Other FAQs
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, [...]
Yes, refinancing may be available for eligible SMSF loans. Common reasons for refinancing include securing a more competitive interest rate, restructuring an existing loan, improving cash flow, or aligning the [...]
Market downturns are a normal part of investing, but they can feel more confronting once you’re drawing income from your portfolio. A well-designed retirement strategy typically includes: An appropriate investment [...]
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 [...]
There is no fixed minimum amount required to begin investing. The right starting point depends on your financial position, cash flow, emergency savings and overall goals. Before investing, it’s generally [...]
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.
In some cases, yes, the lender may ask for a letter of employment to prove your current and future employment status, namely: How long you have been a teacher. Whether [...]
Most lenders offer flexible repayment options to suit your pay cycle. If you aim to make weekly or fortnightly repayments, instead of monthly, you will make more payments in a [...]
Teacher home loans are available even if you’re on probation. However, note that you’ll need to meet all other standard lending criteria and have a clear credit history.
nsurance should generally be reviewed when: You take on new debt Your income increases You start a family Your employment situation changes You approach retirement Even without major life changes, [...]
No. When a fixed rate term ends the borrower has the option to re-fix, but this is for a new fixed term and will likely have a different interest rate. [...]
Various incentives are still being dangled in front of first-home-buyers, which may add to the appeal of buying off the plan. Concessions vary across Australia and some have been curbed [...]
A wide range of assets can be financed, including: Cars, utes and vans Trucks and commercial vehicles Machinery and equipment Office or specialised business equipment If you're unsure whether something [...]
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 [...]
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.
