If you have selected a Fixed Rate home loan, the fixed rate that will apply will be the advertised rate on the date of settlement

LMI is a one-off, upfront insurance premium that is generally payable when you borrow more than 80% of the property value. It does not protect you as a borrower. It protects the lender in the event that you default on the loan, and they have a shortfall in funds after selling the property.

Thinking about a Tree-Change? Buying a home in the country has many benefits and is sometimes a dream of people wishing to escape the Rat Race. But before you fall in love with any property, make sure that you can borrow the money you need to buy it.

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.

A guarantor promises to make the payments or reimburse any shortfall in the event that the original borrower does not pay and/or the property is sold at a loss.

This is a list of the documents you may need to provide to a lender during each step of the loan process:

Lenders will require a Fixed Price Building Contract (FPBC) by a Registered Builder.

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 […]

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

This obvious step is often underestimated by many buyers. We can help you understand what you need to save for and help you set your savings goals.

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.