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Big Bank or Small? Which One Should You Choose?

Big Bank or Small? Which One Should You Choose?

The easy part of getting a new home is often finding it. That’s not that hard. It is the decision of which home loan bank to lend from that is a little bit harder. Should you lend from one of the big banks or is a smaller bank a better option? At the end of [...]
How to Avoid Home Loan Repayment Stress

How to Avoid Home Loan Repayment Stress

As the cost of living continues to rise, more people are finding themselves suffering from monthly loan repayment stress. A January 2019 report by Digital Finance Analytics found that 31% of owner occupied households are suffering from home loan stress. In this article we get an understanding of what loan stress means and how we [...]
What is a Mortgage Broker?

What is a Mortgage Broker?

There are a number of ways you can get a home loan. But using a Mortgage Broker has got to be the easiest. Here’s why. The first option you have when securing your new home loan is to travel to each bank, get brochures, talk to the bank’s home loan managers, review your finances, compare [...]
How to Cut Years Off Your Home Loan

How to Cut Years Off Your Home Loan

Cutting years off your home loan is not impossible. The banking industry is a competitive market. Refinancing is a common approach to reducing the loan term, however this doesn’t necessarily mean you have to switch banks to get better terms. So it’s worth reviewing your home loan with your current bank first to see if [...]
How Banks Decide How Much You Can Borrow

How Banks Decide How Much You Can Borrow

When you apply for a home loan, banks will assess you on a number of different things to work out how much they will lend you. But what information do they use in deciding the final loan amount? Here is a little bit of insight into the analysis that banks do when they calculate your [...]
Can I Save for a Home Loan Deposit and Still Enjoy Life?

Can I Save for a Home Loan Deposit and Still Enjoy Life?

A decent size deposit for your home loan is an important factor considered by most banks. We know it’s important but does that mean it’s the end of fun and a social life while we’re saving? With the right attitude, it doesn’t have to be. Saving for a home loan deposit seems like a boring [...]