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If you're new to the world of property ownership, you might be wondering what role a conveyancer plays in the buying and selling process. While it may seem like a straightforward transaction, transferring property ownership is a highly complex legal and financial procedure requiring meticulous attention to detail. This article provides an extensive examination of… [ Learn More ]
This article is playful look at the origin, etymology, purpose, and psychology, of 'repayments'. The article is intended to be a humorous and poetic dig at the word that has become central to our discussions, and as a historical reference to deepen our understanding. Of course, one of the underlying primary goals we work towards… [ Learn More ]
This article is playful look at the origin, etymology, purpose, and psychology, of the PVR or Loan-to-Value ratio. The article is intended to be a humorous and poetic dig at the word that has become central to our discussions, and as a historical reference to deepen our understanding. Of course, one of the underlying primary… [ Learn More ]
This article is playful look at the origin, etymology, and psychology, or the word 'Interest'. It is intended to be a humorous dig at the word that has become central to our discussions, and as a historical reference to deepen our understanding. Of course, one of the underlying primary goals we work towards on a… [ Learn More ]
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<< Feb 2025 - Prepare for Rate Cuts - Advanced Finance Strategies.pdf >> Exciting news on the horizon - a rate cut might be coming our way in February! How are your repayments faring? Don't let the benefits slip away. There's still time to pivot and tackle potential interest rate cuts in 2025 head-on with… [ Learn More ]
Attention NSW drivers! Want to clear your driving record without breaking a sweat? Transport for NSW is giving responsible drivers a sweet bonus. If you've kept a clean driving record from 17 January 2023 to 17 January 2024, you could have one demerit point magically wiped away .Quick Details: Applies to unrestricted license holders Check your… [ Learn More ]
The purpose of a mortgage broker business is to act as an intermediary between borrowers and lenders in the process of obtaining a mortgage loan. Mortgage brokers are licensed professionals who help borrowers find the best mortgage loan options from a variety of lenders, including banks, credit unions, and private lenders. Mortgage brokers have access… [ Learn More ]
Are you considering property investing as a way to grow your wealth and create financial security? If so, read on... Investing in property can be a lucrative opportunity, but it's crucial to be aware of the potential pitfalls that can result in costly losses. To help you avoid these mistakes, I've put together five essential… [ Learn More ]
Three financial New Year's resolutions to tackle 2025 head-on: Schedule a home loan health check Don't let your mortgage cost you more than necessary. With average borrowers paying nearly $6,000 extra in interest for not refinancing in the past year, it's crucial to review your home loan7. Contact a mortgage broker to assess if your… [ Learn More ]
Inheritances can be a bittersweet part of life. But an inheritance alone won’t always cut it when applying for a home loan. Having genuine savings can help show lenders you’ve got what it takes to meet mortgage repayments. With many older Australians having accumulated a decent amount of wealth throughout their years, it’s not uncommon… [ Learn More ]
As we bid farewell to 2024 and welcome 2025, we extend our warmest gratitude to our valued clients for your unwavering trust and support throughout the past year. 2024 presented its share of challenges, with elusive rate cuts and persistent inflation making it a tougher year than many anticipated. Despite these hurdles, your resilience has… [ Learn More ]
We’ve seen interest rates bounce back up over the past three months, and most economists are predicting more increases to come. If you’re starting to worry about your finances, rest assured there are several steps you can take now to get on the front foot. The days of ultra-low interest rates are officially over (it… [ Learn More ]
Lenders Mortgage Insurance (LMI) and Loan Protection Insurance (LPI) are two totally different things. Full glossary is available here LMI is something your lender will generally require you to pay if you take out a mortgage with less than a 20% deposit. LPI is something you can optionally purchase to protect you in case you… [ Learn More ]
Finance options for renovations As homeowners, we all want to add value to our property, and possibly the best way to do that, is through renovation. Whilst the idea of renovating is simple enough, the reality is that improvements to the home cost money. The good news is that there are plenty of choices available… [ Learn More ]
Equity is the difference between the current market value of your property and the remaining balance on your home loan. If you’ve had your property for a few years, the chances are you may have built up equity that you could use in a range of ways. Working out your home equity is pretty simple.… [ Learn More ]
When applying for a home loan, it’s crucial to gather all the necessary documents to streamline the application process. Lenders require specific documentation to assess your financial position, verify your identity, and evaluate your eligibility for a mortgage. This detailed home loan application document checklist will help you prepare all the required paperwork, ensuring a… [ Learn More ]
► Gaining access to an experienced mortgage broker is an invaluable resource when looking for finance. The broker will assess your financial situation and has access to a much wider range of loans (35+). Fundamentally, a good broker will be able to advise you on the pros and cons of various loans. They will advise… [ 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 ]
The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. But is it a good idea? And can a weekender still stack up financially? We explain what to consider plus tips to fund a vacation property. It’s that time… [ Learn More ]
Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy sooner rather than later if you’re home loan-ready. September saw the nation’s official cash rate kept on hold once again. But there is growing consensus that the… [ Learn More ]
The luxury property market in Australia is experiencing a significant shift, with traditional strongholds maintaining their positions while new contenders emerge in unexpected locations. Top-End Market Dynamics Sydney and Melbourne's high-end property markets are showing signs of softening, while more affordable areas remain relatively stable. Despite this trend, the prices commanded by luxury properties continue… [ Learn More ]
There are few better ways to beat the summer heat than floating in your very own pool. With a range of price points to choose from, a pool can be affordable, but will it add value to your property? And how will you pay for your backyard oasis? Fun fact: more than 3.1 million Aussies… [ Learn More ]
You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan can be a handy finance solution. However, it can work a bit differently from a regular home loan. Here’s what you need to know. Not everyone wants to buy an established home or even a… [ Learn More ]
Dominate Your Mortgage with Smart Tech and Savvy Brokers As a consumer, if you want to get a better interest % rate or access your equity, you need to find the loan products across the many lenders that are available to you. But many consumers simply don’t have the time to do all that legwork… [ Learn More ]
Consumer Data Right (CDR) CDR has a clear vision of giving the consumer more control over their banking data, to achieve greater choice, convenience and confidence in their selection of financial products and services. The consumer’s data that is shared, and therefore it is the consumer who should benefit. Open Banking Since going live in… [ Learn More ]
As the financial landscape in Australia evolves, more borrowers are turning to non-bank lenders for their financial needs. Non-bank lenders offer a range of services and benefits that differ from traditional banks, making them an attractive option for many Australians. However, with this growing interest comes a host of questions. Here, we address some of… [ Learn More ]
Having obtained my credit license I wanted to feedback how this might benefits borrowers I work with ... Obtaining an Australian Credit Licence (ACL) is a significant step for financial professionals and can have numerous benefits for borrowers. Here's how having your own ACL can positively impact the borrowers you serve: Enhanced Trust and Credibility… [ Learn More ]
The Long-Term Value of Australian Property Australian property has proven to be a lucrative long-term investment, with many homeowners experiencing significant increases in their property's value over time. This trend has been consistent for decades, making real estate a reliable wealth-building strategy for many Australians. Historical Property Value Growth Australian residential property values have risen… [ Learn More ]
Leveraging Home Equity for Investment Property Investing in rental properties has become an increasingly popular wealth-building strategy among Australians. Recent data shows that 21% of Australians aspire to own investment properties, with this percentage rising to 27% for Gen Z and 23% for Gen Y. The appeal is evident, as rents have surged 39.7% over… [ Learn More ]
The sun is out – and so are the buyers! Spring is traditionally a peak period for property, and there’s a good reason why spring 2024 is shaping up to be a bumper season. Here’s how to prepare if you’re planning to buy in the weeks ahead. At last! It’s time to pack away the… [ Learn More ]
Friday the 13th is a day steeped in superstition and folklore, widely regarded as unlucky in many Western cultures. The origins of this belief are complex, intertwining historical events, religious narratives, and cultural practices. Historical Origins The superstition surrounding Friday the 13th has several theories regarding its inception: The Last Supper: One of the most… [ Learn More ]
The suffragette movement stands as one of the most pivotal and transformative chapters in the fight for women's rights and democratic equality. In the late 19th and early 20th centuries, a group of determined women in the United Kingdom, known as the suffragettes, embarked on a relentless campaign to secure the right to vote. Their… [ Learn More ]
With local election on Saturday, I thought it would be good to look back at how we all came to vote, based on our English heritage. Electoral system of Australia Distinctive Features : Compulsory enrolment and voting; Majority-preferential instant-runoff voting for lower house; Single transferable vote proportional representation for upper house Election Timing : Approximately… [ Learn More ]
R U OK? is an Australian non-profit suicide prevention organisation that was founded in 2009 by Gavin Larkin. Here's a brief history of the organisation: Origins The idea for R U OK? stemmed from Gavin Larkin's personal experience with suicide. In 1995, Larkin's father Barry died by suicide, leaving his family devastated. About a decade… [ Learn More ]
Powering Up Safely: Understanding Lithium Battery Risks and Insurance Needs Thanks for referral partner Protego Risk Group for this article - when you want to review your business insurance needs, contact Shaun - shaun@protegoriskgroup.com.au. Lithium batteries are everywhere these days, powering our laptops, phones, tablets, and even some household appliances. While incredibly convenient, it's important… [ Learn More ]
Kiwis hoping to buy a first home in Australia have just scored gold! The popular Aussie low-deposit home buying scheme has been opened up to visa holders from across the Tasman. Here’s what you need to know. Sure, the Kiwis have the All Blacks, the glaciers and landscapes fit for a Hobbit. But Australia offers… [ Learn More ]
The history of magnetic stripe cards dates back to the early 1960s, with significant developments occurring in the following decades: Early Development IBM engineer Forrest Parry invented the magnetic stripe card in the 1960s. The technology was initially developed to create more secure identity cards for CIA officials. Parry's breakthrough came when his wife suggested… [ Learn More ]
