It is quite possible that you have never heard of this term before and in reality, most lenders have only started to use this measure recently, so let’s cut to the chase…

What does Debt to Income ratio mean?

The debt-to-income (DTI) ratio is a personal finance measure

We’ve been getting quite a few questions around the COVID hardship initiatives introduced by the government and as such have been doing some research with our lenders and the ATO to work out if and how it will affect our clients loan applications. What we’ve found is that all banks and lenders will ask questions

Thinking of Building or Renovating? If you qualify, you could be $25k better off as of today!
The government has finally announced the details of the $25k Home Builder Grant and the eligibility criteria is as follows;
–   For New Homes – The value of the home should not exceed $750,000 including the land and construction

The short answer is yes “in some cases” but to answer this question accurately, there are probably a few more questions we should address first…

Which suburb are you buying is, and what is the type of property you’re looking at?

The reason this is important is because the “rental yield” (the measure of

If you have applied for finance recently, or even listened to the 6 o’clock news, you may have seen or heard that lending is getting tougher.
Whilst this is true, it isn’t necessarily as bad as it seems or sounds. The banks are still willing and able to lend, although they do need to ensure

Don’t worry… You’re not alone!

Starting a family and purchasing a home should be two of the most significant life-changing moments you will experience in your lifetime – especially if both are happening at the same time.

As much as you want to celebrate these huge milestones, you

Me – “2019 has been one of the craziest we’ve seen with the Royal Commission, Election, Protests across the world and even a fire destroying the Notre-Dame.. We’ve seen it all!”

COVID in 2020 – “Hold My Beer!”

Yes the 2020 financial year has certainly been a crazy

When it comes to paying off your home loan, time is key to reducing the amount of interest you pay, as well as ultimately reducing the life of your loan.
While buying a home of your own is the dream for most of us it also comes with the long term financial commitment of paying

Now that you’ve now caught up on all the Netflix series, online masterclasses and Instagram keeps telling you that “you’re all caught up”, deep inside you know, it’s time to work on your finances… But where should you start?!
If there has been a benefit to quarantine, it’s that we finally have time to do

Dear Valued Clients,
As the Easter long weekend draws to a close, many of our clients who would normally spend their time away with family and friends, have found time to sit and review their finances and look at what options they might have in front of them once the craziness of COVID-19 is over…