A fixed rate loan means that for a set period of time the interest rate that you pay, and therefore your monthly repayments, remain the same.

The time frame is commonly 1 to 5 years, however longer terms are available.

Property held in the names of two or more persons, in which each has a separate and distinct share. The shares may be equal or unequal. When one person dies their share is not passed to the survivor(s) but can be left to beneficiaries other than their co-owners.

A loan pre-approval is written confirmation that a lender has reviewed you and your current financial position and is prepared to lend you money up to the pre-approved loan amount.

When buying, refinancing or selling property, the more knowledge that you have about the local property market, the better informed your buying or selling decisions will be.

At least one month before you move

Should you pay your loan repayments fortnightly rather than monthly?

Interest on home loans is calculated daily on the outstanding balance and charged to the loan account monthly.

Fixed rate update. Read what is the best rates from our lender panel this month.

Yes, you can get cheaper interest rates than my panel of lenders…but you get what you pay for!

They are a low/no service offer. Consider my value propositions, all of the invaluable advice, support and single point of contact I provide.

Credit Report providers hold credit-related information which is primarily used by banks and other lenders to assist them in assessing applications for credit.
If you have every applied for or used credit in Australia, you will have a credit file.
See my Tips on Adverse Credit History for more information

There are so many things in life to think about these days! Insurance however is not always top of mind.