As you may have seen, the RBA decided to decrease rates today by a further .25% – the third decrease by the same amount this year.
In line with the previous rate decreases, we will be sure to update you on what each bank is doing in terms of passing this on and you can expect

If you have a home loan or an investment loan, it’s most likely your biggest monthly expense. That is what makes this possibly the most important message you’ll ever read. Why? Because, odds are, you’re paying way too much.
Always having the lowest cost home loan for your situation is critical, as a home loan

You shop around for the best deals on everyday products and services, and don’t for a second think home loans are any different. One of the best ways to be sure you’re getting the best home loan rates, in flexible terms, low fees, and low interest rates, is to consider what you bring to the

You may have seen in the news this week that there are policy changes on the horizon with APRA, but what does it all mean?
TIP – if you don’t like numbers, or find this subject boring, skip to the bits in bold!
APRA, the body who regulates Authorised Deposit-taking Institutions (ADI’s) – i.e. banks

 
It’s easy to get bogged down in numbers when you’re looking at property and analyzing your buying power, but don’t forget the power of negotiation to help you get the best possible value for your investment.
The good news doesn’t stop there. In the right situation, you may be able to negotiate favourably with:

Tip 1: Location matters
Have you considered locations outside of your postcode for purchase, or even outside your interstate? If you delay buying your home so you can find something in your price range, you can use the time to save up for a bigger deposit. The problem is, you have no idea when property

1. When loyalty doesn’t pay
There’s a good chance you’re one of 40% of all Australians who still bank with their childhood bank. It may be less out of loyalty and more out of convenience, but nearly half of us use the same bank for all financial needs.
The thing is, when it comes to

Not getting pre-approved before house hunting
You may be excited to start looking, but there’s a big problem if you’re not already pre-approved or conditionally approved: you won’t be prepared to make an offer, and could end up missing out on the property of your dreams.
Even worse would be putting down a deposit and

Australia has been split on their opinion on who should be in government, with some seats being so close they are yet to decide on which party will win. With that being said, Liberal is the only party with enough seats to form a government, and it is whether or not this is a minority

It can be a difficult experience to buy your first home. There’s so much to learn when it comes to buying your first property, and when you’ve never done it before there’s a long list of new terminology to learn, hidden costs you had no idea about, financial surprises, and even conflicting advice depending on