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Breaking the Chains: Urgent Call to APRA for Refinancing Relief

An appeal has been made to the Australian Prudential Regulation Authority (APRA) to relax the rules surrounding refinancing, as an estimated $141 billion worth of fixed-rate home loans are expiring in 2023. Expressing concerns over the impending expiration of...

Unpacking the 2023 Federal Budget

The budget that was announced on Tuesday night brought several wins for low-income earners, JobSeeker recipients, aged care workers, childcare, small businesses, and renters. In this budget, the government introduced several incentives and investments to support...

Breaking Down the Home Guarantee Scheme: How You Can Get Help Buying Your First Home

The Australian government introduced the Home Guarantee Scheme to help address housing affordability in Australia. It helps first home buyers who are struggling to save for a deposit and pay lenders mortgage insurance. The scheme allows eligible home buyers to...

Australian Inflation Rate Slows

According to the Australian Bureau of Statistics (ABS), inflation in Australia increased by 1.4% in the first quarter of 2023, or 7% annually. This is the lowest quarterly increase since December 2021. Although Consumer Price Index (CPI) prices continued to rise, many...

Apportioned Household Expenses With Non-Applicants

Did you know that there are lenders that will apportion a borrower's household expenses and shared existing commitments with a non-applicant spouse, which can help increase the borrowing capacity of the applicant? The lender will assess the borrower’s portion of any...

Strategies for Coping with Increasing Interest Rates and Declining Property Values  

Are higher interest rates a cause for concern? This article will provide guidance on how to overcome the challenges of higher mortgage rates and decreasing property values. We will provide you with valuable tips for navigating through the potential financial...

Take control of your financial future

The latest findings from Roy Morgan Research Institute (https://www.roymorgan.com/) reveal that ‘mortgage stress’ has hit a record high since April 2012, with almost a quarter of mortgage holders (24.9%) now ‘At Risk’. This means that an estimated 1.19 million...

Mortgage Stress on the Rise

New research from Roy Morgan shows an estimated 1.19 million mortgage holders (24.9%) were ‘At Risk’ of ‘mortgage stress’ in the three months to January 2023. If you're struggling to repay your home loan, here are some steps you can take: Contact your lender: The...

What happens when my fixed home loan expires?

When your fixed home loan term expires, your loan will typically revert to the lender's 'standard variable rate', which is often much higher than the fixed rate. This means that your monthly repayments will likely increase, as your interest rate will be higher. At the...

Need a faster way to refinance your home?

Need a faster way to refinance your home?  FASTRefi® is a streamlined refinancing solution that’s faster and simpler than the traditional process.  It enables lenders to fund the loan without a booked settlement, allowing you to gain access to your new loan in...
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