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make sharper decisions.
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I’m a first
Home Buyer
Purchasing a property is one of the biggest investments most people make. Uncertainty and tons of tons of information make it even harder.
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Investor
What obstacles do you need to be aware of before making an investment? How to maximise the return on your investment?
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Refinance
Are you getting the best out of your home loan?
Know the best ways to structure and minimise your home loan repayments.
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August 31, 2022
What is a Pre-approval?
4 Min to Read
A Pre-approval is an indication from a lender, that they are prepared to approve a loan, based on your income and personal circumstances. A pre-approval is often conditional, depending on a number of factors, including finding a property that meets the lender’s criteria and getting a suitable valuation.
August 31, 2022
What does High Density mean in the lending scape?
2 Min to Read
Lenders are cautious about issuing loans for properties in areas that they consider risky. Areas that are considered high density fall into this category and will normally be included in the list of postcode restricted suburbs, which means the lender will either not lend for that location, or the overall loan amount and LVR could be significantly reduced.
August 31, 2022
What are Postcode Restrictions?
2 Min to Read
These criteria are known as Postcode Restrictions, and they are put in place to protect the lender in the event that the borrower defaults on their loan obligations and the property needs to be sold to recoup the loan. What is it and why do banks put these restrictions in place?
August 31, 2022
Types of Defaults & Bad Credit Loans
7 Min to Read
What is a Default and how does it impact your home loan? How to deal with the situation of bad credit or any bankruptcies? Let's unpack a few of them here.
August 31, 2022
What is a Credit Report and what is a Credit Score?
7 Min to Read
A Credit Report is a summary put together by a credit agency, outlining your track record of paying back money to lenders. You’ll have a credit report if you’ve previously applied for any type of finance or even access to utilities, such as electricity, gas or an internet service.
August 31, 2022
What is Off-the-Plan?
6 Min to Read
Buying a house, apartment or townhouse ‘off-the-plan’ means signing a contract to buy a property prior to it being built.When buying a property off-the-plan, the purchase decision is based on building plans, elevations and renders, as well as the location itself.
