Home Loan Articles

9 Tips For Homebuyers & Mortgage Holders To Celebrate Christmas

personOtto Dargan access_timeDecember 14, 2022

It’s December, Christmas is near, but the festive mood is not as joyous as it should be for many. Australians have faced eight straight cash rate increases since May 2022. The joy of Christmas is fading away for mortgage holders and would-be homeowners who aren’t sure...

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First Home Buyers Looking For Alternative Ways To Enter The Property Market

personOtto Dargan access_timeDecember 6, 2022

The prices of homes are declining, but it is providing little relief for those looking to buy their first home, the First Home Buyer Report 2022 by Helia revealed. Affordability is the biggest obstacle to buying a home, the report states, as 68% of FHBs cited it in this survey. The...

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10 Tips For Negotiating On Property Price In A Buyer’s Market

personOtto Dargan access_timeNovember 16, 2022

Australia in late 2022 is a buyer’s market. As of November 2022, distressed listings across Australia have increased more than 15% since the interest rate rises began in May. Many sellers are under pressure and buyers can afford to be choosy – and negotiate. In a...

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How Mortgage Brokers Help With Rising Rates

personOtto Dargan access_timeAugust 24, 2022

For many mortgage holders and potential borrowers, the consistent waves of interest rate rises are uncharted waters. The Reserve Bank of Australia raised the cash rate for the first time in 11 years in May and it has gone from 0.1% to 1.85% since then. The cash rate increase...

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How Rising Interest Rates Affect Your Borrowing Power

personOtto Dargan access_timeAugust 19, 2022

After months of growth, Australia’s property prices have started to fall. Unfortunately, it’s not necessarily a time to celebrate. The cost of living is rising – making it harder to save for a deposit – and interest rates are as well, so your borrowing power is probably...

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Regional Home Guarantee | Buy In Regional Areas With A 5% Deposit

personOtto Dargan access_timeMarch 30, 2022

During the federal budget announcement, the government revealed it will expand its existing home buyer schemes and will introduce a new scheme for regional home buyers later this year. What Is The Regional Home Guarantee? The new Regional Home Guarantee will provide...

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5 Reasons Why You Should Buy An Apartment As Your First Home

personOtto Dargan access_timeNovember 8, 2021

First Home Buyers – Apartment vs House First home buyers often start their journey facing a dilemma: choosing between an apartment and a house. Houses are often more sought after but even if that is your ultimate goal, it may be better to start with an apartment. We’ll...

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How To Beat An Investor Trying To Buy A House?

personOtto Dargan access_timeNovember 4, 2021

The Australian housing market is highly competitive and crowded with experienced investors. First home buyers often find it daunting. Long-time investors have advantages in knowledge and financial capabilities. However, there are ways for first home buyers to outbid them. How...

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59 Australian Suburbs Where Buying A House Is Cheaper Than Renting

personOtto Dargan access_timeAugust 24, 2021

Australian house prices have been rising at their fastest rate in 17 years, making houses more and more unaffordable for first home buyers. Prices increased by 18.4% over the last 12 months, and the Reserve Bank of Australia has estimated a further 17% rise to December 2021....

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Should I Buy A House Now Or Wait?

personOtto Dargan access_timeJune 23, 2021

Here are some reasons first home buyers are hesitating to buy a house: Demand for property from home buyers and property investors is high. There is so much competition in the market. Recent figures indicate that investors are making a return to the property market. Australian...

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