Educate Me

Should you refinance now?

With millions of Australian homeowners likely to be slugged with higher mortgage repayments due to the cash rate hikes, there’s one question on everyone’s lips.  Is now a good time to refinance?  While it depends largely on your individual situation and goals, there are mounting…

Welcome to our June Newsletter

In what was the biggest one-off rate hike in 22 years, this month the Reserve Bank of Australia (RBA) increased the cash rate to 0.85 per cent in order to curb skyrocketing inflation.  Following the announcement, all of the big four banks passed on the rate increase in…

Understanding the cash rate increase

News of the Reserve Bank of Australia’s (RBA) decision to increase the official cash rate has left many homeowners feeling uncertain and worried. For some, it’s the first time they’ve experienced a cash rate rise. If you’ve been left scratching your head wondering what this…

Welcome to our May newsletter

This month, the Reserve Bank of Australia (RBA) increased the official cash rate for the first time in more than 11 years. The move is likely to have huge implications for the housing industry. For one, lenders have already been passing on the cash rate…

Welcome to our April newsletter

As the Easter eggs come off the shelves, some aspiring homeowners are shifting their focus from chocolate to securing a property during the busy Autumn buying season. If you’ve been struggling to break into the property market, it’s worth looking into the  government’s proposed $8.6…

How to compare home loans and features

Which home loan is right for you? How can you tell when there are so many different lenders, loan types and features available? It can be confusing, particularly if you are a first-time buyer. Fortunately, we’re here to help explain things, so let’s dive in….

Welcome to our March newsletter

Autumn has arrived and what a wonderful time of year to turn over a new leaf with a property purchase. While national housing values are generally rising, the pace of growth has trended downwards since April last year, according to CoreLogic figures. CoreLogic director of research, Tim…

When to leave your lender

When it comes to your home loan, making sure you’re getting the most competitive deal is important. Even a small difference in your interest rate can mean thousands of dollars over the long run. That’s why it’s imperative to ask us to regularly review your…

Welcome to our February newsletter

The property market is up and running, gaining momentum after the summer holidays. January is typically the quietest month for property sales, but activity across Australia was about 15% higher than January last year, and almost 40% higher than the previous five-year average. Although property prices have continued…

Welcome to our January Newsletter

Hello 2022! We hope you enjoyed some quality time with family and friends over the Christmas and New Year break. In December, we saw auction activity go gangbusters, with capital city auction volumes through the roof. With more stock available, it may leave you in a better…

Welcome to our December newsletter

Summer has arrived and not only is the weather heating up – so is the property market! Property volumes are continuing to surge, with plenty of new listings going up in areas previously affected by lockdowns such as Sydney, Melbourne and Canberra. Meanwhile, Australian property values…

4 tips of successful property investors

Australians love investing in property, and it’s no wonder why. Property investment helps you grow your wealth through capital growth and provides additional income via rental returns. So, what can we learn from the people who do it well? Let’s take a look at some…

APRA Serviceability Test

Recent changes to how lenders have to assess borrowing capacity for home loans will make it harder for some to borrow what they want. We’ve broken down what the changes are and what they could mean for you. What’s changed?On 6 October the Australian Prudential…

Welcome to our November Newsletter

If you’ve been holding out to buy a property in areas affected by lockdowns like Sydney, Melbourne or the ACT, we have some good news for you! The Spring selling season is starting to heat up now that lockdowns have eased, with plenty of new…

4 signs it may be time to refinance

The pandemic has drastically changed the way we live and work. For some, there may have been big changes to their financial situation. You may have changed jobs or been promoted? Perhaps you’ve saved up some extra funds during lockdown, or you may be struggling…