Buying land to build on later: what you need to know
You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan can be a handy finance....
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Do you really need a building inspection?
Your home is possibly the most valuable asset you will ever own. So it’s worth taking precautions to help ensure you buy a....
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Can we expect the RBA to cut back rates this summer?
With just one RBA rate decision left for 2024, homeowners may be holding onto hopes of a summer cut. We look at when rates may....
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Why three-in-four Aussies turn to a broker for home loan help
You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the....
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First home buyers turn to Bank of Nan and Pop
Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level:....
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What you should know before buying ‘subject to finance’
Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an....
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Property market climbs towards new peak
The property market has thumbed its nose at higher interest rates, with values rising almost 5% since March. Here’s why....
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Low deposit first home buyers now have $82,000 in equity
First home buyers who bought into the market using the federal government’s 5% deposit scheme have racked up $82,000 in home....
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Mortgage serviceability: how to jump through the hoops
Mortgage serviceability can feel like a frustrating hurdle to clear. But it’s an important safeguard against borrowing too....
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RBA attempts to beat back inflation with another rate hike, up to 4.10%
Drumroll … The RBA has hiked the official cash rate for the 12th time since April 2022, increasing it to 4.10%. How much will....
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Is the property market starting to rebound?
Navigating the Australian property market over the past year has felt like standing on shifting sands. But is the market starting....
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Property valuation: what you need to know when buying a home
When buying property, it’s good to know the market value. After all, you want to know you’re paying a fair amount. But the....
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The risk of underinsurance and over-insurance for mortgage protection
Your home or property may be your biggest financial asset.
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New communities – your check list
When you’re on the path to home ownership, it can feel that you need a doctorate in research techniques to navigate the volumes....
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INSURANCE IN SUPERANNUATION
key questions every client should ask their Financial Adviser about Insurance in Superannuation.
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LOAN STUDIO LEGENDARY
Loan Studio is a savvy team of experienced mortgage brokers who take the hard work out of arranging a loan. From our initial....
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Did you know… about property insurance between exchange and settlement?
Buying a property isn’t always a straightforward process, and one area that can cause confusion is the question of who is....
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Nathan Free Interview - Personal Insurance
In this interview, Nathan Free helps you to understand all about personal insurance.
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Now you own your data: the new world of 'open banking'™ explained
The promise of open banking is big; a new, simpler way to share your personal financial data between banks, lenders and financial....
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Back in Action: How long-term low interest rates could benefit your business
In late June, during an online panel discussion hosted by ANU's Crawford School of Public Policy, RBA Governor Philip Lowe said....
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Capital Gains: securing the finance your business needs
Whether you need funds to get a new enterprise off the ground or are looking for capital to take things to the next level, it's....
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A Simple Guide To Small Business loans
Most small businesses use finance when they're starting out. Access to finance can also help you manage your cash flow, cover....
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Mattresses, mortgage brokers and disappearing elephants
There are so many lenders out there and within those lenders are so many rates and types of loans, how does the average person....
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Why some interest-only borrowers are keen to switch
New government regulations mean interest-only loans are on the decline. Given the changes, it may be time to reconsider your own....
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Recent Q & A
How does a Broker get paid?
In most cases, a mortgage broker earns a one-time commission from the lender known as the ‘Upfront Commission’. The amount can vary from 0.50% to about 1%, depending on the type of mortgage they sell and what the lender is offering. If you sign a $300,000 mortgage, your....
Read More >How much of a deposit do I really need?
Nowadays, lending criteria from banks is stricter, and most lenders are generally willing to finance up to 95% (LVR) of a property’s value inclusive of any mortgage insurance (LMI) payable. As a rule, we recommend our clients save 10% of the property’s value, as this will....
Read More >Does Loan Studio handle the First Home Owners Grant (FHOG) for me?
Yes. At Loan Studio we have a specialist ‘FHOG Team’ headed up by Caryel Kandasamy to ensure all First Home Owners Grant and Progress Payments are processed accurately. Caryel and the team will manage all aspects of the FHOG application process and support you every step of....
Read More >What information do I need to provide you to obtain my finance?
Basically, it’s broken down into a few simple areas; Personal Identification – Driver’s License, Passports, Birth Certificate Income Documents – Pay slips, Tax Returns, Rental Statements Property – Rates Notice, Contract of Sale and insurance certificate Other....
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