Market Valuer vs Bank Value
Did you know there are two potential values for your property?
Unfortunately, many homeowners don’t understand the difference between a market value and a bank value – but it’s vitally important that they do.
In f…
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2025 review: rate cuts, record prices and the rise of the first-time buyer
After several tough years for borrowers, 2025 finally brought some relief! The Reserve Bank began trimming rates, property prices pushed to fresh highs (great for sellers), and policy changes reshaped the landscape fo…
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Offset accounts and split loans: How they work and when they save you money
What is an offset account?
Offset accounts are like everyday savings accounts, and you can access them any time. But there’s one key difference – offset accounts are linked to your home loan. So, the funds in this …
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Serviceability vs. affordability – What’s the difference and how does it affect me?
Many medium- to high-income earners believe that when they apply for a home loan there will be no trouble getting it approved. Often this is the case.
But sometimes this isn’t necessarily the case because lenders a…
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Why three quality properties beat thirty average ones
The property industry loves a success story. You know the type: someone goes from zero assets to 10, 20, even 30 properties in a few short years. The media eats it up, buyers’ agents use it as marketing gold, and befo…
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Why winter is still a great time to sell – and buy – property
Conventional wisdom tells us that spring is the best season for real estate. Flowers bloom, lawns are green, and the market emerges from a long hibernation.
But we believe that notion is beyond outdated. Winter doe…
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Step-by-step guide: Securing your first home loan with a Melbourne broker
1. Hold your horses
When you’ve made the decision to buy your first home, it’s tempting to race off and start scrolling through listing websites to find the perfect property. But wait. There are some important thin…
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Do mortgage brokers charge a fee
Mortgage brokers are key members of your property team when buying a home or investment. However, understanding the cost of a mortgage broker and the way they add value remains a mystery to some borrowers.
I’ve pulle…
