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If you’re looking to take control of your superannuation and invest in property, Self Managed Super Funds (SMSFs) might be the perfect vehicle. SMSF loans enable you to leverage your super balance to purchase property, but they come with specific rules and considerations. Financial expert Werner Jansen from Financial Purpose recently shared his insights on the UNO Home Loans podcast. Let’s explore what you need to know about SMSF loans and how to get started.

Learn what it is, how to calculate it why it matters, what good looks like and how to improve it (and what you can't do!)

You’ve no doubt heard of stamp duty – but how much is it going to cost you? We’ve compiled a comprehensive list of answers to your stamp duty questions.

Are you a New Zealander thinking about buying property across the ditch? Whether investing in Australian property from New Zealand or buying a new home to move to Australia, both are possible.

Are you searching for a trusted mortgage broker in Richmond who understands your unique financial goals? Meet Mark Linnane, a seasoned mortgage broker at UNO Home Loans with over 40 years of experience in the finance industry. With a dedicated focus on helping clients secure the best loan options and achieve homeownership, Mark has built a solid reputation through personalized service and commitment to excellence.

First home buyer Victoria: your guide to FHOG / first home buyers grant, stamp duty concessions/exemptions, and more.

Rentvesting Australia: the property strategy that could help you own a home sooner. Everything you need to know.

NSW new land tax vs stamp duty scheme - which is better?

Lenders use your credit score to assess your mortgage application. Your credit score is based on your credit file and information you provide in your application. It will vary from lender to lender, according to their loan criteria.

Mortgages come with many variables, but with a mortgage calculator you can factor in all the numbers. Discover the impact of interest rates, term length, and more on your home loan.

A long form guide with a lot of practical information on what to consider if you are thinking to buy an investment property

If you're seeking a mortgage broker in Parramatta with deep expertise and a proven track record in commercial and residential finance, Scott Wilkinson at UNO Home Loans is here to support you. With 17 years in the finance and banking industry, Scott combines his knowledge and dedication to offer a comprehensive, one-stop solution for all your personal and business finance needs.

Discover how you can access Western Australia’s $10,000 First Home Owner Grant to help buy or build your first home. Learn the eligibility requirements, transaction types, and residence conditions to see if you qualify for this valuable support.

Looking to buy or build your first home in the Northern Territory? Discover how the NT’s HomeGrown Territory Grant can provide up to $50,000 to help make your homeownership dreams a reality.

The South Australia First Home Owner Grant (FHOG) offers financial support for first-time homebuyers who meet specific eligibility criteria, including citizenship and residency requirements. Apply through an Approved Agent or directly with RevenueSA to receive your grant upon settlement or progress payments.

Your HECS/HELP debt may influence your borrowing power for a home loan, but with the right planning, it doesn't have to hold you back. By understanding its impact on your Net Disposable Income (NDI), you can approach your loan application with confidence and a clear strategy.

The NSW First Home Owner Grant (FHOG) provides you with a one-off $10,000 financial boost to help purchase a new or substantially renovated home. To qualify, you must meet specific eligibility criteria, including residency requirements and property value limits, making your dream of homeownership in New South Wales more attainable.

Unlock your dream of homeownership in Queensland with the First Home Owner Grant, offering eligible first-time buyers up to $30,000 towards a new home. Contact a UNO broker today for expert guidance on navigating your application and making your first home a reality!

Kickstart your homeownership journey with the Victoria First Home Owner Grant, providing eligible first-time buyers $10,000 for new homes valued up to $750,000. Make sure you meet the eligibility criteria and reach out to a UNO Broker for expert assistance!

If you’re a first-home buyer in Western Australia, you could benefit from stamp duty concessions that can lower your costs when purchasing new or established homes and vacant land. Meeting the eligibility criteria allows you to save on stamp duty, giving you a larger deposit, a reduced Loan-to-Value Ratio (LVR), and access to more competitive mortgage rates.

If you're a first-home buyer in the Australian Capital Territory, discover how you can take advantage of stamp duty concessions that may reduce or even eliminate your stamp duty obligations. Explore the current rates and eligibility criteria to maximise your savings and make your home-buying experience more affordable.

Co-living property investment: a great positive cash flow investment strategy. Everything you need to know.

First-home buyers in Victoria can benefit from stamp duty exemptions for properties up to $600,000 and concessions for homes valued between $600,000 and $750,000. These savings can boost your deposit and help you avoid Lenders Mortgage Insurance (LMI). Learn how to reduce upfront costs and maximise savings when purchasing your first home.

First home buyers in South Australia can access a full exemption from stamp duty for contracts signed after 6 June 2024. This guide details eligibility criteria and qualifying properties, including new homes and off-the-plan apartments. Take advantage of these concessions to increase your deposit, save on lenders mortgage insurance, and enhance your borrowing power. Contact a UNO broker for expert assistance!

Discover how first-home buyers in Tasmania can benefit from a full stamp duty exemption on established homes valued up to $750,000 between 18 February 2024 and 30 June 2026. Learn the eligibility requirements, property exclusions, and how saving on stamp duty can boost your deposit, help you avoid lenders mortgage insurance (LMI), and secure better mortgage rates. Explore how this exemption can make your homeownership journey more affordable.

