Is one phone call really all it takes to secure a lower interest rate?

With official interest rates trending downward, shrewd mortgage holders may take the opportunity to call their lender to ask for a better deal.

Interest RateMary Yannopoulos13 June 2019Skybridge Capitalloan, interest rates, interestComment

Can your profession save you on your home loan?

When it comes to saving on your mortgage, some of you may not have to look further than your job. If yours is a profession that classifies you as a ‘low risk’ borrower in the eyes of lenders, then you may be entitled to special discounts.

Interest Rate, LoanMary Yannopoulos30 May 2019Skybridge Capitalhome loan, Finance Broker, Mortgage, interest ratesComment

Why you need to know your interest rate

Interest rates are a big factor in each repayment and the total cost over the life of a loan, so staying on top of your current rate as well as the interest trends across the market is essential.

Finance BrokerMary Yannopoulos5 October 2018broker, mortgage broking, Finance Broker, finance, interest ratesComment

Case study: avoiding settlement penalties

Jarrod Harrison was well on his way to becoming a first-home owner when issues cropped up prior to settlement that threatened to cost him his deposit.

Finance Broker, Buying Home, Savingsnadia raicevich1 November 2017Mortgage, mortgage broking, penalty, interest repayment, interest rates, buying property, Property, penalty rates, lender, residential, settlementComment

A home of one's own

Are you flying solo and starting to think that buying a property will never be possible? There’s really no need to wait for a knight, or lady, in shining armour to come along, as securing finance on a single income does happen.

Finance Broker, mortgage, Buying Home, Investingnadia raicevich7 August 2017investing, investment, selling home, buying property, professionals, borrowing power, interest rates, Finance Broker, finance, Mortgage, mortgage brokingComment

Five simple ways to increase loan repayments

Paying off a mortgage can seem relentless – every payment counts of course, but it can seem to be taking forever to make a dent. Here are some simple ways you can increase the amount you pay off and own your home sooner.

Investing, Finance Broker, Interest Rate, Loan, mortgagenadia raicevich25 July 2017loan, Repayments, interest repayment, interest rates, costs, finance, Finance Broker, refinance, Mortgage, mortgage brokingComment

When Would I Refinance My Mortgage?

Whenever it makes financial sense to do so.

Heard about mortgage refinancing? In the past, most people who took out a mortgage doggedly continued with it until they had paid it off. These days, people refinance their mortgage much more frequently. The average duration of a home loan in Australia now is just 4-5 years. Here we look at some of the reasons people in Australia refinance their home loan.

Finance Broker, Interest Rate, Refinancingnadia raicevich18 July 2017refinance, refinancing, mortgage, mortgage broking, defaulted, rates, interest rates, interest repaymentComment

What are investment lending caps?

In an attempt to curb the high competition of the Australian housing market that locked out many would-be first home buyers, the Australian Prudential Regulation Authority (APRA) in late 2014 signalled its intention to keep a close eye on a suite of concerns, including the levels of residential lending to investors.

Investing, Lending, Finance Broker, Interest Ratenadia raicevich13 June 2017investment, investing, lender, lending, house, finance, Finance Broker, Mortgage, mortgage broking, interest rates Comment

Explainer: fixed-rate loans

With interest rates at an all-time low, taking the option of locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one.

Refinancing, mortgage, Finance Broker, Buying Home, Savings, Interest Ratenadia raicevich2 June 2017Mortgage, mortgage broking, Finance Broker, finance, rates, interest rates, interest repayment, broker, Property, buying propertyComment

How to avoid extra home loan fees

Exit and early termination fees can put the brakes on plans to sell, to refinance, and to renovate or purchase an investment property. Here’s how to avoid them from the start.

Investing, Refinancingnadia raicevich22 May 2017home, home loan, fees, broker, Finance Broker, rates, interest rates, investing, investment, propertyComment

How to buy a house when you have a HECS or HELP debt

Paying off your education is no reason to put off buying property.

Investing, mortgage, Savingsnadia raicevich18 May 2017university student, Loan, home loan, debt, loan, HECS, HELP debt, Finance Broker, finance, investment, residential, interest rates, interest repayment Comment

How to pay off your loan faster and save big bucks

Reducing the life of your loan isn’t difficult; there are many simple things you can do to cut years off your mortgage. Here are some tips that will help you be mortgage-free sooner than planned.

Finance Broker, Investingnadia raicevich26 April 2017home loan, Loan, Savings, interest rates, interest repayment, Repayments, mortgage broking, MortgageComment

Refinancing traps to avoid

Whether you’re after lower repayments or want to tap into the equity sitting in your home, refinancing can offer a world of benefits. Here are some things to be aware of so that you don’t find yourself hooked into a bad deal.

Finance Broker, Refinancingnadia raicevich3 April 2017refinancing, refinance, rates, fees, interest rates, Repayments, valuation, equityComment

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