Blog 1100x733 Subject to Finance 2024

What you should know before buying ‘subject to finance’

Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an....
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Blog 1100x733 federal budget 2024

Not feeling the budget love? 4 ways you could still get ahead

If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm....
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Blog 1100x733 Low Deposit 2024

Low deposit scheme helps over 150,000 families buy sooner

Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue –....
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Blog 1100x733 Tax Cuts 2024

Here’s why your borrowing power might soon get a lift

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in....
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Blog 1100x733 Fair Price 2024

How to know if you’re paying a fair price

We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a....
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Blog 1100x733 Forget Rate 2024

Can you remember your home loan interest rate?

Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name –....
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Blog 1100x733 Property New Peak

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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Blog 1100x733 HGS equity

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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Blog 1100x733 Serviceability

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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Blog 1100x733 June Hike

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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Blog 1100x733 Rebound

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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Blog 1100x733 Property valuation

Property valuation: what you need to know when buying a home

When buying property, it’s good to know the market value. After all, you want to know you’re paying a fair amount. But the....
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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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