Regional property is becoming one of the most realistic ways for first home buyers to enter the market in 2025. If you have been searching for your first home, you will know how challenging it is to find something affordable in the inner suburbs of Australia’s major cities. Prices continue...
Interest Rate Cuts and Affordability Here’s What You Need To Know
Interest rate cuts are giving first home buyers a new opportunity to enter the property market in 2025. If you have been watching prices rise in capital cities, it may feel like buying your first home is out of reach. Lower interest rates are helping many buyers borrow more and...
Buying a Home with One Income
If you are relying on a single income and wondering whether buying a home is even realistic, you are not alone. We often work with clients in exactly this position: single parents, recent graduates, newly separated individuals, all determined to get a foot on the property ladder. The good news?...
Upgrading or Investing? What to Consider Before Using Equity
When the equity in a first home starts to build, it is common to face a major decision: is it better to upgrade to a more desirable home, or invest in a second property? Both choices have clear benefits, but each comes with different financial implications and long-term impacts. For...
Stop Renting and Get into the Housing Market
Is renting becoming impossible? Now might be the right time to buy your first home. Across the country, tenants are facing bidding wars, lengthy queues at inspections, and skyrocketing rents. While renting has traditionally been a stepping stone toward home ownership, for many Aussies, it now feels like a never-ending...
What the Latest RBA Rate Cut Really Means for First Home Buyers
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...
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....
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...