Mastercard's recent announcement to phase out magnetic stripes on its credit and debit cards marks a significant milestone in the evolution of payment technology. This transition, set to begin in 2024 and conclude by 2033, reflects the growing dominance of more secure and convenient payment methods. The End of an Era The magnetic stripe, introduced… [ Learn More ]
The long-term growth in Australian property values has been remarkable, with many homeowners seeing their property's worth multiply several times over during a typical 30-year mortgage period. Historical Property Value Growth Australian residential property values have increased by an average of 10.9% annually over the past century. While there can be short-term fluctuations, the overall… [ Learn More ]
Westpac's CEO has made predictions in-front of a parliamentary committee recently about interest rates amid the ongoing cost-of-living challenges faced by Australians. The bank leader anticipates that the Reserve Bank will begin lowering rates in the near future, with expectations that they will settle in the low 3 percent range (for borrowers that means around… [ Learn More ]
The mortgage broking era in Australia began in the early 1990s, marking a significant shift in the country's financial landscape. This period was characterized by intense competition and innovation, ultimately leading to substantial benefits for consumers. The Birth of Mortgage Broking The mortgage broking industry in Australia was ignited by a fierce rivalry between two… [ Learn More ]
Green lending has emerged as a powerful tool in the fight against climate change, offering financial incentives for environmentally sustainable projects. Financial institutions are taking the lead in driving the transition to a low-carbon economy through innovative green lending programs. What is Green Lending? Green lending refers to financial products designed to support environmentally sustainable… [ Learn More ]
Looking to expand your investment portfolio but find most of your wealth tied up in your family home? You might be able to leverage recent property market gains as equity for an investment property. Let's explore this opportunity. Many Australians have financial goals, and investing in rental properties is increasingly popular. According to MLC's Financial… [ Learn More ]
You may not feel richer, but if you’re a homeowner, there’s a decent chance your personal wealth has surged over the past 12 months thanks to soaring property values. And it could open up a world of exciting possibilities. Sometimes you’ve just got to shake your head in disbelief at the resilience of the property… [ Learn More ]
When it comes to buying investment properties, younger Australians are punching above their weight, with Millennials taking the title as the nation’s most active generation for property investment. Investors are continuing to flock to the property market, with the Australian Bureau of Statistics saying the volume of new investor loans in February was 21.5% higher compared… [ Learn More ]
Whether it’s your love life or your home loan application, no one likes getting rejected. There are many reasons why it could happen, and some can come as a big shock. So today we’ve outlined five surprising reasons to help you avoid home loan heartbreak. There are few words would-be home buyers dread more than:… [ Learn More ]
How your borrowing capacity is calculated Applying for a home or investment loan can seem daunting at times. Understanding how your borrowing capacity is calculated will help take the stress out of the process. Capacity to Repay In my daily work, a misconception I often come across is that your borrowing power is based on… [ Learn More ]
What’s more important: your new phone or your next home loan? Well, we were stunned to see a recent survey that showed Australians put more effort into researching phone plans than they did their home loan. Here’s how we can help you get the balance right. More than 70% of Australians say they’re more likely… [ Learn More ]
Lender have similar but different requirements of the information and documents they want to use to determine your borrowing capacity and your lending options. Buy Invest Live Brokers will review your lending needs and aspirations and work out the minimum documents lender need. PS - we collect documents as part of our Cyber Security Policy… [ Learn More ]
In today's digital age, protecting your personal and professional information is more critical than ever. Here are some essential tips to help you stay safe online: Use Unique Passwords: Create unique passwords for every system and login. Consider using a password management system to keep track of them easily. Beware of Suspicious Emails and Texts:… [ Learn More ]
Inheritances can be a bittersweet part of life. But an inheritance alone won’t always cut it when applying for a home loan. Having genuine savings can help show lenders you’ve got what it takes to meet mortgage repayments. With many older Australians having accumulated a decent amount of wealth throughout their years, it’s not uncommon… [ Learn More ]
You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help. Borrowers are more spoilt for… [ Learn More ]
Stay connected with me on LinkedIn, Facebook, and other social media platforms coming soon! Let's continue our conversations, share insights, and explore opportunities together. Whether you're interested in the latest trends in property investment, mortgage strategies, or simply looking to network with like-minded professionals, I'd love to connect with you. Click the links below to… [ Learn More ]
Don't get caught short when you're inspecting a home. Here’s how to handle a conversation with a real estate agent. #Option 1 or Option 2 - Why ... # What's your budget? “My pre-approval is…” "I don’t share my financial information." Why? Revealing your maximum budget lets the selling agent know how high you’re able… [ 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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