Family home guarantee scheme

Here Lucy, Keisha and Sam discuss the family home guarantee scheme – a government scheme designed to get single parents and guardians into a home with a 2% deposit.

Read More | 29 Sep, 2023

What is a buyers agent

Watch this video below as Kirsty explains; What does a buyer’s agent do? When should you use one? How will they help! Kirsty and Hobart buyer’s agent Angie chat about all this and more including a tip that all buyers using an agent or not can tap into!

Read More | 29 Sep, 2023

Why Should You Get Pre-Approved?

We get a lot of questions from clients on the benefits of being pre-approved, and if it is something that we recommend. The short answer is yes! While obtaining a pre-approval can be a process that takes a few weeks and a lot of paperwork to go through, it has a lot of benefits both for your peace of mind and for a vendor’s peace of mind too. First […]

Read More | 05 Jul, 2023

Integrated Client Accounts with the ATO

Why do banks in Australia want to see your ATO integrated client account summary when you apply for business lending or if you are self employed and applying for a consumer loan. When you apply for a business loan, the lender will often ask you to provide a range of financial documents to verify your business’s financial health. One such document that Australian banks are increasingly asking for […]

Read More | 26 Jun, 2023

Why would you want to use multiple offsets?

There’s a bunch of reasons why you’d want to use multiple offsets against your home loan and we’ll step into a few of them in here. Please note not all banks offer this functionality. Also run any queries on where your offsets point past your accountant. Watch the below video where Kirsty explain why you would want to use multiple offsets.

Read More | 23 Jun, 2023

So we’ve asked you for more documents…why?

Applying for a home loan can feel like a never-ending quest of supplying paperwork- statements, payslips, your grade 5 history class results… okay maybe not that one, but why do we ask for so much? And why do we ask for more after your initial meeting? Well there are a few phases to the process of getting a home loan, here we’ll explain why we need so much […]

Read More | 01 Jun, 2023

Explaining Some Jargon

If there’s one thing that banks love, it’s jargon (and if there’s one thing Lucy loves, it’s coffee). In the video below, we discuss both of those things! But mostly the jargon.   Wow, we went through a lot of topics. Here are the links to the other blogs and resources we discussed: Kirsty’s video on Lender’s Mortgage Insurance (LMI) The difference between redraw and offset Variable vs. […]

Read More | 03 May, 2023

Bridging Finance

Are you looking to buy a new home but need a little extra time to sell your current property? Or perhaps you’ve found your dream home but need to act fast before someone else snatches it up? That’s where bridging finance comes in! If you have strong equity in your existing property you might be able to get bridging finance. A bridging loan is a short term loan […]

Read More | 01 Feb, 2023