“On the cusp of a boom”: CBA’s assessment of the housing market
Australia’s housing market is on the “cusp of a boom”, with house prices set to leap 16% over the next two years, according....
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Back up for grabs: 1800 first home buyer scheme spots reissued
Great news just in for first home buyers: the Australian government will reissue 1800 First Home Loan Deposit Scheme (FHLDS)....
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House prices projected to jump 30% in three years: RBA
It’s the document that was never meant to see the light of day. But a Freedom of Information request reveals the Reserve Bank....
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New year, new you: 3 quick and easy finance resolutions
Whenever we think of New Year’s resolutions, the first thing that comes to mind is a health kick. But here are three (easy) New....
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Happy New Year! Here’s to a prosperous 2021!
Well, that was a year for the history books. Time to start looking forward, we reckon! And the good news is 2021 offers plenty of....
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Season’s Greetings! Bring on 2021!
To all our wonderful clients: this has been a year like no other, so we can only hope that you’re treated to a relaxing time....
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Tick tock – is time running out for first home buyers?
The first home buyer market had a bumper year in 2020 due to modest declines in property prices, reduced investor activity, and a....
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SME credit demand improves, lenders begin next phase of COVID-19 support
Things are starting to look better for small business owners across the country with just 5% of deferred business loans yet to....
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Record-breaking: 5 big property trends in 2021
After a bumpy 2020, 2021 is already rewriting the record books. From property prices, to interest rates, to refinancing – no....
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How did your suburb fare during the COVID-19 crisis?
When coronavirus broke out across Australia, doomsday reports tipped the property market could fall as far as 30% across the....
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How will your business bounce back from 2020?
If you’re worried about how to recover from the horror show that was 2020, you’re not alone. Two-thirds of Australian small....
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House prices projected to jump 30% in three years: RBA
It’s the document that was never meant to see the light of day. But a Freedom of Information request reveals the Reserve Bank....
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The risk of underinsurance and over-insurance for mortgage protection
Your home or property may be your biggest financial asset.
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New communities – your check list
When you’re on the path to home ownership, it can feel that you need a doctorate in research techniques to navigate the volumes....
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INSURANCE IN SUPERANNUATION
key questions every client should ask their Financial Adviser about Insurance in Superannuation.
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LOAN STUDIO LEGENDARY
Loan Studio is a savvy team of experienced mortgage brokers who take the hard work out of arranging a loan. From our initial....
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Did you know… about property insurance between exchange and settlement?
Buying a property isn’t always a straightforward process, and one area that can cause confusion is the question of who is....
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Nathan Free Interview - Personal Insurance
In this interview, Nathan Free helps you to understand all about personal insurance.
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Now you own your data: the new world of 'open banking'™ explained
The promise of open banking is big; a new, simpler way to share your personal financial data between banks, lenders and financial....
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Back in Action: How long-term low interest rates could benefit your business
In late June, during an online panel discussion hosted by ANU's Crawford School of Public Policy, RBA Governor Philip Lowe said....
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Capital Gains: securing the finance your business needs
Whether you need funds to get a new enterprise off the ground or are looking for capital to take things to the next level, it's....
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A Simple Guide To Small Business loans
Most small businesses use finance when they're starting out. Access to finance can also help you manage your cash flow, cover....
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Mattresses, mortgage brokers and disappearing elephants
There are so many lenders out there and within those lenders are so many rates and types of loans, how does the average person....
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Why some interest-only borrowers are keen to switch
New government regulations mean interest-only loans are on the decline. Given the changes, it may be time to reconsider your own....
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Recent Q & A
How does a Broker get paid?
In most cases, a mortgage broker earns a one-time commission from the lender known as the ‘Upfront Commission’. The amount can vary from 0.50% to about 1%, depending on the type of mortgage they sell and what the lender is offering. If you sign a $300,000 mortgage, your....
Read More >How much of a deposit do I really need?
Nowadays, lending criteria from banks is stricter, and most lenders are generally willing to finance up to 95% (LVR) of a property’s value inclusive of any mortgage insurance (LMI) payable. As a rule, we recommend our clients save 10% of the property’s value, as this will....
Read More >Does Loan Studio handle the First Home Owners Grant (FHOG) for me?
Yes. At Loan Studio we have a specialist ‘FHOG Team’ headed up by Caryel Kandasamy to ensure all First Home Owners Grant and Progress Payments are processed accurately. Caryel and the team will manage all aspects of the FHOG application process and support you every step of....
Read More >What information do I need to provide you to obtain my finance?
Basically, it’s broken down into a few simple areas; Personal Identification – Driver’s License, Passports, Birth Certificate Income Documents – Pay slips, Tax Returns, Rental Statements Property – Rates Notice, Contract of Sale and insurance certificate Other....
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