Buying Your First Home and How We Can Help

Buying your first home can be both exciting and scary, and that’s okay. It’s a major step and it’s supposed to be considered carefully. Fortunately, we are here to help you make the process much easier. After all, this is one of the first steps in planning the rest of your life.

Home Equity Loan or Refinance?

As a homeowner, you probably know already that your house is not just your place of residence or an investment. It’s also an asset you can use when you need cash for major emergencies or funding for home repairs or upgrades.

Too loyal or time-poor for a better rate? Problem solved

Another month, another rate cut. Finance can be so tedious. That is until you realize it could mean more money in your pocket. But how? For many, matters of personal finance are so dull and/or difficult, they are immediately filed in the too-hard basket.

Can I Renovate A Residential Property I Own Through An SMSF?

If you’re thinking of giving your home a total makeover using your SMSF, think again.Unfortunately, while you and your fellow trustees have some control over your fund, it doesn’tmean you can spend your money however you like. The ability to renovate a residential property that you own through an SMSF comes down tohow you purchased […]

Bridging Loan or Deposit Bond?

When selling one property and purchasing another, one of the dilemmas of some first time home buyers are the funds from the sale may not be available in time to use for the purchase deposit. There are typically two options in this scenario: a bridging loan and a deposit bond. Bridging loan A bridging loan […]

Explainer: How to Get the Lowdown on Fixed-Rate Home Loans

With interest rates at an all-time low, and many lender’s fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. When purchasing a property, […]

How Can I Secure Cash Flow Fast?

Small business owners know all too well that the unpredictable nature of the industry can sometimes mean that quick access to cash flow is needed. MFAA Accredited Broker, The Finance Agency presents some of the options available to you when you’re faced with a cash-shortage.  Solution #1: Equipment Finance For many small businesses, especially those […]

How to Avoid Paying Lender Mortgage Insurance (LMI)?

Purchasing a home is an exciting milestone in life, but for many Australians, the burden of Lenders Mortgage Insurance (LMI) can be a significant hurdle. Lenders mortgage insurance (LMI) is required when the value of a loan is more than 80% of a property’s purchase price or property valuation if refinancing. However, with careful planning and understanding […]

The importance of doing your research in a growing lender marketplace

A dramatic increase in the number of lenders has highlighted the need for greater research and consideration, or ‘due diligence’, when searching and applying for a loan. The act of purchasing a property, commonly requiring the production of significant personal information, coupled with the commitment of large sums of money, can be stressful. And now, […]