RBA Rate Cut
RBA Rate Cuts The RBA has announced another rate cut in May 2025, bringing the cash rate down to 3.85% which is the lowest it has been since May 2023. You might be wondering what banks are passing on the rate cuts and when, so we’ll keep updating the list below as the news rolls […]
The Ethical Landlord
The Ethical Landlord Some people will tell you that ethical and landlord are two words that don’t belong in the same sentence. Most of us have heard horror stories about awful landlords with their dodgy properties that are just out to scrape every last penny from their tenants, some of you will have even experienced […]
What is a Family Guarantee?
What is a Family Guarantee? For many first home buyers trying to enter the market, saving the deposit is the hardest part. With sky-high rents and increasing cost of living, saving up even a 5% deposit can be challenging. This challenge becomes a downward spiral. The longer it takes you to save your deposit, the […]
Changes to HECS
What’s changing with HECS in 2025? HECS has hit the headlines multiple times this year, so let’s take a look at what HECS is, what’s changing, and how that might impact you. What is HECS? HECS stands for Higher Education Contribution Program. HELP stands for Higher Education Loan Program. Sometimes it’s called HECS-HELP. We’re just […]
Values-Based Finance
Values-Based Finance Principles Finance is often viewed as sitting somewhere on a scale between ‘icky necessity’ and ‘root of all evil’. It’s easy to see why. Throughout modern history we’ve seen the wealthy divide grow, and pressure on the lower class mount. Australia’s financial literacy in schools is an embarrassment, and often parents can […]
Making the most of your offset
What is an Offset account? Having an Offset feature as part of your home loan package can be a fantastic tool, if utilised correctly. The concept is simple. Any funds in your Offset account are deducted off the total loan balance each day when the bank calculates your interest payable. In this example, interest is […]
Interest Only Loans
Interest Only Loans For decades, Australian property investors have relied on Interest Only loans. What is an Interest Only loan, and why have they been the preference for investors? Loans usually have two repayment options, Principal and Interest (P&I), or Interest Only (IO). P&I repayments are calculated to ensure that you pay off the loan […]
Pros and Cons of Cross-Collateralising
Cross-collateralising securities is a tongue twister that you need to wrap your head around, as the structure of your home loans can cause headaches if not done correctly. We’re going to break down what cross-collateralising means, what are the pros and cons, and what is the alternative to cross-collateralising. Cross-collateralising is also known as cross-securitising, […]
First Home Buyer Schemes in NSW
There are many schemes currently available in NSW to help First Home Buyers get into the property market. Your Mortgage Broker can help you understand your eligibility and how to maximise the benefits. First Home Buyers Assistance Scheme To be eligible for this scheme, you must never have owned, or had interest in, residential property […]
Understanding Construction Loans
Understanding Construction Loans Building a home can be a daunting task to take on, so you really want to know what you’re getting yourself into from the beginning. There’s a few pathways into this, so we’ll lay them out: Vacant land and separate build contract House and Lack Package Knock-down-rebuild Vacant Land & Build […]
