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, [...]
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.
Off-the-plan apartments are often pitched heavily at investors due to the tax* benefits that come with depreciation on new properties and rental guarantees. Tax savings will depend on your individual [...]
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 [...]
Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.
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 [...]
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 [...]
The cost of advice depends on the complexity of your situation and the type of advice provided. All fees and any commissions (where applicable) will be clearly disclosed so you [...]
Financial planning is the process of understanding your current financial position and creating a strategy to help you achieve your short-, medium- and long-term goals. It can cover areas such [...]
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 [...]
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. [...]
Your Notices of Assessment are in your MyGov inbox: for step-by-step instructions on how to find them, visit the Australian Government ATO site.
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, [...]
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 [...]
It’s natural to wonder whether markets are at the “right” level before investing. However, consistently trying to time market highs and lows is difficult — even for experienced investors. A [...]
