The loan amount recommended by your broker for your application may differ slightly from your own estimate of how much to borrow . People are frequently surprised by this, but we assure you that there is a method to the madness! Watch the below video where Kirsty explains why we calculate loan amounts the way we do. https://youtu.be/qwQWgJi9pNk

  Hey there First-Home-Buyer-To-Be (or Savvy-Saver, we don’t discriminate),   How good is that feeling of finding a ten dollar note in the pocket of some pants you haven’t worn in a while? What if the internet could search your pockets for you to find that cash? Good news. It can! (Sort of – they won’t actually search your pants pockets, that would be creepy). The MoneySmart website has a […]

Have you checked your payslip to see if you’re paying any extra tax, either deliberately or as a hangover from your HECS/HELP debts or your salary sacrifice? Kirsty has some advice on what extra tax deductions on your payslip can do to affect your home loan application.     Related watching: Advice on the Home Loan Super Saver Scheme

With the recent interest rate rises, we’ve been getting a lot of clients reaching out to ask about fixing their home loans! We have a pretty simple tip here to help you ‘fix’ it yourself if you’re thinking that a fixed rate could be the way to go for you. It’s easier than you think, and it doesn’t require any fees… sounds good right? Have a look at […]

On maternity leave and wondering how a bank will treat your income? It’s a great question! Here are the key points for if a bank will count your maternity leave income. You must be returning to the same place of work you left (if you’re starting a new job for a new employer that sadly doesn’t count). You must be returning to guaranteed part time or full time […]

Is it possible to add tax deductible debt to an investment property? Here Kirsty talks about this. In short, the debt is tax deductible for what you’re borrowing it FOR not what you’re borrowing it   And if you’re keen to for more information on the process of cross-collateralising, check out the video Kirsty mentions on that: https://www.uploans.com.au/blog/2019/03/03/cross-collateralising/  

Does an introductory interest rate seem almost too good to be true? And what happens when your fixed rate expires? That is where revert rates come in, and in the video below Kirsty runs you through what those are and why they’re important to watch out for! To book in an annual review with your broker, go to their page from our team section here and click their […]

Are you thinking about buying in the future? Kirsty has a neat trick here to help you change the way you see offer prices- and it’s as simple as a few screen prints… For more resources on buying, check out this page.

Watch the video below where Kirsty explains what redraw is, and how it works for your home loan. You can also have a read of this article on the difference between offset and redraw.

Thinking of buying a Kit Home instead of doing a traditional build? Have a watch of Kirsty’s video below so you know what you will need to do from a finance perspective.