A typical loan application can be expected settle anywhere from about six to ten weeks, depending on the complexity of the application. But if we are being brutally honest, most applications are tending to settle ...

This week, as many commentators predicted, we once again saw the Reserve Bank of Australia lower the cash rate by 25 basis points to a record low 0.75%. In its statement, the RBA made the decision to ...

The landscape of home loans and mortgages can quite simply be described as rough terrain at best, with even the savviest customers often coming unstuck with it’s terminology and definitions. Here we have compiled ...

A light has recently been shone on the concept of financial abuse with the Australian Banking Association’s (ABA) new Banking Code of Practice focusing on a duty of care to those working with clients ...

A low interest rate is everything – or is it? Everybody knows that when you are shopping for a home loan what it all really comes down to is the rate. Right? Well, not necessarily, and ...

Its that time of year again, when its out with the old and in with the new when it comes to your finances. Whether you are ringing in the new financial year with a clear ...

It's no secret that property values have recently declined, with some locations and property types harder hit than others. If you have been keen to refinance to secure a better interest rate but have been ...

It's fair to say that banks are scrutinising loan applications more closely in the current lending climate, with income, expenditure and conduct of commitments being placed under the microscope with a lot more vigour than ...

Most economists predicted that we would see a decrease in the RBA cash rate this week, and indeed that’s what we saw with the new rate now being 1.25%. Its been almost two years since ...

Most people understand that the amount a lender will let you to borrow is affected by factors such as your income, current debts and how many dependents you have. All pretty standard, common sense stuff. ...

We heard today that the RBA has left the cash rate on hold for the 30th consecutive meeting in a row. Whilst most of us are curious to know the outcome of their meeting every ...

Its not uncommon to outgrow your first home or to simply want to upgrade. But to make the transition to one property to another is not always a straightforward undertaking, though it can be easier ...

Let’s be honest, its daunting for a first home buyer trying to enter the property market. A bare minimum home loan deposit will generally run into the tens of thousands and unless you are ...

Comprehensive Credit Reporting (CCR) is here, and most Australians are unaware of how it can affect their ability to get finance and that it will change the way their credit score is calculated. Historically, Australian ...

Part of the recommendations handed down in the Hayne Report for Banking Royal Commission have centred around how mortgage brokers are paid. Apart from the fact his findings were based on slew of inaccuracies and ...

Basic Home Loans Basic or “no-frills” home loans are just that, basic and without frills. But that’s not necessarily a bad thing. With this type of product all you are getting is a home ...

Data recently released by CoreLogic Business has determined that mortgage brokers are the preferred option for borrowers looking to obtain a home loan. In the September quarter of 2018 brokers settled 59.1 percent of all residential home ...

There’s a reason it is called the silly season and love it or hate it, it’s now well and truly upon us. Many of us will suffer from a financial hangover long after ...

The advertised or contract price of property being purchased is only the starting point when it comes to costs associated with a property purchase. Whilst the purchase price is certainly the largest cost you will ...

There was a time when lenders simply took your declared living expenses (for the most part) at face value, taking little time to delve particularly deep into where an applicant’s outgoings were being directed. ...

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