You’ve been saving. Watching the market. Getting your hopes up… and then comes the announcement: The Reserve Bank of Australia (RBA) has cut the official cash rate to 3.85%. If you're a first home buyer, your first thought might be: “Great — does this mean I can finally buy?” But...
“How Much Can I Borrow?” vs “How Much Should I Borrow?”
As a first home buyer, one of the first questions you’ll likely ask is: “How much can I borrow?” But a better question to start with is: “How much should I borrow?” What you can borrow Banks assess your borrowing power based on your income, expenses, debts, dependants, and credit...
Crucial step first home buyers can often overlook
As a first home buyer, you’ve saved a deposit. You’ve been trawling realestate.com.au. You’re emotionally prepared to bid… But there’s one crucial step that many first-time buyers skip—and it can make the difference between buying smart or getting stuck. Let’s break it down. The most overlooked step: Get a pre-approval...
Your Home Loan Super Team: The Key Professionals You Need
Buying a home is one of the biggest financial decisions you'll ever make. It’s an exciting journey, but it can also feel overwhelming without the right team supporting you. From securing a mortgage to signing contracts and navigating legal requirements, working with the right professionals can make the process smoother...
Securing a Home Loan Without a Traditional 9-to-5
For many Australians, homeownership is a major financial goal. But if you're self-employed, a freelancer, or working in the gig economy, securing a home loan without a traditional job can feel like an uphill battle. Without the stability of a full-time salary, traditional lenders may view you as a higher-risk...
Your Guide To Borrowing Power
Buying your first home is an exciting milestone, but let’s be real—it can also feel a little overwhelming. With so much information out there, it’s easy to get lost in the jargon. One of the most important things to understand before diving into the property market is your borrowing power—a...
Your Settlement Day Survival Guide
Settlement day marks the final step in your property journey—the day the property officially becomes yours! While it’s an exciting milestone, it can also feel a little daunting if you’re not sure what to expect. That’s why we’ve put together this survival guide to help you prepare and ensure everything...
The Hidden Costs First Home Buyers Should Know
Buying your first home is one of life’s most exciting milestones. It’s a moment filled with anticipation as you imagine decorating your space, hosting dinner parties, or just having a place to truly call your own. But before you dive in, it’s essential to prepare for more than just the...
A 2% Deposit Can Make Homeownership a Reality
Buying your first home has always been a milestone achievement, but in today’s market, it feels more like an uphill battle. The dream of homeownership is becoming increasingly difficult to achieve, especially with rising property prices and the need for a substantial deposit. While previous generations dealt with higher interest...
Frequently Asked Questions for Mortgage Broker
Curious about why you might need a mortgage broker and how we can assist you? Whether you’re a first-time buyer or a seasoned mortgage holder, understanding the value of a mortgage broker is key. So, we’ve gathered answers to common FAQs about our services to show how we can help...