Home Loans

Choosing your mortgage provider can sometimes involve as much research as locating your ideal property. After all, you wouldn’t purchase the first property you saw without looking inside, so why would you treat your mortgage this way?

Alex Ritchie -

05 Mar, 2024 -

6 min read

Home Loans

Lenders Mortgage Insurance (LMI) is an insurance policy that protects your lender if you default on your mortgage. The cost of LMI can be significant, and may affect your home loan budget when buying a property or refinancing a mortgage.

Mark Bristow -

18 Mar, 2024 -

4 min read

Home Loans

Lenders Mortgage Insurance (LMI) can make a big impact on your mortgage budget if you plan to borrow with a low deposit. Whilethere are several options available to avoid LMI, some may better suit some borrowers more than others.

Mark Bristow -

18 Mar, 2024 -

6 min read

Home Insurance

Many apartments are already covered by strata insurance, so you may not need to apply for a traditional home insurance policy to cover damage to the property. However, strata insurance may not always offer the cover you need. If you’re one of the 10% of Australians who live in apartments, it could be worth comparing contents insurance policies and other options.

Mark Bristow -

26 Apr, 2024 -

4 min read

Home Insurance

Home and contents insurance are often mentioned in the same breath, and many insurance providers sell them as a package deal, but they are two different types of insurance that cover two different things. Whether you’re an owner occupier, a tenant or an investor, it’s important to know you’re covered with the right kind of home insurance - in fact, having insurance may be a requirement of your mortgage.

Mark Bristow -

22 Feb, 2024 -

4 min read

Home Insurance

Renting out a room in your home can be beneficial in a number of ways - it can help you earn extra income to put towards household bills or mortgage payments, and it can even be a way to make use of a space that’s sitting dormant. That said, if you are considering becoming a landlord, even on a small scale, then it’s important to understand the legal requirements and the workings of the rental market, as well as how renting out a room could potentially affect your home and contents insurance. 

Mark Bristow -

09 Feb, 2024 -

5 min read

Credit Score

Being mindful of your financial habits can make a big difference to how easy or hard it is to keep your credit score at the top end of the band. Here are four of the top ways to maintain or grow a good credit score:

Mark Bristow -

15 Feb, 2024 -

4 min read

Credit Score

The frequency at which your credit score changes will depend on how often a bank, lender or service provider offers this information to credit bureaus, and how often a credit bureau assesses your individual credit history and payment behaviour. 

Eden Radford -

30 Jan, 2024 -

4 min read

Credit Score

Is there such a thing as 'good debt' and what could it mean for your financial future?

Mark Bristow -

16 Feb, 2024 -

4 min read

Superannuation

It is possible to use the money in your superannuation fund to help cover the cost of your mortgage in certain circumstances, such as if you’re retiring or are in financial hardship. However, accessing your super fund early can make a big difference to your retirement lifestyle. 

Mark Bristow -

21 Jul, 2023 -

4 min read

Car Loans

A car loan may positively or negatively affect your mortgage application. Successfully managing your car loan repayments could help improve your credit score, which may make a better impression on mortgage lenders. But if your car loan would push your debt-to-income ratio too high, a lender may be less likely to approve your mortgage application.

Mark Bristow -

07 Nov, 2023 -

7 min read

Car Loans

Chattel mortgages explained

Car Loans

If the time has come to upgrade to a new set of wheels, but your savings won’t quite cover the purchase cost, you might be weighing up your financing options.

Alex Ritchie -

06 Nov, 2023 -

5 min read

Credit Cards

It may be worthwhile paying off your credit card debt before buying a house, as this may make your mortgage application look better to a lender, and potentially improve your credit score.

Alex Ritchie -

12 Jul, 2023 -

5 min read

Personal Loans

After successfully securing a home loan and purchasing a property, it’s not uncommon for mortgage holders to be strapped for cash. You might consider taking out a personal loan to help pay for renovations costs, buy new furniture, or simply to cover necessary everyday expenses.

Peter Terlato -

20 Jun, 2023 -

4 min read