Welcome back! Home lending jumps as first home buyers return
Here’s some warming news for winter – first home buyers are making a welcome return to the property market. Several factors....
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Australian home price average tops $1 million
Property values nationally have passed a major milestone with the average home price pushing through the $1 million mark for the....
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How you could boost your home’s value by $118,000 (and save on bills)
With winter temps falling, chances are your power bills will rise. This helps explain why buyers are willing to pay 14% extra for....
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Plot twist: home owners keep repayments on hold as rates fall
Despite two much-awaited rate cuts this year, plenty of Australian households are keeping their mortgage repayments on hold –....
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RBA cuts the cash rate for the second time this year to 3.85%
Australian borrowers have received another reprieve with the Reserve Bank of Australia (RBA) today cutting the cash rate by 25....
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Fact or fiction: do property values double every 10 years?
It’s a common belief that real estate values double every decade. But is this true? New research reveals how much home values....
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Fact or fiction: do property values double every 10 years?
It’s a common belief that real estate values double every decade. But is this true? New research reveals how much home values....
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Property market climbs towards new peak
The property market has thumbed its nose at higher interest rates, with values rising almost 5% since March. Here’s why....
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Low deposit first home buyers now have $82,000 in equity
First home buyers who bought into the market using the federal government’s 5% deposit scheme have racked up $82,000 in home....
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Mortgage serviceability: how to jump through the hoops
Mortgage serviceability can feel like a frustrating hurdle to clear. But it’s an important safeguard against borrowing too....
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RBA attempts to beat back inflation with another rate hike, up to 4.10%
Drumroll … The RBA has hiked the official cash rate for the 12th time since April 2022, increasing it to 4.10%. How much will....
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Is the property market starting to rebound?
Navigating the Australian property market over the past year has felt like standing on shifting sands. But is the market starting....
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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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