Blog 1100x733 loan values soar

Borrowing soars: average loan up almost $100,000 in 12 months

How much do you need to borrow to buy a typical Australian home these days? Well, the average loan size has increased....
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Blog 1100x733 record offset balances

Homeowners nearly four years ahead on their mortgage repayments

Australian homeowners are loading up their offset accounts in record amounts, so much so that the average household is now almost....
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2022 forecast: places where housing prices aren’t slowing down

National housing values grew 22.1% in 2021, and there are two capital cities and one region in particular that are not ready to....
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Blog 1100x733 new year 2022

Three (financial) New Year’s resolution ideas

Cut calories, increase your steps, abstain from alcohol: each year we set ourselves some pretty lofty New Year’s resolutions,....
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Season’s greetings! Here’s to a prosperous 2022!

To all our terrific clients: thank you for your ongoing support and for being such wonderful, loyal clients.
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Blog 1100x733 schemes reissued

Up to 4,600 first home buyer guarantees back up for grabs

Want to buy your first home with a deposit of just 5% and pay no lenders’ mortgage insurance? You could be in luck – the....
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Blog 1100x733 record offset balances

Homeowners nearly four years ahead on their mortgage repayments

Australian homeowners are loading up their offset accounts in record amounts, so much so that the average household is now almost....
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Blog 1100x733 cars 2021

What was Australia’s top-selling vehicle in 2021?

Some of us buy cars for work, others for play. So it’s no surprise that the top two cars in 2021 can do both. But which vehicle....
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Blog 1100x733 BNPL Christmas

Don’t drown in Buy Now Pay Later debt this Christmas

Christmas is fast approaching and there’s a good chance you’ve started turning your attention to gifts for family and....
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Blog 1100x733 fear debt

How many SMEs find it difficult to repay business loans?

Ever thought about taking out a loan for your business but hesitated because you were worried about meeting your repayments?....
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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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0053 BLOG 8 Did you know about property insurance between exchange and settlement

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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BLOG Why some interest only borrowers are keen to switch

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

From James

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....

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From Raj

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....

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From Sarah

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....

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From Kim

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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