Each time you renew or submit a pre-approval it will show as an enquiry on your credit report. It doesn’t show an approve or a decline, just an enquiry. Lender dependant your pre-approval will last 3-6 months. |Your decision at the end of that time is either to: – renew the pre-approval and know that your borrowing capacity is current with any policy changes, and that when you […]

Watch the video above to see what you can do to improve your credit and what to do if you find a default on your credit report. You can also have a read of the Credit Report & Credit Repair Guide mentioned in the interview here.

Here’s a quick explanation of why you might not want to close down a home loan when you’re ready to pay it off in full.  

Ahh the glamour of Airbnb, and the appeal to investors lately has meant that I’ve gone from hearing it in client meetings rarely 5 years ago, to weekly these days. BUT – it’s really important that you think about all aspects of being an investor not just how instagramable your property may be in the future! Here are the major things I’d think any investor would want to […]

For any loan application you will need to show your broker/bank what your monthly living expenses are. Watch below as Kirsty steps you through how to complete our ‘living expenses calculator’ and how to quantify what your living expenses actually are.  

When applying for a loan we will always ask for your bank statements, but we may also ask you for select transactions for us to show your bank. This may be for child support payments, family tax, health insurance etc where the lender has just asked to see these specific transactions. Watch below for how to do this easily.

A client asked me tonight: “I have contacted an agent in regard to a property to see where they are at with offers etc. The response I received is as follows: This property is currently under conditional offer but the owner can accept another offer but it would need to be an unconditional offer or close to it… Could you please clarify what he means by this?” Here’s […]

When looking to build a property portfolio the best ally you can have on your team is a great property manager! Listen in as Kirsty discusses handy things to look for in a great property manager.

Have you heard of the Nationwide House Energy Rating Scheme? ‘NatHERS’ is a star rating system (out of ten) that rates the energy efficiency of a home, based on its design. By providing a ‘measuring tape’ to estimate a home’s potential heating and cooling energy use, NatHERS helps to make Australian homes more comfortable for their inhabitants and also helps residents to save on energy bills through smarter […]

How do you know what you need to be saving on an ongoing basis? What is the magic number? Have a look at Kirsty’s video below to see her simple rule of thumb and learn all about ‘propensity’.