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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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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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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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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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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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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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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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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FOMO factor: more Aussies looking to buy with mates or siblings
Are your cashflow needs in order ahead of the summer trading season?
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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