Genuine Savings

Genuine Savings is a term most Banks and Lenders use for your Deposit when you are purchasing a house. Banks and Lenders are looking for a commitment to show you can save money or at least commit to a regular payment each week/month/fortnight.   So, what is considered Genuine Savings?

Protect what’s important to you

I have a duty of care to talk to all my clients about protection when they are borrowing money to purchase a house because I personally want to ensure they can continue to live the lifestyle they are used to regardless of what may happen in the future. Typically, when I have this discussion with […]

Mortgage Documents

There is nothing I love more than calling a client to congratulate them on their formally approved loan. As soon as the loan is formally approved the lender gets to work issuing the loan contract and mailing them out to you. Once you received them you have a small window to get them completed and […]

What is Transfer Duty

Transfer Duty As mentioned in last week’s blog if you are a First Home buyer you are also eligible for further discounts and this is regardless of if you purchase a new or existing home. Similar to last week I will be talking about QLD purchases specifically however if you want to find out more […]

First home buyer grant, what you need to know

There are different concessions available to first home buyers and this week I want to take a closer look at the very popular First Home Buyers Grant, starting with why the Government established it.

What is Interest Only?

The difference between Interest only and Principal and Interest loans is simple. When you are paying Interest only then you are simply repaying each month the amount of interest that was charged the month prior. Principle and Interest is when you are repaying the interest amount as well as some of the principle loan so […]

It’s all in the Repayments

  You should never use the repayment amount of your home loan to determine which loan offer is the best for you. Firstly (as we talked about in the past blog) it doesn’t include fees and charges so you could be paying more than you thought but also there is a big difference between paying […]

6 steps to buying your home

[et_pb_section bb_built=”1″ admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]     Unless you’ve purchased a home before you may not know what is involved and what to expect. It may even depend on the type of property you are purchasing, because buying off the plan can be different to buying a pre-existing home for example. Regardless of the type of property […]

Self-employed? what you need to know

                                                                                                                                                                                                                                If you are currently self-employed or have been in the past then you will be familiar with the challenges most self-employed people face when it comes time to get a Home loan. Let me take you through what some of these challenges are and my tips to help you get over them.  

Top 3 tips to save money today

        Check out the blog video here I want to write a blog on how to save you money but the truth is there are so many ways you can save money, lots of little changes you can make to your banking which will save you a little here, a bit more […]