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How do you compare: how much of your pay goes to your mortgage?

The property market is going through a boom phase, which means housing affordability is getting tougher. So how much does the....
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$15,000 HomeBuilder grant deadline fast approaching

Thinking of building, buying a new home or renovating? The HomeBuilder scheme ends on March 31, which means you’ve got less....
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Boom time: Australian home values surging at fastest pace in 17 years

It’s official: Australia’s housing market is in the midst of a broad-based boom, with the national home value surging 2.1%....
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“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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How long do you have to snap up a property in the current market?

You open up the real estate app on your phone, scroll through a few listings, and then there it is: the home of your dreams,....
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COVID-19 repayment amnesty over: how to avoid a bad credit rating

The COVID-19 loan deferral program and credit reporting amnesty is now over, which means banks will report any late repayments on....
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Fixed mortgage rates set to rise in coming months: experts

House prices could jump 17% in 2021 and mortgage rates are set to rise much sooner than expected, ANZ Bank has tipped.
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Blog 1100x733 pay cheque

How do you compare: how much of your pay goes to your mortgage?

The property market is going through a boom phase, which means housing affordability is getting tougher. So how much does the....
Read More >

Blog 1100x733 homebuilder deadline

$15,000 HomeBuilder grant deadline fast approaching

Thinking of building, buying a new home or renovating? The HomeBuilder scheme ends on March 31, which means you’ve got less....
Read More >

Blog 1100x733 7 ways sell property

7 ways to make your property more attractive to potential buyers

Did you know more than a third of Australian homeowners are considering putting their property up for sale so they can take....
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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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