- You can spend less time saving for a deposit or even not need one at all, so you can get on the property ladder sooner
- You can borrow up to 100% of the property’s purchase price plus applicable fees without having to pay Lenders’ Mortgage Insurance (LMI) – which you would normally have to factor into your budget if you were borrowing more than 80% of the property’s purchase price.
Other FAQs
Diversification means spreading investments across different asset types, industries and geographic regions rather than relying heavily on one area. The purpose of diversification is to reduce the impact of any [...]
Usually you are unable to access an offset account with a fixed home loan; however, there are a couple of lenders we have access to that do offer this feature.
We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.
One of the biggest advantages of buying off the plan is time. Unlike traditional property purchases with relatively short windows to round up the total finance, you will have at [...]
Yes. A home loan is just one part of your overall financial picture. Financial planning helps ensure your property decisions align with your broader goals, including wealth creation, retirement, risk [...]
Each time you apply for pre-approval this is treated like any other application for credit and will be added to your credit history, regardless of whether you are approved or [...]
That’s completely fine. Many clients begin with a borrowing capacity conversation to understand their position before actively searching for a property. An initial discussion can provide clarity and direction, even [...]
During the school term, you’re busy planning classes and marking homework, so you typically don’t have time to search for a property, speak to a real estate agent or start [...]
In most cases, we are paid a commission by the lender once your loan settles. This commission is built into the lender’s product pricing and does not increase your interest [...]
Vehicle and asset finance allows you to purchase a car, equipment or other assets while spreading the cost over time. The lender provides the funds upfront, and you repay the [...]
Superannuation is generally preserved until you reach your preservation age and meet a condition of release, such as retirement. There are limited circumstances where early access may be permitted, including [...]
A Limited Recourse Borrowing Arrangement (LRBA) is a specialised borrowing structure used by eligible SMSFs to acquire certain assets, including qualifying commercial property. Under an LRBA, the lender's security is [...]
Yes, many lenders offer finance solutions specifically for businesses, including sole traders, partnerships and companies. The structure of the loan will depend on factors such as your business financials, trading [...]
Salary sacrificing can be an effective way to build retirement savings tax-efficiently, particularly for higher income earners. Concessional contributions are generally taxed at a lower rate than many personal marginal [...]
If you’re self-employed and want to apply for a home loan, you will need to provide evidence of your business’ financial position. In addition to the regular personal financial information [...]
