Other FAQs
Your super investment option should reflect your time horizon, risk tolerance and overall financial strategy. Many people remain in default or “balanced” options for years without review. While these may [...]
Working as a casual teacher is simply the nature of starting your career as a new teacher. Some teachers also work casual indefinitely as it suits their lifestyles. We have [...]
If you dream of a new home but have nightmares at the thought of building one, an off-the-plan purchase may be the perfect compromise. Although you will not get to [...]
Yes. Insurance can be held either inside or outside superannuation, and sometimes a combination of both is appropriate. Holding cover outside super may: Provide greater flexibility in certain claim situations [...]
Make sure you purchase from a reputable builder and take the time to research their previous projects. Do they use quality contractors? Do they deliver projects on time? Make a [...]
Yes. Self-employed borrowers often require more detailed income assessment, and lender policies can vary significantly in this area. We help identify lenders whose criteria align with your business structure and [...]
Go to our Repayment Calculator for an estimate. Because there are so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, and we’ll [...]
In many cases, yes — however, early repayment conditions can vary between lenders and loan types. It’s important to understand any fees or break costs before finalising the structure.
Not always. Some finance options allow you to borrow the full purchase price, while others may require a deposit depending on the lender, asset type and your financial position.
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 [...]
Banks can only offer their own products and policies. A broker provides access to multiple lenders, helping you compare options and structure a loan that aligns with your goals and [...]
SMSF lenders assess applications differently to standard home loans. Borrowing capacity is typically influenced by: Existing super balance Ongoing super contributions Rental income projections Fund expenses and liabilities Property type [...]
We take care to structure applications thoughtfully. Before submitting any formal application, we assess your borrowing capacity and identify lenders whose criteria align with your situation. This helps avoid unnecessary [...]
In most cases, no. Lenders generally offer the same interest rates whether you apply directly or through a broker. Our role is to help you compare options, negotiate where appropriate, [...]
Employer sick leave may provide short-term support, but it is typically limited in duration. Income protection insurance is designed to provide longer-term income replacement if illness or injury prevents you [...]