As a first home buyer in Queensland, you can take advantage of stamp duty concessions that significantly reduce your costs when purchasing a property. If you’re buying a new or existing home valued at up to $800,000 or vacant land up to $500,000, you may qualify for reduced rates, saving you thousands.

New Zealand home buyers on a 444 visa can avoid LMI with the First Home Guarantee, saving thousands on their Australian property purchase.

First home buyers in NSW can benefit from stamp duty concessions. Homes valued up to $800,000 qualify for a full exemption, while properties between $800,000 and $1,000,000 receive a reduced rate. If buying vacant land, there’s a full exemption for land up to $350,000 and concessions for land valued between $350,000 and $450,000. Learn how these savings can reduce your property costs, and contact a UNO broker for expert guidance.

Get expert guidance from Eren Tan, a UNO mortgage broker, on navigating first home buyer grants and government guarantees to secure your dream home with as little as a 5% deposit.

Looking for a trusted mortgage broker in Perth? Andrew Wyers offers expert guidance, competitive loan options, and personalized service to help you achieve your property goals, whether you're a first-time buyer or seasoned investor.

Capital Gains Tax (CGT) is a key consideration for property investors. But what exactly is it, and how can you reduce the amount you need to pay?

A mortgage broker helps borrowers in Australia find and secure the best home loan by offering access to a wide range of lenders, providing personalized advice, and negotiating favorable terms. They simplify the loan application process, saving clients time and money, while tailoring loan solutions to fit individual financial situations. Mortgage brokers also offer ongoing support, ensuring clients have the right loan for their needs in today’s competitive property market.

A finance broker helps clients in Australia find and secure the best loan by providing access to multiple lenders, offering tailored advice, and negotiating favorable terms. They simplify the loan process, saving time and money while offering ongoing support.

Trusted Mortgage Broker in Melbourne | Eren Tan | Home Loan Solutions, Fast Approvals, & Expert Advice

Everything you ever needed to know to have a stress free house move - includes a printable checklist and countless hacks and tips

Setting up your own self managed super-fund to invest in real estate may be a really tax-effective investment strategy for you and your partner. We know that this form of investment is still gaining in popularity, with more & more lenders offering loan products specifically designed for this type of purchase. As it has its own level of complexity, you need an experienced mortgage professional who can steer you through all the confusing industry jargon & recommend the best & most suitable loan product that meets your needs, goals & objectives.

Homebuilding is not just about constructing walls and a roof; it’s about creating a space that reflects your vision and meets your family’s needs. And while the process of building your dream home should be filled with excitement and anticipation, it’s often fraught with complexities and stress instead. From the initial design stages to the final handover, various factors can derail your project – including construction delays, design errors, and unexpected costs. To ensure a smooth homebuilding journey, you must proactively identify and address these potential roadblocks. This is where a reliable construction consultant can help.

Learn three actionable strategies to pay off your home loan faster without falling into sales traps. Discover the basics of reducing your loan balance, the concept of debt recycling for converting non-deductible debt to investment debt, and how leveraging equity to buy investment properties can accelerate mortgage payoff. While these methods come with their own risks and considerations, this episode provides a fundamental understanding to help you make informed financial decisions. Save time and get savvy about managing your home loan efficiently.

Importance of PPOR in Home Loans and Property Buying

Discover an alternative to mortgage insurance with Own Home. By providing a loan to cover the balance of your deposit, Own Home allows you to avoid paying lenders mortgage insurance. This option is especially beneficial for first-time homebuyers who may not have a 20% deposit. With Own Home, you can buy a home sooner, potentially saving money as property prices rise. Plus, they provide a buyer's agent to assist you in finding the perfect property. Unlock cheaper interest rates and make your homeownership dreams a reality with Own Home.

Discover the best way to determine if you're getting a great deal on your home loan. In this episode, the host introduces a new formula that focuses on the total cost of the loan over a three-year period, including interest, fees, and insurance. Learn why this approach is more valuable than just looking at interest rates and comparison rates. If you want to make an informed decision about your home loan, tune in and talk to a home loan broker.

Everything you might want to know or consider around refinancing including why, how, doing it well (and badly), the process and more. Completely free, no sign up required to access this guide.

Decoding the complexities of mortgage and property purchasing, Loan to Value Ratio (LVR) and Lenders Mortgage Insurance (LMI) are two pivotal elements. Obtaining a grasp on both can significantly affect the price of borrowing, opportunities for savings, and property acquisition choices. This article will dissect the intricacies of LVR and LMI, providing a deeper look at these concepts beyond their standard definitions.

Learn how to pay off your mortgage faster by making an extra $300 monthly repayment. Automating the process and aligning your pay cycle with your mortgage cycle can make it easier. Other strategies include asking for a pay rise, doing extra work like driving for Uber, consolidating debt, delaying major purchases, cost-effective spending patterns, cooking at home, reducing meat and seafood consumption, cutting back on pub visits, and buying secondhand items. By implementing these hacks, you can save up to $150,000 in interest and shorten your mortgage by six years.

