Videos

Thinking of buying property with your partner, or navigating a separation? Discover how a Binding Financial Agreement (BFA), often called a prenup in Australia, can protect your assets, simplify separation property transfers, and help you avoid costly legal battles. In this insightful feature, UNO Home Loans’ Vincent talks with Ian Macleod from RP Emery & Associates about why more Australian couples are using private agreements to safeguard their financial future, and strengthen their relationships in the process.

Thinking about buying your first home or re-entering the property market? The updated Home Guarantee Scheme Australia is opening new doors in 2025 with no income caps, unlimited spots, and higher property thresholds. In this feature, we break down what the First Home Guarantee 2025 means, how it works alongside state incentives, and the key watch-outs every buyer should know. Whether you’re a business owner planning for your future or guiding your team through their own financial journeys, this is an essential read on the First Home Buyer Scheme reshaping the market. Subscribe to our Youtube Channel here - https://www.youtube.com/@UNOHomeLoans Run your own numbers online at https://app.unohomeloans.com.au/onboarding?referrer=social

Unlock smarter ways to fund your business with insights from UNO broker Nick Sharma. From non-bank lenders in Australia to becoming bank ready and matching loan terms to asset life, discover practical strategies every SME owner should know. Make informed finance decisions that fuel growth and protect your future. Subscribe to UNO Youtube Channel here - https://www.youtube.com/@UNOHomeLoans Run your own numbers online at https://app.unohomeloans.com.au/onboarding?referrer=social

Importance of PPOR in Home Loans and Property Buying PPOR, or principal place of residence, plays a crucial role in tax implications, stamp duties, and lending rates. Living in your main residence can exempt you from paying capital gains tax when selling the property. Additionally, it can affect the amount of stamp duty you need to pay, potentially reducing or eliminating it, especially for first-time home buyers. Moreover, declaring your property as your main residence can lead to more favorable lending terms, including lower interest rates and reduced lenders mortgage insurance costs. Understanding the implications of PPOR is essential for wealth generation and making informed decisions in property transactions.

Strategies for Paying Off Home Loan Faster The video discusses strategies for paying off a home loan faster without the typical sales pitch. It emphasizes basic mathematics as the key to reducing interest and paying off the mortgage quicker. Strategies mentioned include maintaining a smaller loan balance, using offsets, making extra repayments, and leveraging credit card payment cycles. Additionally, the concept of debt recycling is introduced, where non-deductible owner-occupied debt is transformed into investment debt by reinvesting returns. The video stresses the need for professional financial and tax advice when considering these strategies due to associated risks.

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

Discover the ins and outs of LVR (loan-to-value ratio) and LMI (lenders mortgage insurance) in this episode. Learn how your LVR affects the interest rates you're charged and when LMI is required. Explore strategies to reduce your LVR and avoid mortgage insurance, such as saving for an 80% deposit, receiving a gift from a friend or family member, or accessing equity through a family pledge. Find out how certain professions may be exempt from mortgage insurance and how LVR can impact the type of property you can buy. Tune in for expert insights from the Uno broker.

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.

Learn how to pay off your mortgage faster by making an extra $300 monthly repayment. By implementing these hacks, you can save up to $150,000 in interest and shorten your mortgage by six years.

Don't just default to getting an offset, you may not need it

Things not to do when you consolidate your debt to make it worthwhile

The maths behind comparison rates explained

How to help your children into their first home

Not all improvements are created equal, these ones are better for adding value

Dispelling the myth that you can't get a home loan when you start a new job

Some timeless thoughts on an age old question

Some of the things to think about if using your equity to buy property

How to navigate getting your parents help to buy your first home

Some critical aspects to consider if you're an expat looking for a home loan

Make sure you don't get the best rate but end up with a loan that costs you more in other areas

An insight on how borrowing power is calculated to help you improve yours

Find out why UNO in this short video

Why an Interest Only loan may not be right, even if you're an investor

Refinance with minimal effort using our online application

Guide to how much you can borrow

Use loanScore to find out if your current home loan is good or not

This one thing helps you get an advantage in the buying process