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Senior economist Diana Mousina answers our questions on potential interest rate changes and what it could mean for Aussie households. Why have interest rates been so low for so long? The main reason interest rates have been kept so low is the Reserve Bank of Australia undershooting on its inflation target of 2-3%. We haven’t...Read More

If your New Year goals include buying your first home, even though you’re finding it impossible to save for that ever-increasing deposit, you’re not alone. Many people ask us if they can get a home loan with zero or a very small deposit. The answer is a qualified ‘yes’. As always, it depends on your...Read More

When was the last time you looked closely at your loan, the progress you are making on paying it off and how it compares to others in the market? Analysing your mortgage could mean savings for you, as well as the opportunity to pay it off more quickly, invest in other assets or reach financial...Read More

Every homeowner loves the idea of becoming mortgage-free faster and paying less interest in the lead up to that landmark event. Fortunately, there are some easy steps you can take to get there sooner - whether you’ve just got your first home loan, want to increase your property equity or become mortgage-free as soon as...Read More

If you’re about to buy your first property, the upfront and ongoing costs are only part of what you need to know. Buying a home could be one of the biggest purchases you ever make. With that in mind, here are nine helpful hints if you’re considering getting into the property market. 1. Investigate the...Read More

If you’re ready to step onto the property ladder, the first thing you’ll need is a deposit. But exactly how much you’ll need to save will depend on a few factors, including what you can afford to borrow and how much your ideal property costs. Your overall financial situation, and in particular, your income and...Read More

If you are surprised at how prices in cities and regional areas have risen even in the face of the social and economic havoc caused by COVID-19, you’re not alone. If you are thinking of buying property, you may even be a little concerned about what the current property market means for your buying decisions.  Is timing everything, or is time in the market more important? Whether you’re a first...Read More

If you’re going to balance the future of your home or property on someone’s reliability to pay their own mortgage, make sure you’re across the risks. Nearly 40% of Aussies said it took them between two and five years to save for a deposit on a home, while 25% said it took them between five...Read More

The array of mortgages available helps a good finance broker to tailor a package to suit your needs. Here are just some of the options. Fixed-rate mortgages With a fixed-rate loan, you know exactly how much you’ll pay per fortnight or month for the fixed period of the loan (usually one to five years). Variable...Read More

Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing this can help you negotiate better deals, or understand why a lender rejected you. Your credit score is based on personal and financial information about you that's kept in your credit report. You can access...Read More