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...
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“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...
Your Essential Business Loan Checklist
Applying for a business loan can feel overwhelming, especially if it’s your first time. But it doesn’t have to be complicated — with the right preparation, you can speed up the process and boost your chances of approval. Here’s a practical checklist of what you need to have ready before...
Home renovation on a tight budget
Ever scrolled past a stunning home renovation on Instagram and wondered, "How are they affording that?" You're not alone. With cost-of-living pressures hitting hard across Australia, it can feel impossible to find the extra cash for anything beyond the basics – let alone a full-blown kitchen upgrade or bathroom overhaul....
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...
Funding Business Growth Without the Stress
How to Scale Your Business with the Right Finance Growth is exciting—but it also comes with one big question: how do you fund it without putting unnecessary strain on your business? Whether you’re hiring staff, increasing inventory, investing in marketing, or expanding into new markets, scaling requires capital. Fortunately, there...
Should You Use a Business Loan to Pay Off Debts
Managing business finances can be challenging, and if you're juggling multiple debts, you may be considering a business loan to consolidate or refinance what you owe. While this strategy can be beneficial, it’s important to weigh the pros and cons to determine if it’s the right move for your business....
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...
When Is the Right Time to Apply for a Business Loan?
Thinking about applying for a business loan? It’s a big step, but don’t worry—you don’t have to figure it all out on your own. Timing is everything, and knowing when to take the plunge can set you up for success. Whether you’re looking to grow, upgrade your equipment, or manage...