Here’s the email I received just now: “Hi Kirsty, I wanted to reach out and get your opinion. I am considering changing jobs but am not sure if this will impact me being approved for a home loan, I have been told I would have to show pay slips for the last 6 months from the one employer. I’m not sure if this is correct & this would obviously impact […]

I will sometimes talk with clients about ‘eating redraw’ and they generally look at me like I’ve asked them to eat a budgie. OK – that’s a little too close to home given a budgie is sitting on my shoulder as I write this! But here’s a little video to go over what I mean. Often I’ll use this strategy in conjunction with the option not to cross […]

For us to do your annual check up effectively by phone or email we need to see what you can see! Here are the simple steps to sending us what we need for your annual check up. Log into your internet banking on a computer (I know, I know, phones are so easy!) but they don’t always have the exact information we require. You want to screen print […]

Have you heard of this? Do you use it? Watch below as Kirsty explains this concept and how it works.

This is a question we get asked a lot and it’s so important to know the difference, and which option will work best for your situation. You can also click here if you’re curious after this video to see Kirsty’s ‘other’ offset video…

  Ahh property. The great Australian talking topic where addictions to checking www.realestate.com.au are growing by the minute! But why then do most property investors never get past investment property #1? I suspect it’s because we don’t learn about investing (in any formal way) in our education and because the process of purchasing multiple investment properties isn’t made easy by the following myths that I’d like to dispel. […]

As an ex property manager herself, Kirsty has some helpful information around what to do if you find yourself ready or wanting to buy, but your lease has not yet expired.

Note, we can’t do this for you, it’s important you do this and seek appropriate advice on costs. This will help us get a pre-approval or estimate ready for you of your borrowing capacity. It’s also important to not estimate high, if you think you might sell for $380,000 but you’d be prepared to sell for $360,000 – estimate lower etc. Here are the figures you want to […]

If you’re our client and we set up your loan, 95% of the time we’ll be able to do this for you, but sometimes – when we didn’t set up your original loan – or if the lender doesn’t allow it you may need to make this call yourself. Here’s a little how to on how to make it feel less stressful!  

If you live rent free, say at home etc, most banks will still factor in a figure for your rental payments, even if you don’t have to make any! Weird right. You don’t pay rent, but the bank pretend you do – why is it so? Well, under responsible lending, the bank have to treat your situation as though it could be a worse case scenario. So let’s say you’re buying a block […]