Refer a Friend and Earn Rewards

Refer a Friend and Earn Rewards!         You could earn yourself a $250 VISA gift card just by referring a new client to us. Send us your friend's contact details (with their permission of course) and when their loan of $250,000 or more settles you will receive a $250...

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Drowning in Debt? There is a way out!

This week I had a client contact me who had received some not so great advice regarding her finances. She was drowning in debt, feeling extremely anxious at the thought of finding the money each month to make all the individual repayments and to top it all off her...

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When it comes to banks, big isn’t always better

Does size really matter? When Michael Walls, from Access News, asked my opinion about bigger banks vs smaller lenders I jumped at the chance to be involved in an article he recently published for Western Sydney Business Access. While there are benefits that come with...

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Can I Borrow With a Gifted Deposit?

In short, the answer is yes. You can apply for a home loan, to purchase a property, with a gifted deposit. Loans with non-genuine savings are scrutinised quite closely, so be prepared to answer a few more questions before you submit your application. As with any...

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Good Debt vs Bad Debt – Not all Debt is Created Equal

Does Good Debt vs Bad Debt really matter? Debt is a normal part of life for many of us, and it comes in a variety of forms but what do we mean by good debt vs bad debt? By definition, debt is quite a simple concept - a sum of money that is owed. Yet debt varies from...

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Valuations vs. Appraisals… What’s the difference?

Valuations vs Appraisals - What's the difference? Bank valuations and Real Estate Market Appraisals can be, and are more often than not, slightly different. When you are searching for a home to either invest or live in, your lender will require an independent...

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How Your Credit Rating Is Rated

What Is a Credit Rating? Your credit rating is a score that is determined by looking at information collected about you over time and using this information to calculate what level of risk you pose to a lender. The information uses patterns in your lifestyle and past...

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What is LVR?

LVR The mortgage industry is a wide, wondrous world with a language all of its own. One of the many acronyms bandied about is ‘LVR’, which stands for ‘loan to value ratio’. Here’s what it means. When you are working out what amount you can borrow to purchase a...

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Why should you use a Mortgage Broker?

Because they save you time and money As the home loan market becomes increasingly complex, more people are turning to mortgage brokers. Here are some of the reasons why. A Mortgage Broker can save you time The choices now available to consumers in the home loan market...

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LMI – What is it and who does it cover?

What is Lenders Mortgage Insurance? The lender is protected by Lenders mortgage insurance (LMI) in the unfortunate event of you defaulting on your home loan. When lenders agree to lend you money, there is a small risk that they won't get the money back if you are not...

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