In the wake of 13 consecutive cash rate hikes through 2022 and 2023, many aspiring homeowners and current mortgage holders are feeling uncertain. Worried about achieving your home ownership dream, perhaps you’re questioning what steps to take towards your property investment goals, or you just don’t know what the right thing to do is? In such times, having a skilled professional by your side is invaluable. We are equipped to guide you through your property journey, amidst the cu...

Purchasing your first home is an exciting milestone, but saving 20% for deposit – particularly if you’re also paying rent and navigating cost-of-living pressures – can feel like an impossible mission. Consider options like Lenders Mortgage Insurance (LMI) to help achieve your dream of homeownership. Let's discuss the basics of LMI and answer some FAQs: 1) How does LMI work? LMI is a type of insurance that a lender takes out to protect itself against the risk of ...

Preparing your house for sale is essential to attract potential buyers and maximise its selling price. Here are some steps you can take to get your house ready: 1) Declutter and Depersonalise Start by decluttering your home to make it appear more spacious and organised. Remove personal items such as family photos and memorabilia to help buyers envision themselves living in the space. 2) Deep Clean Clean your home thoroughly, paying attention to often overlooked areas such as baseboards, ...

Deciding whether to buy or rent a home depends on various factors, including your financial situation, lifestyle preferences, and long-term goals. Here are some key considerations to help you make an informed decision: Financial Considerations: Upfront Costs: Buying a home typically requires a substantial upfront investment, including a down payment, closing costs, and other fees. Renting, on the other hand, usually involves a security deposit and possibly first and last month's rent...

Deciding whether to fix your interest rate or stay variable depends on various factors, including your financial situation, risk tolerance, and outlook on interest rates. Here are some considerations to help you make an informed decision: Fixed Rate: Certainty and Stability: Choosing a fixed interest rate provides certainty and stability in your mortgage repayments, as your rate remains unchanged for the fixed term (usually 1 to 5 years). This can be beneficial for budgeting and financia...