An adverse credit history indicates that there are negative reports or past transactions showing unpaid debts, overdue accounts, over the limit transactions or dishonoured payments.

Click here to see some of our Panel Lenders’ most competitive fixed rate loans. The best rate from our lender panel this month is: 2 year fixed rate 3.69% – NAB – First Home Buyers Special (Interest rates are for Loan sizes over $250,000. LVR and other conditions may apply) Email us if you would […]

Joint tenants, Tenants in common

Debt consolidation is where you increase or re-finance your home loan and use the funds to payout credit card, personal loan or car loan debt

Comparison rates are a legislated requirement for lenders to provide to home loan consumers.

All credit providers must give a comparison rate when they advertise a rate or a weekly payment for home loans. The comparison rate includes the interest rate or weekly repayment amount, plus most fees and charges.

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

Once you have building insurance in place, ask your insurer to provide you with a building insurance certificate of currency. You will need to send this certificate of currency back to your lender, together with your completed mortgage offer documents.

Life events such as unemployment, health issues, relationship separation and natural disasters can impact your ability to meet your home loan commitments. In such events you can ask your home loan provider for a hardship variation to change the terms of your loan.

Every lender has their own terms and conditions, and this is intended only as a general guide to understanding this topic. Contact us to discuss your individual circumstances. A construction loan operates slightly differently to a standard home loan. Construction funds from the loan are progressively drawn down at each stage of construction, as detailed […]

These are essential lending considerations that we will explore together, with the end result being a personalised solution for your property, financial and personal goals.