Home Loans Articles


5 tips for getting a home loan
5 tips for getting a home loan

It’s no secret that the Australian Government is tightening the finance sector’s belt, with the recent Royal Commission taking no prisoners (especially among the Big Banks).

As a result, lenders are under pressure to comply strictly with ASIC regulations, which means it may become harder for borrowers to take out a home loan... Continued

May 11, 2018 by Sarah Robinson

1 easy tip to help you save on your home loan
1 easy tip to help you save on your home loan

If you’re like most Aussies, the summer holidays are about hitting the beach and kicking back with friends and family. It’s also a time when spending increases.

Christmas presents, plus working out activities for the kids, takes its toll on the back pocket. And it’s no wonder people start to stress more about meeting mortgage repayments during this time... Continued

January 04, 2018 by Sarah Robinson

Are you wasting $70,000 on your home loan?
Are you wasting $70,000 on your home loan?

Most people realise that reviewing their home loan could result in savings. But exactly how much money could be saved by simply checking in to see what other loans are available on the market?

We spoke with Peter Taliangis, a Fremantle real estate agent who just recently partnered with Capita mortgage broker, Lukas Best... Continued

December 08, 2017 by Sarah Robinson

66% of Australians unaware of changes to credit score requirements
66% of Australians unaware of changes to credit score requirements

Credit rating bureau Experian has warned Australians that new credit card reporting requirements will allow lenders to view a greater volume of information relating to a borrower’s financial history.

In short, if you’re going for a loan, a potential lender can check out your background in more depth than ever before. And most Australians don’t even know these changes are on the horizon... Continued

March 18, 2017 by Sarah Robinson

Two-thirds of home loan owners ‘at risk’
Two-thirds of home loan owners ‘at risk’

Roy Morgan Research released a report this week about the risk dual income mortgagees’ face, when it comes to paying off their home loan.

The ‘State of the Nation- Spotlight on Finance Risk’ report stated that households, who rely heavily on two incomes to repay a home loan, are at potential risk of ‘mortgage-stress’... Continued

September 23, 2016 by Sarah Robinson

Why borrowers are choosing white-label home loans
Why borrowers are choosing white-label home loans

Leading Australian aggregator AFG has seen a significant increase in the volume of white-label loans written for residential borrowers in the past 12 months.

Across the board, residential home loans in Australia have nearly doubled in the past 5 years... Continued

September 09, 2016 by Sarah Robinson

How much should I earn to borrow $500 to $600,000?
How much should I earn to borrow $500 to $600,000?

We spotted this question on a well-known Australian finance forum recently, and thought we’d ask Capita General Manager and banker turned long term broker, Gill McLean, to answer it for us.

Of course, in the real world, borrowers have complex and unique circumstances that must be considered when determining how much they are eligible to borrow... Continued

August 26, 2016 by Sarah Robinson

Why robo-advice is not good home loan advice
Why robo-advice is not good home loan advice

An increasing number of ‘robo-advice’ home loan websites, which allow people to compare loans and then apply for finance online, have raised concerns for the mortgage broking community in Australia.

Here’s what you need to know... Continued

August 11, 2016 by Sarah Robinson

What happens if I default on a home loan?
What happens if I default on a home loan?

Many people, at some point in their lives, find it hard to repay their home loan. Luckily, there are steps you can take to make your own life easier during these difficult times.

Here is information that will help you understand what to do if you think you are going to default on your home loan... Continued

June 23, 2016 by Sarah Robinson

Innovative ways to save money on my home loan
Innovative ways to save money on my home loan

If you’re saving for a deposit, or simply want to save money to meet your mortgage repayments, it pays to think outside the box.

Here are our top 3 tips for saving money, so you can pay off your mortgage or get that deposit sooner... Continued

June 03, 2016 by Sarah Robinson



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