Homeowners refinancing in record-high numbers: explore your options
Homeowners in record-high numbers are taking advantage of reduced interest rates and competitive refinancing offers. Are you....
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Loan deferrals to be extended for customers who need extra breathing space
Home and business owners struggling financially due to COVID-19 will be given another four months to resume paying back their....
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Why you should care about the new ‘Open Banking’ era
‘Open Banking’ is now officially upon us. But what does that mean and why should you care? Well, in a nutshell, it’ll be....
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You might be closer to your first home deposit than you think
You’ve probably heard the federal government is giving $25,000 grants to eligible Australians looking to build or substantially....
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How the instant asset write-off applies to vehicles
Got your eye on a shiny new vehicle for your business thanks to the $150,000 instant asset write-off? We’ve got the answers to....
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Low rates, high risk? Is it time for first home buyers to enter the market?
With record low interest rates, a flattening housing market and repeated assertions from RBA governor Philip Lowe that a rates....
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Property ranked as ‘best investment option right now’ by experts: survey
You’ve heard the saying ‘safe as houses’, right? Well, it seems that old adage may ring true even in the current pandemic,....
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Baby, it's cold outside: easy renovation ideas for your home this winter
Wintry weather. COVID lockdown. If you've found yourself spending more time at home these last couple of months, you might be....
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Getting a Foot in the Door: What you need to know about the new HomeBuilder grant
As part of the economic response to the COVID-19 pandemic, the federal government's HomeBuilder program provides eligible....
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The top ten Australian suburbs to buy in post-COVID-19
We’re all looking forward to things eventually getting back to normal, or at least the “new normal”. And while it’s not....
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Towards 2019: What next for the housing market?
The Australian residential housing market has been highly variable this year, and we’ve seen some highlights as well as....
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Should you live in your house while you renovate
It can be tempting to stay in your home when you’re renovating, rather than spending money on rent. But is it really a good....
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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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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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Towards 2019: What next for the housing market?
The Australian residential housing market has been highly variable this year, and we’ve seen some highlights as well as....
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Refinancing - what you need to know
Confused about the ins and outs of mortgage refinancing? There are two key considerations when you’re looking at taking the....
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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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