Housing affordability best it’s been in a decade: report
Great news for homeowners and prospective buyers: housing affordability is at its best level in a decade and should continue to....
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Housing market confidence ‘booms’, cash rate cut expected
Consumer sentiment is surging, confidence in the housing market is booming, and the number of experts tipping a Melbourne Cup Day....
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Flow of credit to small businesses remains strong
Small business owners in need of credit will be buoyed by new data that shows the approval rate for loans has remained strong....
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HomeBuilder sparks surge in home loans, new builds and renos
Thousands of families across the country who had been thinking about a new build, or tackling an overdue renovation project, have....
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The First Home Loan Deposit Scheme is back; bigger and better!
The First Home Loan Deposit Scheme is back; bigger, better and more buyer-friendly than before. If you’re a first home buyer....
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Responsible lending laws to be axed: what that means for you
You might have recently heard that ‘responsible lending laws’ are set to be scrapped early next year. Rest assured though....
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Housing market confidence ‘booms’, cash rate cut expected
Consumer sentiment is surging, confidence in the housing market is booming, and the number of experts tipping a Melbourne Cup Day....
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Turbocharged instant asset write-off scheme unveiled
There was one big-ticket initiative in the federal budget that really caught our eye, and that was the turbocharged version of....
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JobKeeper 2.0 is about to begin: here’s what you need to know
Like most sequels, JobKeeper 2.0 won’t be as big a blockbuster as the original. But that’s not to say it won’t help many....
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Is now a good time to buy property? Two-thirds of investors say ‘yes’
The majority of property investors are remaining upbeat despite COVID-19, with 67% believing now is a good time to invest in....
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R U OK? We’re here for you, and here’s how you can support others
2020 hasn’t been an easy year for many Aussie households and businesses, which makes today an important one to check in on one....
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How to enter the property market with a $15,000 to $30,000 deposit
First home buyers are now breaking into the property market more than four years faster than they typically would thanks to a....
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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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