Documents your Broker will Need From You

Have you ever wondered what documents your Broker needs for your home loan?  If you have, then this is basically what we need. For all loans PAYG Applicants Your two most recent payslips Your last years PAYG Summary formerly known as a Group Certificate Self Employed Applicants Last 2 years personal income tax returns Last 2 years ATO Notices of...

Refinancing your Mortgage

Just like your health, it is important to regularly check up on your home loan to ensure that it is working for you to achieve your goals. If you don’t review your home loan you may be paying too much in interest or you may not be using the interest saving features of the loan to their full benefit. It...

FIRST HOME BUYERS

As a first home buyer, you may think it is a daunting process and you even be unsure as to what you have to do.  Well we are here to make the journey simple and enjoyable for you.  Here’s the steps to buying your first home: Deposit You will need a minimum 5% deposit and it must be genuinely saved. ...

Car Finance News

Whether you’re raising a growing family and need a reliable family car or you just want to buy that very special car for yourself, the budget never seems to far far enough. The great thing about getting us to help you organise your car finance, is that we can find ways to make it more affordable. We can do this...

How much can I borrow

“How much can I borrow” is normally the first question you ask yourself when you are wanting to purchase a property or seeking a change to your current loan structure. The amount you can borrow is determined by a number of factors. Whilst you cannot be 100% certain of what each lender will require, there are key considerations most lenders...

Why would you need to find Finance

WHY DO YOU NEED TO FIND A FINANCE SOLUTION FOR YOUR BUSINESS? There are several reasons why you may need to seek finance for your business.   Here are some reasons and available options: Cash Flow Fluctuations It’s important to analyse your cash flow because it is arguably the number one reason why businesses seek finance.  Some of the options available...

Mortgage Broker v Bank

MORTGAGE BROKER v BANK A large percentage of people head straight to their own (or nearest) bank when deciding to apply for a home loan. Most finance experts warn, if this is your strategy, you may be missing out on some significant benefits.  Did you know that 54% of home loans are written by mortgage brokers? There are countless reasons...

5 STEPS TO A SUCCESSFUL A BUSINESS LOAN APPLICATION

5 STEPS TO GETTING A BUSINESS LOAN Since the Global Financial Crisis of 2007, borrowing for small to medium businesses has become increasingly more difficult.  However, the key is to know how it is done to maximize the chances of success and to get the best terms. The following is a 5-step process you can take to maximize a successful...

HEM v CILE

DIFFERENCE BETWEEN HEM AND CILE Perhaps as a first home buyer or new investor you have been wondering why your finance broker goes into such detail about your living expenses.  Without boring you with all the requirements under the National Consumer Protection Act which governs the conduct of brokers, it is a requirement that we provide you with credit assistance...

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