RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Home Loan Variable: 5.88% (6.07%*) • Home Loan Fixed: 5.49% (6.26%*) • Fixed: 5.49% (6.26%*) • Variable: 5.88% (6.07%*) • Investment IO: 5.79% (6.67%*) • Investment PI: 5.64% (6.08%*)

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#45 Borrow Smart Series – Debt Consolidation: Simplify Your Finances with a Home Loan

Debt Consolidation Through Your Home Loan: Simplifying Your Finances. In today’s complex financial landscape, many Australians find themselves juggling multiple debts with varying interest rates and repayment schedules. Consolidating these debts into your home loan can be an attractive option to simplify your financial life and potentially save money. However, like any

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First Home Buyer
Kelvin Mason

How To Help Your Child Buy A Property

For many young adults, homeownership feels increasingly out of reach. Rising property prices, stricter lending rules, and saving challenges make the journey overwhelming. As a parent, you want to help, but it’s crucial to do so without risking your own financial wellbeing. Let’s explore strategies to help your kids buy

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#44 Borrow Smart Series – Interest Rate Rises: How They Affect Your Mortgage Repayments

Rising Interest Rates and Your Mortgage: What You Need to Know. In today’s dynamic economic environment, understanding how interest rate changes can affect your mortgage is crucial for effective financial planning. Whether you’re a current homeowner or looking to enter the property market, being aware of how rising interest rates impact your mortgage repayments

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#43 Borrow Smart Series – Capital Gains Tax and Property Investment: What Investors Need to Know

Capital Gains Tax on Investment Properties: What You Need to Know. When it comes to property investment in Australia, understanding Capital Gains Tax (CGT) is crucial for making informed decisions and maximising your returns. CGT applies to the profits made from selling investment properties, and it can significantly impact your

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#42 Borrow Smart Series – Principal and Interest Loans: A Comprehensive Guide

Principal and Interest Loans: The Foundation of Home Financing. When it comes to home loans, principal and interest (P&I) loans are the most common and traditional type of mortgage. These loans offer a straightforward approach to homeownership, providing stability and a clear path to owning your home outright. Let’s delve into the key features

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NDIS/SDA
Kelvin Mason

NDIS Postcode Restrictions and new Lending Guidelines

With the boom of NDIS investment properties being built – there is now oversupply in some area which some funders will no longer accept. They also want the borrowers to be sophisticated investors. Changes that come into effect 01/10/24 due to a consolidation of rules surrounding NDIS 1.New NDIS loan

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#41 Borrow Smart Series – Investing Abroad: How to Secure a Loan for Overseas Property

Navigating the Complexities of Securing a Loan for Overseas Property. Investing in overseas property can be an exciting venture, offering opportunities for diversification and potential financial growth. However, securing a loan for an international real estate purchase involves additional complexities compared to domestic property investments. Understanding these intricacies is crucial

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#40 Borrow Smart Series – Navigating Falling Property Values: What You Need to Know

The Impact of Falling Property Values on Your Investment In the dynamic world of real estate, property values can fluctuate due to various economic factors, market conditions, and local developments. While the long-term trend of property values tends to be upward, there are periods when values may decline. Understanding how

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#39 Borrow Smart Series – Fast-Track Your Mortgage: Tips to Pay Off Your Loan Faster

Strategies to Pay Off Your Home Loan Faster: Save Money and Build Equity. Paying off your home loan faster is a smart financial move that can save you thousands of dollars in interest and help you build equity in your property more quickly. While it may seem daunting, there are several effective strategies you

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Mortgage Broker
Kelvin Mason

Broker Power: The Unsung Hero Behind 9 out of 10 First-Home Purchases

The Crucial Role of Mortgage Brokers for First-Home Buyers Purchasing your first home can be as intimidating as stepping into a gym for the first time. This analogy aptly describes why an overwhelming 91% of first-home buyers seek the expertise of mortgage brokers. Why First-Home Buyers Turn to Mortgage Brokers Navigating Complex

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#38 Borrow Smart Series – How Long Can You Borrow? Understanding Maximum Loan Terms

Understanding Loan Terms: Finding the Right Balance for Your Home Loan. When it comes to home loans, one of the most crucial decisions you’ll make is choosing the loan term. The loan term is the length of time you have to repay your mortgage, and it significantly impacts your monthly repayments and

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Top 100 Questions Borrowers Ask Brokers About Home or Investment Property Loans
Kelvin Mason

#37 Borrow Smart Series – Loan Portability: Moving House Without Changing Loans

Loan Portability: Taking Your Home Loan with You. When you’re considering moving to a new property, the prospect of navigating a new home loan can be daunting. However, many lenders offer a feature called loan portability, which allows you to transfer your existing loan to a new property. This option can provide

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Fixed Interest Only (P&I)
Interest*
5.55%
Comparison*
6.02%
   
5.55%
6.08%
   
5.55%
6.14%
   
5.55%
6.21%
   
Variable Interest Only (P&I)
Interest*
6.18%
Comparison*
6.37%
   
6.18%
6.55%
   
6.19%
6.52%
   
6.24%
6.26%
   
Invest Interest Only
Interest*
5.69%
Comparison*
6.19%
   
5.69%
6.25%
   
5.69%
6.32%
   
5.69%
6.40%
   
Invest Loans
Interest*
5.55%
Comparison*
6.02%
   
5.55%
6.08%
   
5.55%
6.14%
   
5.55%
6.21%