5% is all you need.

5% is all you need

Yes you read that correctly... If you are a first home buyer and looking to do a house and land package then now is the time to act because all you now need is a 5% deposit. During the federal budget, the Federal Government released a further 10,000 spots to Australian citizens looking to do house and land package under the FHLDS. ... 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

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

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


bad credit? Is it a total barrier to a home loan?

Your finances can get a bit out of control sometimes, for all sorts of reasons. Illness, divorce, redundancy – sometimes, just getting overwhelmed with things to do and accidentally missing a bill payment. The end result can be that you get put in the bad credit basket. Even if you sort it out and pay the overdue bills or fix up a default ... More

Reserve Bank and Debt stress

RBA Cash Rate Remain’s the same…. Again!

The Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5%. That is now two years since the last cash rate move. I'd like to share the recent rate announcement and my thoughts on why the Reserve Bank of Australia has made this decision. With a combination of factors including very low wages growth, ... More

Purchasing your first home? Know the 'concealed' expenses

Purchasing your first home? Know the ‘concealed’ expenses

To start with home purchasers feel sufficiently anxious wandering into the property showcase. They have a premonition they have to spare a store for their home – yet what else is included? Property is huge business, which implies enormous directions. Huge controls implies paying somebody – or a group of individuals – to explore the ... More