Offset vs Redraw – Which is better?

Offset vs. Redraw​ If you’ve had a home loan, you’ve researched online, or perhaps been given some great backyard BBQ advice from Uncle Bob, it’s likely you’ve heard of an Offset and maybe even Redraw. Whilst you may be familiar with the terms, it’s less common to fully understand how they work and the pros […]

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 […]

Deciphering the Code: A First Home Buyer’s Guide

The world of finance can be a confusing place. There’s lots of big decisions to make, and a lot to learn.  Working with a Broker is one sure fire way to ease that fear. We’ve got years of experience handling these matters, and can guide you step by step and teach you along the way.  […]

One simple trick that could save you thousands

Paying off your home loan faster is a great idea, but it’s hard to get excited about such a long-term goal.  If you took out your loan over 30 years and you’re chipping away at it, good on you! But I’m going to show you an example of why this simple little trick is worth […]

What is a Family Pledge?

It’s common for parents to want to help their babies. When their babies are all grown up and looking to buy their own family home, a Family Pledge is one way they can help. Family Pledge is also called; Security Guarantee, Limited Liability Guarantee, and Family Guarantee. It all sounds rather confusing, so let’s break […]

Picking a Lender: Finding the perfect match

Choosing the right lender for your specific circumstances is my job as a Mortgage Broker. I want to give you some insight into the thoughts and processes that form part of this decision. You might be surprised to find that the ‘lowest rate’ isn’t always the highest priority! PREFERENCEFirst things first, do you have a […]

6 stages of the mortgage application journey

At Feel Good, we want you to feel in control, prepared for the journey ahead and celebrate each small win! We’ve created this step by step guide, so you’ll know what to expect when you use a Mortgage Broker to find you a great home loan! A typical application will go through the following 6 […]

4 reasons your home loan might be declined

Having your home loan application declined can be a massive kick in the guts. Unfortunately it is a reality that can happen. You can prepare yourself by taking note of these 4 common reasons for decline. SERVICEABILITY This is your ability to repay the loan based on your stated income and expenses. Each lender uses […]