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While every lender is slightly different, there are generally six key factors that influence the amount of money you can borrow. This is referred to as your borrowing capacity, and every lender will make an assessment of this before approving a home loan. The main factors are: Income Expenses/Lifestyle Credit History Type of home loan Your deposit amount Assets Let’s

If you’ve ever heard the term ‘interest-only home loans’ and wondered if it would suit your circumstances, then keep reading! Interest-only home loans have become more popular in recent years because they are often seen as a way to keep repayments a bit lower in the early stages of home ownership. With house prices at record-high levels across the country,

Debt consolidation is one of the many ways a finance broker can help get your finances back on track. If you’ve got multiple monthly repayments, it makes sense to consolidate those into one easy payment. Here’s why you should consider consolidating your debt. What is debt consolidation? Debt consolidation is the process of taking multiple debts, such as credit cards

There is plenty of excitement surrounding the announcement that Brisbane will be hosting the 2032 Olympic Games. Not only is there a buzz about hosting one of the world’s biggest sporting events, but there is also excitement brewing about the massive infrastructure upgrades it will bring. With up to 14 new sports venues to be built across Queensland. Sporting venues

Did you know that being stuck in a bad home loan could be costing you thousands of dollars? This is why many people choose to refinance their home loan for a better deal. Here’s what you should know if you want to improve your current mortgage. What’s involved with refinancing a home loan? Refinancing a home loan is actually much easier

Are you frustrated with how difficult it is to get into the property market as a first home buyer? If traditional methods of buying a home haven’t worked out for you, you might consider these ideas to get into the market sooner. Rent to own Renting to own is becoming more common in Australia and may be a great way

In very simple terms, refinancing is the process of finding a better home loan than the one you’re currently paying. Effectively, you pay off your old home loan with a new one that ideally has better interest rates and conditions that suit your current financial situation and goals. Here’s everything you need to know about refinancing. Can I get a

If you’ve ever bought a home, or you’re considering buying your first, you’ve probably heard about mortgage brokers. You’ve probably also wondered about the benefits of using a mortgage broker when you could go directly to a bank. Well, read on to find out exactly how mortgage brokers can help you achieve your goals. Thorough consideration of your circumstances If

Is it time to move house? Either you’re renting and want to get into the property market or you have an existing property and you’d like to move. Perhaps you want to downsize, or even upsize if your family is growing. Whatever your situation, you have one big choice to make – buying an existing home or building a new

One of the best ways to build wealth and secure your financial future is by buying an investment property. Here are some tips for buying your first! Consider the cash flow The biggest thing you need to consider before even considering an investment is your future cash flow. If you’re already paying one mortgage, remember that repayments will increase significantly once