Buying

Is buying off the plan a good idea?

Buying off the plan can be a smart and affordable way to buy property. But with a looming oversupply of off-the-plan apartments, it also comes with potential risks.

Which mortgage features do I actually need?

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

The small detail stopping 4.1 million Aussies from getting a home loan

The self-employed – or gig economy workers – often struggle to get home loans. However, mortgage brokers and lenders say there is no reason why they can’t secure finance.

Refinancing

Rates, house prices and the Royal Commission: the year that was

It’s been a year of peaks and troughs for the Australian property market and today’s decision by the RBA to keep rates on hold at 1.50% is borne of a range of factors likely to shape the outcome of 2018.

Choosing the right investment property loan

Investment loans can be simple – like an owner-occupier mortgage, for example – or more complex, with features to help borrowers make effective use of tax and gearing. 

uno helped me pay for the renovations I’ve always wanted

Like many homeowners, Chris La Fou hadn’t considered refinancing his home loan. It wasn’t really something he knew about. After chatting to a uno home loan adviser, he was able to switch lenders and use the equity in his home to pay for renovations, a new car, and a trip to Hawaii with his mates.

Investing

How buyer’s agents can tilt the odds in your favour

There are a lot frustrated buyers out there, overwhelmed by selling agents’ tactics and sick of underquoting. Buyer’s agents exist to help these people.

Explaining assessment rates

You may assume that your lender uses their standard variable rate when figuring out your borrowing strength. This isn’t true. Instead, they’ll use an assessment rate to work out how much you can borrow.

What You Need to Know About Flood Insurance

It’s important to think about more than your home loan when buying a property. You also have to consider its susceptibility to natural disasters.