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Blog 2019-02-10T06:51:46+00:00

All your COVID-19 questions answered

April 12th, 2020|Categories: Uncategorized|

If you’ve lost your job, or had your income effected due to the COVID-19 pandemic, you might be feeling unsure about what to do about your mortgage or your loan application. Should you put your repayments on hold? Are there and other options available to you? Maybe you had a pre-approval in the works, but now you're worried the lender might pull the rug out from under you. Or maybe you're just keen to get yourself in the best financial position possible as we ride this out. Whatever the case may be, a good mortgage broker is a really good bet [...]

How are the big banks helping in the face of COVID-19?

March 23rd, 2020|Categories: Uncategorized|

ANZ was the only major bank cut its variable home loan rates following the Reserve Bank of Australia’s emergency cash rate cut of 0.25% announced last Thursday. Effective March 27, ANZ will decrease its variable interest home loan rates by 0.15%. However, while the other majors didn’t reduce their variable home loan rates, each has announced significant COVID-19 support packages for small business and home loan customers. Here's a summary of what's available from each of the four major lenders at this point in time. CBA The bank will not change their variable home-loan rates. Instead, they have announced emergency measures [...]

How to mitigate your financial exposure to COVID-19

March 19th, 2020|Categories: Uncategorized|

Firstly, I hope you're doing OK. There's no denying it's a challenging time for all of us as we wade through this unchartered territory. With so much out of your hands, we urge you to focus on what you CAN control, with as much grace and gratitude as you can muster. While we're doing all we can to #flattenthecurve by working from home, conducting meetings online and otherwise social distancing,  we have put together a few ways that you can mitigate your exposure to COVID-19 financially speaking.  Speak with me ASAP if you are worried about your ability to repay your loan in the next 3-6 months.Understand [...]

Top 10 reasons for refinance

March 17th, 2020|Categories: Uncategorized|

I have been receiving a lot of refinancing enquiries lately so I thought I would update you on this particular topic and where all the banks are sitting after the last 4 rate cuts. You will see from the below summary they are all extremely similar so it's not always a case of rushing over to the fanciest deal you see online as there may be some hidden factors that should be considered. Here are the 10 main reasons people may refinance their home loan: Lower repaymentsLower their interest rateChange structure (e.g add offset account) Change product (change to investment loans) No longer [...]

Marriage and your mortgage: what to do when it doesn’t work out

February 11th, 2020|Categories: Uncategorized|

No one sets out on their relationship journey thinking they might one day get divorced, but its’s a scenario we are coming across more and more as clients approach us to refinance their loan in the case of a separation. We’ve all heard the phrase; “money can’t buy happiness” and it certainly rings true when we point to examples of marriage breakdowns of some of the richest people in the world. 2019 saw the worlds largest divorce settlement to date, with Amazon founder Jeff Bezos paying out $38b in his settlement with ex-wife Mackenzie. Closer to home, there are approximately 49,000 [...]

2019 in review

December 30th, 2019|Categories: Uncategorized|

2019 was a huge year for our business and the industry in many ways, and we know it was huge year for lots of our clients too. Dream homes were purchased, investment portfolios were bolstered and big projects embarked upon for many. For us, being a small part of the action for huge life events like this is why we continue to love every part of what we do. It's the personal stories, the personalities, hearing about your jobs, your kids and watching the glint in your eye as you tell us about the things you love. As we look towards [...]

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