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When trying to break into the property market, saving a 20% deposit can be almost impossible. That’s where lenders’ mortgage insurance (LMI) comes in, but it comes at a cost.. What is LMI? LMI, or Lenders’ Mortgage Insurance, is a cost that many home buyers must endure if they haven’t saved a 20% deposit. In a nutshell, Lenders Mortgage Insurance

Saving the deposit for your first home can be difficult and take a number of years. One way to potentially get into your own home sooner is by having a family member act as a guarantor. You might have heard about guarantor home loans (also known as a Family Pledge Guarantee), and how they can help first home buyers crack

If you’re researching home loans at the moment, you certainly wouldn’t be the only one and might come across something called a comparison rate. Homeowners who have happily paid their mortgage for years are now realising that better deals might be out there. With interest rates rising along with other cost-of-living pressures, people need to ensure they’re getting value for money. In

With all the talk about interest rates and the housing market lately, many people are considering whether their current home loan meets their needs. As a result, lenders have started offering incentives for people to switch over to one of their home loan products. So, let’s take a look at what refinance cash back offers are, and how you can

If you’re a homeowner with a mortgage, you’ve no doubt been keeping a watchful eye on interest rates. The Reserve Bank of Australia has increased the cash rate several times this year, and they have flagged more increases in the next 12 months. For mortgage holders, especially those with variable interest rate loans, this news is particularly distressing. In short,

Refinancing your home loan can be a way to ease financial pressure, purchase investment properties or consolidate other debts. The idea is to find a better deal than your current home loan. The great news is, that there are really no limits as to when you can refinance your home loan. However, there are some things to be aware of first.

The Sunshine Coast Property Market Forecast Mainstream media seems to be pushing the idea that the housing market is in chaos for everybody – both buyers and vendors. However, that’s not really the case, especially if you’re on the Sunshine Coast. With people flocking to Queensland from the southern states in droves, there may actually be more stability in the

There seems to be a lot of doom and gloom in the national property market at the moment. Interest rates are rising, building costs have soared and there’s a sense of trepidation everywhere. Unfortunately, the media is well-known for drumming up fear and warning us of looming property crashes. The facts are a little different to the click-bait headlines though,

With an increase in our focus on sustainability and the environment, home buyers will be pleased to know they can get some great home loan benefits for building more environmentally homes. What is the Green Home Loan? A green home loan is one that rewards borrowers for building or buying eco-friendly homes. In short, that means the home needs to be certified

Looking to build wealth through property investment? If you’ve thought about getting one rental property, there’s no reason you can’t begin to build a whole property portfolio. What is a property portfolio? A property portfolio is a collection of properties owned by one individual or a company. Generally, people start building a property portfolio by buying a home to live