( Posted in: Lending & Finance )

Overcapitalising – what it is and how to avoid it

Overcapitalising – what it is and how to avoid it

As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and why is it considered bad?

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( Posted in: Lending & Finance )

Your guide to investment property loans

Your guide to investment property loans

There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation.

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( Posted in: Lending & Finance )

You’ve won the auction – what happens next?

You’ve won the auction – what happens next?

Congratulations! You’ve just bought a property at auction. Before you can move in, there are some things you need to do. Remember, it’s always recommended to seek legal advice when purchasing a property.

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( Posted in: Lending & Finance )

Understanding which home loan features are right for 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.

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( Posted in: Lending & Finance )