Gen Z faces several significant challenges in achieving homeownership: Affordability Crisis High property prices: Housing affordability is at its worst level in 30 years, with record-high house prices making it increasingly difficult for Gen Z to enter the market Deposit hurdle: The size of the initial deposit needed to secure a home loan is a… [ Learn More ]
There are costs associated with buying a property that requires discipline, vigilance, and careful planning. In this article we discuss common first buyer money-traps and how to avoid them. Understand your budget Your first home purchase requires a little introspection. Look at your finances, have a clear understanding of your personal budget, and understand exactly… [ Learn More ]
First Home Buyers' Boost in NSW In 2024, first home buyers in New South Wales have a significant advantage with no stamp duty for properties up to $800,000 in urban areas. Let's break down the income and deposit requirements for this scenario: Single Buyer Income needed: $145,000 No deposit required with family guarantee security Couple… [ Learn More ]
Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home. Most of us have special memories of pocketing a few treats from Granny and Gramps. But it turns out those small gestures of affection we knew as… [ Learn More ]
Don't Wait – a Mortgage Broker is able to offer lending options for those with a small deposit. No Deposit Shared Equity loans are coming - currently there are 2.2% deposit loans for First Home Owners - 110% loans via Family Guarantee or SMSF - 99% loans needing 5% deposit - No Stamp Duty and… [ Learn More ]
First home buyers turn to Bank of Nan and Pop Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home. Most of us have special memories of pocketing a few treats from Granny and Gramps. But it… [ Learn More ]
Buying a property is a significant milestone, and when it comes to strata properties, there are unique factors to consider. Whether you're a first-time homebuyer or a seasoned investor, understanding the ins and outs of strata living is crucial. Here's a comprehensive guide to everything you need to know before purchasing a strata property. What… [ Learn More ]
If you're wondering about your borrowing limits, we're here to help. As mortgage brokers, we delve into several key factors to give you a personalised assessment. Check out What is the maximum amount I can borrow? Your Guide to Borrowing Smart When advising a prospective borrower on the maximum amount they can borrow, as a… [ Learn More ]
Nobody likes missing out on a good thing. But then again, who likes overpaying? So how do you strike the right balance when both fears can work against one another? The property market rarely stands still. Interest rate movements, the number of homes listed for sale, and even the time of year can all drive… [ Learn More ]
Navigating the Decision to Engage a Buyer's Agent: Key Considerations Before deciding whether to collaborate with a buyer's agent, it's crucial to evaluate your real estate journey with these questions: Are you seeking access to a broader selection of properties? Have concerns about the accuracy of price guides? Would you commit to purchasing if your… [ Learn More ]
Happy days! The Reserve Bank kept rates steady in February. But a shake-up in the number of times our central bank meets each year is raising questions about how long the rate pause will last. Here’s what we could expect. It seems fitting that in a month known for Valentine’s Day, the Reserve Bank of… [ Learn More ]
First-Time Home Buyers Rebound in the Australian Market: Overcoming Challenges and Embracing Opportunities in 2024 In a remarkable display of resilience, Australia's first-time home buyers are boldly navigating the challenging landscape of recent rate hikes and escalating property values. Their determination to achieve homeownership is evident in the latest lending data, which reveals a significant… [ Learn More ]
Understanding Interest Rates: The Impact of Your Deposit Size and LVR It's a well-known fact: a larger deposit typically means a smaller mortgage and lower monthly payments. But there's another key benefit often overlooked – the potential to secure a lower interest rate. Many people ask us, "How can I get a lower interest rate?"… [ Learn More ]
Know anyone who wants to buy their first home? A new report confirms that low deposit schemes are getting younger buyers into a place of their own sooner. First home buyers are ignoring headlines warning that it can take years to save a deposit. Instead, they’re flocking to guarantee schemes that allow them to get… [ Learn More ]
Embarking on the Journey of Your First Home or Investment Property Purchase Embarking on the journey to buy your first home or investment property is thrilling. Holding the keys to a place that's truly yours is incomparable. As a first-time property buyer, understanding the home loan process is crucial. Here's a step-by-step guide: Understanding Borrowing… [ Learn More ]
No matter whether you’re in the market for a home or an investment property, it makes financial sense to buy in an area where values are tipped to rise. But where to look? Today we’ll unveil the Australian cities where population growth is tipped to turbo-charge the property market. One of the biggest drivers of… [ Learn More ]
High income - low deposit - 2.2% home loan. It has always been hard to save the deposit to buy a home. Why? Because of amount of money that is required for a housing deposit in Australia these days - 5% to 20%. You are not alone. Millions of Australians with good, steady careers and… [ Learn More ]
The idea of rentvesting has been used by highly dedicated and committed wealth creating property investors for decades. However, it remains a lesser-known approach to building an asset base. It deviates from the traditional ‘buy a home, pay it down and then buy an investment property’ approach, but it may well be the ideal path… [ Learn More ]
Apartments stand out as an affordable choice when it comes to cracking the property market, not to mention downsizing. But a looming shortage may soon push unit values higher. For many of us, buying a house on its own block of land is the ‘great Australian dream’. While plenty of people achieve this goal, our… [ Learn More ]
The CoreLogic Women & Property report has revealed a significant increase in the number of women buying property on their own. According to the report, 26.8% of Australian property is now solely owned by women, up from 26.2% in the previous year. Although the number of properties owned solely by men remains higher at 29.9%,… [ Learn More ]
When buying a home in New South Wales (NSW), there are several additional costs to consider beyond the mortgage and stamp duty. These costs can vary depending on the specific circumstances of the purchase and the property itself. Here are some common additional costs to be aware of: Legal Fees: You'll likely need to hire… [ Learn More ]
Positive Changes in Home Deposit Saving Times for First-Time Buyers The recent Domain First Home Buyer Report has delivered some welcome news for first-time home buyers, who are now able to reach their 20% deposit saving goal more quickly. According to the report, first-time home buyers between 25 and 34 are saving for their deposits… [ Learn More ]
The availability of rental properties has been decreasing, which has left many people feeling uncertain about their housing situation. However, there are government schemes available that can make homeownership a reality for many. One such scheme is offered by the federal government through the National Housing Finance and Investment Corporation (NHFIC). This scheme offers low-deposit… [ Learn More ]
Terms and Conditions
To refer a friend for a home loan and qualify for any reward, your family member or friend must (i) not already be an existing or previous client; (ii) be an Australian resident; and (iii) be over 18 years of age (iv) mortgage settled must be on or above $400 000. You cannot refer yourself.
We reservs the right to vary, supplement or discontinue any referral promotion and these Terms and Conditions at any time without prior notice. If withdrawn, we will honour all referrals entered before the promotion is withdrawn, provided that the loan is approved and funded. Referral Promotions are not applicable in conjunction with any other promotional offer, unless expressly indicated. Terms, conditions, fees and charges apply.
Self-Managed Super Finance Review [ Blog ]
Frequently Asked Questions [ Blog ]
Home Loan and Investment Product Review [ Blog ]
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