Educational Blog

2025 Federal Budget

2025 Federal Budget

The 2025-26 Federal Budget was handed down on Tuesday, 25 March 2025. As expected, there were few surprises with Labor's...
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2024 Broker Conference Recap

2024 Broker Conference Recap

Chiefs on tour! In November 2024, the MJ Financial Chiefs flew up to Gold Coast to attend AFG's Broker Conference...
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Mortgage Brokers – How We Help You

Mortgage Brokers – How We Help You

Mortgage Brokers connect people who are looking to borrow money to purchase property or refinance and existing loan, with a...
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The Vital Connection Between Life and TPD Insurance and Your Mortgage

The Vital Connection Between Life and TPD Insurance and Your Mortgage

Owning a home is a major financial milestone, and your mortgage represents a significant commitment. But have you considered the...
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The RBA Explained

The RBA Explained

We've all been hearing about the 'RBA' in the news, but what is it? and why does it impact how...
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LVR – Impacting Home Loan Interest Rates & Fees

LVR – Impacting Home Loan Interest Rates & Fees

The Loan to Value Ratio (LVR) shows how much a property is being bought with debt (bank loan) compared to...
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$1,114 Increase In Monthly Loan Repayments in 2023 For Fixed-Rate Borrowers

$1,114 Increase In Monthly Loan Repayments in 2023 For Fixed-Rate Borrowers

The RBA is expecting over 800,000 households to experience a massive increase in loan repayments as there fixed-rate mortgages expire...
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The Big Decision – Variable v Fixed Interest Home Loans

The Big Decision – Variable v Fixed Interest Home Loans

When assisting our clients through the process of purchasing a home, a question we often receive is; "Should we fix...
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Introduction To Interest Rates & Ways To Reduce Interest Expenses

Introduction To Interest Rates & Ways To Reduce Interest Expenses

Regarding home loans, interest is basically the cost of money charged to the borrower (homebuyer) in order to compensate the...
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Home Equity – Impacting the Cost and Refinancing of Mortgages

Home Equity – Impacting the Cost and Refinancing of Mortgages

When talking about property, Equity refers to the amount of the property value that is owned by the home-owner. When...
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Extra Mortgage Repayments – Banks Don’t Want Borrowers To Know This!

Extra Mortgage Repayments – Banks Don’t Want Borrowers To Know This!

As borrowers, we should know all the strategies to save as much money as possible over the loan term. If...
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Credit Scores – How Financial Behaviour Impacts Your Borrowing Capacity

Credit Scores – How Financial Behaviour Impacts Your Borrowing Capacity

Credit Scores - They're the hidden numbers that constantly track our credit card behaviour, bank account balances, and loan repayments....
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Mortgage Refinancing – The Saviour of Borrowers in 2022

Mortgage Refinancing – The Saviour of Borrowers in 2022

Refinancing… It's been the hot topic of the housing market as rising interest rates and inflationary pressures push consumer confidence...
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$1,000 Gift Card Referral Competition

$1,000 Gift Card Referral Competition

Every 3 months, the Chiefs will be giving away $1,000 in gift cards to a lucky winner who has referred...
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CONVEYANCERS – THE HIDDEN GEMS OF PROPERTY TRANSFERS

CONVEYANCERS – THE HIDDEN GEMS OF PROPERTY TRANSFERS

The services conveyancers provide is quite broad and spans from pre-purchase all the way through to settlement when the buyer...
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FINANCIAL YEAR 2023 – 40,000 NEW PLACES RELEASED UNDER THE HOME GUARANTEE SCHEME

FINANCIAL YEAR 2023 – 40,000 NEW PLACES RELEASED UNDER THE HOME GUARANTEE SCHEME

The new financial year as of July 1 2023 brings in new opportunities for first home owners to enter the...
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Minimising Interest – Offset and Redraw Facilities

Minimising Interest – Offset and Redraw Facilities

We as homebuyers who have relied upon mortgages to help purchase property are always looking for ways to minimise our...
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Strategies to combat rising interest rates

Strategies to combat rising interest rates

Soaring house prices over 2021 have reduced housing affordability for many homebuyers, especially younger first-home buyers. Saving up a 20%...
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Stamp Duty Exemption

Stamp Duty Exemption

Stamp Duty (Land Transfer Duty) is a tax charged by the state government upon the purchase of property. The amount...
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In’s & Out’s of Lenders Mortgage Insurance

In’s & Out’s of Lenders Mortgage Insurance

Looking to buy around Melbourne or anywhere in Australia? Then this is a must read, learn about Lenders Mortgage Insurance,...
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