🏡 How Much Deposit Do I Really Need to Buy a Home in Melbourne in 2025?
If you’ve been thinking about buying your first home in Melbourne, you’ve probably asked yourself the golden question:“How much deposit do I need?” We hear it every day and the answer might surprise you. The idea that you must have a 20% deposit is one of the biggest myths we come across. The truth? Many […]
🤖🤝Why Smart Mortgage Advice Still Needs a Human Touch.
🤖 Why Smart Mortgage Advice Still Needs a Human Touch (Even in the Age of AI) In 2025, artificial intelligence is transforming nearly every industry and mortgage broking is no exception. From online calculators to automated loan comparison tools, it’s easier than ever to get quick information. But when it comes to making the ‘big […]
💳 What Is Your Credit Score – And Why Does It Matter for a Home Loan?
If you’re thinking about buying a home, your credit score could be the golden ticket – or the hidden handbrake – on your journey. So, what is it?Your credit score is a number between 0 and 1,200 that shows lenders how reliable you are with money. The higher the number, the better your chances of […]
🏠How Lisa’s $3,800 Credit Card Could’ve Haunted Her for 26 Years
🙍♀️Meet Lisa. Lisa’s a 34-year-old teacher living in Melbourne’s southeast. Like many Aussies, she got a credit card years ago to help manage unexpected expenses and the odd overseas trip. Fast forward to now – her card has a $5,000 limit, and she’s carrying a balance of $3,800.The kicker? Her interest rate is 17%, and she’s only been […]
🏠 Renting Out a Room Could Help You Secure Your Next Home Loan – Here’s How
With the cost of living in 2025 continuing to rise, more Aussies are choosing to rent a room rather than take on an entire house or apartment. It makes total sense, it’s more affordable, often more convenient, and let’s be honest, sometimes it’s just nice to have a bit of company around! If you’re thinking […]
Stop Comparing Your Home Loan to Your Friend’s – Here’s Why!
Interest rates are one of those things everyone seems to talk about. You might hear someone say, “I’ve got an amazing rate – only 5.7%!” Meanwhile, your other friend is on something in the 4% range because they locked in a few years ago, and your neighbour is convinced they’ve been robbed by the bank […]
Should You Make an Offer Before Auction? Here’s What You Need to Know:
Know If you’re pre-approved and eyeing a property heading to auction, you might wonder… Should you make an offer before auction day? The answer: it can work in your favour! Why It Can Be a Smart Move Auctions can be stressful, and bidding wars often push buyers over budget. Making a strong pre-auction offer can: […]
How You Can Get a Tax Break on Your Electric Vehicle (EV) Before It’s Too Late
Buying an electric vehicle (EV) doesn’t just help the environment, it could also save you money on taxes. Thanks to a government tax break introduced in 2022, more Australians are taking advantage of novated leases to make EV ownership more affordable. If you’re considering an EV and need finance, we work closely with a car […]
Interest Rate Cut: Are You Getting the Savings You Deserve?
If you haven’t checked your current interest rate or compared it to other lenders in the past 12 months, you could be paying thousands more in interest than necessary. A lower rate doesn’t just mean less interest paid over the life of your loan—it also means lower monthly repayments, putting more money back in your […]
The Secret to Financial Success: 7 Money Habits That Build Wealth #2
Most of us were never taught how to build wealth. Sure, we learned how to add up numbers in school, but no one sat us down and explained how everyday habits—both big and small—shape our financial future. Whether you’re earning a six-figure salary or just starting out, your money habits will determine where you end […]
