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The popularity of low doc loans appears to be rising. And with nearly 7 million people* calling regional Australia home, we have chosen to focus this week’s blog on how to get a low doc loan on a rural property.

Let’s start with the basics... Continued

If you’re in the market for a home loan, you may have heard that some lenders are happy to accept a deposit as low as 5%.

That means you may just be able to borrow up to 95% of the value of a property. Of course, borrowing more comes with greater risk... Continued

A common thread making the rounds on online forums at the moment is, ‘do I have a chance of getting a home loan?’

As you’d expect, the people asking this question tend to be self-employed, sole income earners or have just started a new job and have only a short history of paychecks... Continued

On the back of home loan deposits in Australia dropping to record lows, we’re asking the question, ‘is a low home loan deposit good or bad’? We realise most of life happens somewhere between the black and white, so we’ll give you the facts, then let you decide.

The past 6 months You may have noticed that minimum deposits for home loans are getting, well, more minimal. In the past 6 months alone, some lenders have dropped their minimum deposit amount to as low as 5%... Continued

A lot of our clients have been asking us about the difference between fixed and variable interest rates – with interest rates at an all time low right now, it’s no surprise.

That’s why we’re looking at the key differences between fixed and variable interest rates, as well as guidelines for choosing between the two... Continued

Data shows that right now more first home buyers prefer to invest, and foreign investment is high. 

This survey, courtesy of NAB Group Economics, cuts through the ‘white noise’. It offers in-depth insights into house price expectations, foreign buyer activity, the rental market and new housing developments in Australia... Continued

A common question among self managed super fund (SMSF) trustees is, ‘should I buy property with my SMSF?’

Recent data from the Australian Taxation Office indicates 3.5% of assets held in SMSFs are from real residential property... Continued

Many of our clients want to know how to go guarantor on a property. If you’re one of these people, this blog is designed to give you a solid overview of the process, as well as the risks involved.

What is a guarantor? A guarantor helps another person obtain a home loan by providing extra security support. The guarantor is considered a ‘third party’ in the home loan agreement... Continued

Australians are finding creative ways to save on their home loan, and other areas of financial life.

We’ve spoken about shopping at the right stores and finding cheaper ways to entertain the family over the holidays... Continued

Home loan advice tends to focus on people who work for an employer.

But in 2013, 17.2% of Australians were recorded as being self-employed. That’s nearly 2 million people... Continued