Guides

If you’re looking to buy a new home, you need to consider what you’ll do with your current home. Should you sell first and then buy? Or buy first and sell later?

If you’re selling your property, paying off your home loan in full, or refinancing your home loan, you’ll need to complete a mortgage release or discharge form.

When you’re self-employed and can’t prove your income easily, low doc loans come to your rescue. Here are some tips on how you can choose the right low doc loan for you.

Also known as equity lines, lines of credit offer access to large sums of money, but come at the cost of paying interest. Still, you can make your line of credit work for you.

It’s prudent to ensure that you have the proper insurance if you want to buy a property in a flood-prone area. If you don’t, you may find it difficult to secure a home loan. We break down some key factors to consider

The key risks to consider, how much of a risk they really are and what you can do to manage the risk

In the world of buying and selling there are some generalist investment strategies, however, that will hold you in relatively good stead.

If you need to get pre-approved fast then certain lenders will be your best bet, but which ones and what else is important to consider

Auctions can be high drama or stress but there are ways to be successful or at least navigate the whole thing better

A very useful tool but important to do right so you don't end up paying a lot more in unwanted interest

What you can borrow and what you should borrow are very different numbers, a guide to understanding the difference and living within your means

A critical factor in borrowing power that is not immediately visible. Understand assessment rates and make sure you work with a broker who can help you navigate them

Lenders will often talk about genuine savings, what is it, when does it matter and can you work around it?

Australians’ laziness, loyalty and fear is costing the average home borrower who doesn’t switch more than $14,000. Our data shows potentially more than 60% of Australians fall into this category.

While New Zealand citizens can more easily buy property in Australia there is still a lot to consider. In this article we break down all the key considerations

Alright, so you've just taken on a new job and you're also thinking about getting a home loan. Most people would think this is a terrible time to be actually starting the process. But you might be surprised that there are actually lenders who fully understand that people change jobs even more so in today's society and that this is a very valid time of your life to be considering getting a property purchase or refinancing your loan. So the things to think about here are typically what lenders will be battling with is if you're still on probation, that's usually a challenge, or if you haven't got your first pay slip, that will be a challenge, or alternatively, if you're operating in a new industry, that potentially is a challenge as well.

So you're looking to buy a place and hoping your parents might tip in? There are absolutely options and ways to structure that, which can be beneficial to you and not too much of a risk for your parents, but it really is important to involve them in the process early on. Quite often we see a child or children who come to buy a place and they're looking to get help from their parents, and they're really not bringing the parents on the journey early so that the parents can step through the options, understand the pros and cons of either gifting you some money, giving you some money on a short term loan, or even using an existing property via what's called a "family pledge product". So if you're planning to buy a property and you're looking to enlist your parents' help, make sure you get them involved early, make sure you're bringing a UNO broker who can help you sort of step through the options and what the pros and cons of each are.