How 1-in-10 first home buyers cracked the market 4 years sooner
Almost 33,000 Australians bought their first home four years sooner thanks to two federal government schemes that give first home....
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Bar raised for borrowers: tougher home loan serviceability tests
Some borrowers will soon find it harder to get a mortgage after the banking regulator announced tougher serviceability tests for....
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Is a home loan lending crackdown on the horizon?
The federal treasurer has given the strongest indication yet that a home loan crackdown is coming, stating that “carefully....
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Top 5 property investor trends for 2021-22
With house prices going gangbusters in the first half of 2021, is it still a good time to buy property? The majority of investors....
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Are you too loyal for your own good? The banks think so
The average Australian homeowner is paying more than $37,000 in extra interest over the life of their home loan due to the....
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Refinancing figures are on a record-breaking run: here’s why
With interest rates at record low levels, the number of homeowners refinancing skyrocketed to an all-time high in July. Today....
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SME lending options are on the rise, but how do you access them?
While many SME owners worry about their access to finance, a surge of new lenders and products is rapidly expanding the options....
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Only half of SMEs have recently been able to secure full funding: report
Almost one-in-two SMEs have applied for new funding in the last six months, a new report has found, and of those SMEs only half....
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Are you too loyal for your own good? The banks think so
The average Australian homeowner is paying more than $37,000 in extra interest over the life of their home loan due to the....
Read More >
Refinancing figures are on a record-breaking run: here’s why
With interest rates at record low levels, the number of homeowners refinancing skyrocketed to an all-time high in July. Today....
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Nine in 10 FHBs trust brokers to help them buy their first property
Remember that classic TV ad: ‘nine out of 10 dentists recommend using [toothpaste brand]?’ Well, it turns out we’ve earned....
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SME Recovery Loan Scheme revamped to help more businesses
More small and medium-sized businesses struggling to stay afloat due to the economic impacts of COVID will have access to cheaper....
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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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