We possess within us two minds. So far I have written only of the conscious mind. I would now like to introduce you to your second mind, the hidden and mysterious subconscious.
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First home buyers can now purchase a property with as little as 5 per cent deposit without copping lenders’ mortgage insurance, after the government’s expanded First Home Guarantee Scheme came into effect on 1 October. It’s expected that 70,000 first home buyers will make the most of…
From 1 October 2025, the government’s First Home Guarantee scheme will expand, making it possible for more Australians to buy a home with a deposit as low as 5%. Whether you’re preparing to buy your first property or simply watching how the market shifts, these…
The Labor party pulled off a landslide victory in the recent federal election. So, what does this mean from a housing perspective? If you’re an aspiring homeowner, here are the key campaign promises that may impact your buying plans. Keep in mind the measures will…
The Reserve Bank of Australia (RBA) has cut the cash rate and interest rates have come down. So, is now a good time to buy property? The answer depends on your unique circumstances and goals. But generally speaking, it’s always best to get a leg…
Managing your home loan well can give you more flexibility and help you pay off your mortgage sooner. A redraw facility could be one way to reduce interest costs while still having access to extra funds when you need them. Here’s what you need to…
When purchasing a property, particularly an apartment, townhouse, or unit, it’s important to consider the ongoing costs beyond your mortgage repayments. One of these key expenses is strata fees, which help cover the maintenance and management of shared spaces within the complex. If you’re planning to…
2025 is shaping up to be a year of opportunities in the property market. With predictions of interest rate cuts coming this year, it’s an exciting time whether you’re considering buying a new home, refinancing, or exploring investment options. As your mortgage broker, I’m here…
Settlement day marks the long-awaited moment when you become the legal owner of your new home, and while it’s thrilling, it can also bring a few last-minute challenges. With the right preparation, though, you can help ensure a smooth handover and avoid surprises. Here’s your…
When you’re new to buying property, choosing a home loan can be overwhelming. There are dozens of different lenders out there all offering different types of mortgages. So, which is right for you? A mortgage broker can help you select the right home loan, based…
With today’s cost of living pressures and the median dwelling value in Australia now at $794,000, many young Australians feel like they’ll never be able to enter the property market. However, it’s important to remember there’s no one-size-fits-all approach to buying your first property. For some, it…
As housing prices continue to soar, many people are increasingly considering whether to buy a tiny home to live in or as a holiday home. The tiny house movement has been around for some time now, but despite its growing popularity, legislation is yet to…
In the wake of 13 consecutive cash rate hikes through 2022 and 2023, many aspiring homeowners and current mortgage holders have been left feeling uncertain. You might be concerned about whether your dream of owning a home has been temporarily derailed. Perhaps you’re questioning how…
Purchasing your first home is an exciting milestone, but the challenge of saving 20% for a deposit – particularly if you’re also paying rent and navigating cost-of-living pressures – can feel like an impossible mission. However, it’s important to not lose sight of your dream…
Getting ready to buy a home starts with saving for the deposit. It might seem challenging, but with a solid strategy, you can make it happen. Here are several things to consider to get you started and on track for home ownership sooner than you…
If you’re struggling to cover your mortgage repayments and other living expenses, you’re not alone. Data by Roy Morgan revealed that more Australian homeowners were “at risk” of mortgage stress over the three months to January than ever before. If you’re wondering how you’ll afford your next…