Learn all about mortgage offsets in this episode. Discover what offsets are, how they work, and when to consider getting one. Find out why offsets may not be suitable for everyone and how they can actually slow down loan repayment. Get tips on using offsets effectively, including combining them with interest-free credit cards. Whether you're a homeowner or looking to get a mortgage, this episode will help you make informed decisions. Tune in to Uno Broker for expert advice on offsets and mortgages.

Whilst low and no deposit loans are expensive and largely unavailable there are newer options that do away with expensive LMI and spending years saving for a deposit, but they aren't for everyone.

Get UNO Active Home Loan Management.

Get a free check-up for your home loan with loanScore. It helps you understand how close your loan is to a good deal.

When you refinance your loan to consolidate debt, it’s usually to save money. You may be paying off a personal loan, car loan and multiple credit cards on top of your home loan – and paying different rates of interest on all of them.

Split home loans combine fixed and variable portions of a loan to offer you the best of both worlds.

Find out how much your loan repayments would be using our calculator below. We’ve also compiled a definitive list of answers to your most pressing home loan questions.

First home owners grant western australia 2023: everything you need to know about FHOG, stamp duty concessions, and more.

When it comes to home ownership, we hear a lot about Millennials unable to save for a house deposit and spending their days gorging on avocados. But some Baby Boomers don’t have it so easy either.

Investment property costs - ultimate guide to upfront and ongoing expenses including LMI, capital gains, stamp duty and more.

Investment property research: how understanding data can provide you with insights

Shared equity schemes can help first buyers get into their own homes sooner. But what are they, and how do they work?

Borrower requirements are diverse, so a feature that provides flexibility and choice for one mortgage holder may be an unnecessary cost to another.

One of the major hurdles to buying property in Australia for first home buyers is the cost of stamp duty, which, depending on where you’re buying, often seems almost as much as the amount you’ll need to save for the deposit.

What happens after my fixed rate mortgage ends? Explore your options for end of fixed terms, including re-fixing, refinancing, unlocking your loanScore and more

How UNO helped Aussie expat Trent navigate buying an investment property from abroad

NSW first home buyer concessions: your ultimate guide to first home owners grants, land tax, stamp duty exemptions, first home buyer choice, and more.

UNO's guide to SMSF investment properties

Whether refinancing or taking out a home loan for the first time, acquiring a competitive rate could save you thousands of dollars. But should you go fixed, variable, or even a combination of the two?

Thinking about buying or selling a property off-market? Off-market properties are properties for sale that aren’t advertised to the public.

NZ Citizens can use KiwiSaver to buy a first home, but what about Australian property? Here's everything you need to know

Becoming a landlord can help you earn income to repay your investment home loan, however many new landlords miss out on the tax deductions they can claim.

Home loans from digital lenders are a popular option for home buyers looking for an alternative to traditional banks.

Victorian mother-of-two, Megan, and her husband, Chris, recently achieved financial freedom, paying off their mortgage at the age of 35 – just 13 years after buying their home.

The owners of investment homes and apartments are potentially facing a double whammy from the coronavirus crisis. Not only are their tenants possibly facing hardship, affecting their ability to meet rent payments, investors’ themselves may face income declines thanks to the crisis.

Australia’s economic chief is encouraging home mortgage holders to ask their bank for a better home loan deal or find a new bank. In a recent speech, Reserve Bank of Australia governor Philip Lowe said he’s very pleased to see that more people are switching banks to get lower mortgage interest rates.

A part-time job won’t preclude you from getting a home loan. You’ll just need to meet some specific criteria. Find out how lenders look at people working part-time and what you can do to improve your chances of getting a loan.

Too many credit enquiries could impact your credit score and prevent you getting approved for a home loan product.

You don’t need to struggle along on your own to save a deposit for a home loan. A guarantor can grease the wheels. You could even get a 105% home loan in the right circumstances.

Calculate the benefit of a principal and interest loan over an interest-only loan for your investment property.

Bad credit affects more than the irresponsible. Bad credit can happen to anyone. Here’s how bad credit scores work, and how your score can affect your property purchase.

UNO fields questions about the First Home Owners Grant on a daily basis. Here, we break down the six most common questions we get asked, and answer them for you.

The idea of a mortgage holiday might sound attractive – who wouldn’t like a break from paying off their home loan? But this could turn into a sticky situation.

It’s bad news for the homeowner when a property enters foreclosure. However, it could mean good news for you, if you can bag a bargain. But there are some things you must keep in mind.

About to take the plunge on a home loan? This handy guide helps you prepare an application without destroying your credit score

An Automated Valuation Model (AVM) is an algorithm which uses statistical methods to value properties. An AVM is an estimate and should not be confused with a valuation from a registered property valuer.

UNO is not a comparison site but an Online Mortgage Broker. While we provide some tooling that you might see on a comparison site there are range of critical differences

We will need certain documents from you to recommend home loans and complete your application, including pay slips, bank statements and tax return documents.

An Expert Review is required so that we can help you choose the a home loan that meets your needs. A review gives our experts the chance to analyse your home loan shortlist and financial situation and recommend products that suit your circumstances.