Latest Blog

Decisions decisions… Fixed-rate vs variable home loan rate

16 January 2025

Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now. Home loans come in all shapes and

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House, apartment or townhouse? The pros and cons of each

9 January 2025

There’s much more to property in Australia than just houses or units. And if you’re in the market for a home or investment property, it helps to know your townhouses from terrace homes so that you can choose a place that’s suited to your goals and needs. Australians are blessed

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The Truth About Deposit Size

9 January 2025

Many homebuyers believe that a 20% deposit is necessary to secure a home loan, but this isn’t always the case. While a larger deposit has its benefits, such as lower monthly repayments and avoiding Lenders Mortgage Insurance (LMI), it’s not a strict requirement. Smaller Deposits: A Viable Option Lenders now

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Buying Your First Home in Australia

2 January 2025

Purchasing your first home in Australia is exciting but can be complex. Here’s a streamlined guide to understanding deposits, Loan-to-Value Ratio (LVR), and hidden costs. Deposits A standard deposit is typically 20% of the property’s purchase price. However, deposits can be as low as 5-10%, though this may incur Lenders

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