Well – you’re thinking about getting pre-approved! That’s a great start and while a lot of other broking firms aren’t keen on pre-approvals. We are! Why? Because: Then you can be really competitive when going up against multiple offers which is common right now Then the bank has agreed that they are happy to lend to you with your circumstances and then the only variable is that they […]

On internet banking accounts you are able to personalise the name of your account, for example “Groceries” or “Holiday savings” – or better yet “Riverside investment property” “Equity release for Bridport” etc so it’s nice and clear. Here are some handy links compiled below explaining how to do this with different banks. (If you find the one you’re looking at is out of date or doesn’t work please just […]

When you’re building another property onto an existing property (ie: a unit on the back of a house) or when you’re building multiple properties on one title (3 units for example at once) you might find that the lender needs the valuer to value the properties “all in one line” – ie: as though they’re all on one title. Now this can sometimes be confusing to people as […]

We have a lot of clients looking at fixed rates right now given the low rates in the market. I recorded a little video here to help with some thoughts about whether we fix part (not all of your loan): Here’s what I would encourage you to do first up: 1. Read the following articles: The difference between fixed / variable loans:   https://www.uploans.com.au/blog/2017/09/01/fixedvariable/   (note no redraw on fixed, […]

Here’s what you need to keep in mind from a finance perspective. You can absolutely talk to a mortgage broker early in the piece. We’re here to help. When you make arrangements to take over an existing property owned in dual names remember: It’s best if you have spoken to a broker first or gotten pre-approved so you have an understanding of your borrowing capacity. While a broker […]