Other FAQs
The timeframe for the financial advice process can vary depending on the complexity of your situation and the type of advice you require. In many cases, the process can take [...]
Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll [...]
No, if your financial situation changes after you have received pre-approval, your situation will need to be reassessed. This could be because you have changed jobs, had changes to your [...]
The general appeal of a fixed rate is the rate of interest paid on a loan doesn’t change for a set period. That means when the lender puts its interest [...]
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 [...]
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 [...]
For most lenders a pre-approval is valid for 90 days, but it can often be extended by resupplying your income and expense information to your lender.
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.
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 [...]
This is one of the reasons some people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt [...]
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 [...]
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 [...]
Everyone is in a different financial situation. How much we can borrow will vary, because lenders will assess our borrowing power according to our income, expenses, and financial commitments. To [...]
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 [...]
SMSF commercial property loans may attract different interest rates and fees compared to standard residential lending. This is because SMSF lending involves specialised structures, additional compliance requirements, and a smaller [...]
