How To Save $81,000 in 30m

How To Save $81,000 in 30 minutes

There is no better time to refinance your home loan then right now. The current average household mortgage debt is $500,000. The average home loan rate is 4.63%. That means that the average current home loan repayment on a $500,000 mortgage is $2,573 Today, the best market rate is 2.19%. So the same home loan in today's ... More

Banks vs Brokers

I get asked this question a lot still to this day. "why should I should I see you instead of using a bank directly" The question is still valid and I am more than happy to discuss this question. The biggest difference that we see is the ruling that us brokers are bound by. That is we are bound by "best interest duty" which means ... More

ATTENTION $100 Gift Card Giveaway!

We’re giving a $100 gift card to our clients with every refinance that goes ahead in July It’s never been a better time to refinance. Rates are crazy low and we will save you thousands off your mortgage repayment! The refinance process only takes 5 super simple steps covered in this quick clip. Contact me now to claim your ... More

Why should I refinance?

Why should I refinance?

It surprises me when I meet a client for the first time and realise that they haven't even opened their home loan statement. What clients can fail to do is check just how much their home loan rate has increased year on year. It is the old place a "frog in hot water" example. What is that you ask? If you place a frog in ... More

Are you Burning Money each month?

Are you Burning Money each month?

I have been in finance now for the last 10 years. 7 working for someone and 3 and half year years working for myself. In this time I consistently see clients that have a home loan, a car loan, a personal loan and credit card debt. Surely not Tony? Surely they know there is a better way. Unfortunately, its true. And most of the ... More

Cheaper to Buy then Rent

Yes you read correctly! Right now, its currently cheaper to buy a property then it is to Rent in Victoria. Home Loan Rates are the lowest they have ever been which now makes it even easier to get into your own home. Add the current Government grants to the equation and it makes its even easier to get the keys to your own home. ... More

First Home buyers get grants of up to $45,000

First Home buyers are now offered grants of up to $45,000 to build new homes according to the new government scheme! That means that for First Home buyers looking in places such as Bacchus Marsh could get a grant of $45,000 with the first home buyers grant and pay $0 for stamp duty. If you are a first home buyer and you have ... More

Financing the 'GAP'

Financing the ‘GAP’ with an unsecured personal loan

Helping my clients successfully finance their home is truly an incredible feeling, but we all know it's getting harder and harder to do it. Cautious lenders and snail-like growth of customer incomes means you're working hard but the numbers are hardly working. According to Domain, nearly half of all home buyers need to source additional ... More

Is Rent Money Dead Money?

We have all heard the old saying... "Rent money is Dead money" I always believed this saying and just out of interest, i wanted to have a look at the market to check this theory. You know what I found? Complete evidence that the above information is not only evidence but disgustingly true! I mean no - I am not unhappy that there ... More

Interest-only investor loans up to 90% LVR

Interest-only investor loans up to 90% LVR

While this inst necessarily new news, more and more banks are opening up their floppy arms welcoming back interest-only investor loans. Is wasn't very long ago that all had seemed lost in this space... extra pressure from APRA to clear the Interest-only investor loans from the banks books only gave the banks a free ride to increase ... More