Home Loans Articles

How to negotiate a better deal on property

While a better deal on a home is never guaranteed, let’s explore some of the options you may have to put yourself in a better position when choosing a property. 

How small business owners can get a home loan

If you’ve taken the leap of faith to start a small business then you’re no ordinary borrower, so an ordinary home loan may not suit your goals and needs. This is where an alternative home loan option may come in handy, such as a low doc home loan.

What home loan calculators exist to make life easier?

A home loan calculator can help you quickly estimate mortgage repayments, so you can work out if you can afford the loan on your household budget. But there are other online calculators available that could help you plan your household budget before applying for a mortgage.

How to save money with your home loan

You can still save money when you own a home? Sounds ludicrous but it is possible and highly recommendable to save for those rainy days, or much needed holiday. The good news is, you can save money by simply fixing your home loan.

Is there a right season to buy a new home?

Spring selling season, as it’s commonly referred to, is the time of year that typically sees an increase in homeowners listing their homes on the real estate market. But is this the best season to buy?

Are there fees for switching home loans?

Australian borrowers wanting a better home loan rate may be tempted to refinance their mortgage and switch to an offer from a competitor lender. But before you jump ship, make sure you check the fees, charges, and other costs that may be involved.

How to compare Australia's top home loan rates

It’s important to compare Australia’s top home loan rates before selecting a mortgage offer, and understanding how different rates, fees, features and other benefits could help you.

What is a flexible home loan and should you consider one?

Flexible home loans can offer you more than just your standard monthly mortgage repayments, so if you are looking for flexibility to match your forever changing lifestyle, consider a flexible home loan.

How do variable rate mortgages work?

Many Australian home loan deals offer variable interest rates. But how exactly do these variable rate home loans work, and what are the benefits and drawbacks compared to other mortgage options?

How much interest will you pay over the life of a home loan?

Interest charges are one of the most significant costs to consider when applying for a home loan. But how much could a home loan ultimately cost, and are there any ways to lower the total interest you’ll pay?

How to find your remaining loan term

You may be closer to the end of your loan term than you think so discover how to find your remaining loan term. Plus, there are steps that homeowners can take to shave years off their loan.

What's the difference between variable and fixed rate home loans?

Borrowers taking out home loans have a choice to make when it comes to their interest rates – variable or fixed? There are advantages and disadvantages to both of these options, as well as to choosing a split rate mortgage.

Where to get help choosing your home loan

It turns out there are a lot more mortgage choices available than just the home loan offered at your local bank branch. Working out the best mortgage option to suit your needs can be a challenge, so you may need a little help along the way.

When is the right time to switch to fixed interest rates?

Experts advise that when we near the end of the interest rate cycle that when it’s time to start fixing rates. But how do we know for sure that the right time is approaching?

How to use equity to buy investment property

Are you watching others around you build their property portfolios and wondering how to buy your own investment property without blowing all your savings? If you own a home, you could harness the power of your home equity to get a kick start.

What is a home loan package?

A home loan package may offer a variety of benefits – but it can come with a price. It’s worth understanding the advantages and risks of a home loan package before you sign on the dotted line. 

Selecting the right home loan

Let’s explore what factors are important to compare when searching for your best home loan option, and how to easily compare home loans and create a short list that suits your needs.

What is a fixed rate home loan?

Fixing your home loan interest rate can help keep your mortgage repayments stable and consistent for a limited time, for simpler budgeting and additional peace of mind. There are also other benefits to consider, along with a few risks, before you look at signing up for a fixed rate home loan.