Understanding SMSF Lending & Investing: A Comprehensive Guide
Self-Managed Superannuation Funds (SMSFs) have gained immense popularity as a powerful vehicle for managing retirement savings in Australia. With the…
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Loyalty Tax
What is loyalty tax? Loyalty tax is the premium rate that you pay for sticking for one lender when the…
First Home Buyers Grants/Initiatives
Buying your first home is one of the biggest financial commitments you will make. So, there are countless government programs…
The parent trap: should you loan to your kids to help them buy?
The average age of first home buyers keeps increasing, with more young people turning to their parents for financial help.…
Around the Grounds: How COVID-19 has impacted on Australia’s property market
The RBA’s September announcement that the interest rate remains unchanged comes as no surprise. Low rates have long-term implications, but…
Get Out Of Town: Are rural areas the new Australian property hotspots?
2020 has seen a serious slowdown in city property markets, but some rural real estate agents say they’re busier than…
The promise of open banking is big
The promise of open banking is big; a new, simpler way to share your personal financial data between banks, lenders…
With record low interest rates, a flattening housing market and repeated assertions from RBA governor Philip Lowe that a rates rise is not on the horizon, this may be the right time for first home buyers to strike.
First home buyers looking at the current low interest rates as well as government stimulus incentives, and a property market…
Remember the Banking Royal Commission? Here’s what the changes mean for brokers and for you.
In May, Treasurer Josh Frydenberg made an important announcement to the country as we began to seriously batten down the…
Making the most of your investment property at tax time
Come July 1 the annual tax window opens again. Property investors may have access to a wide range of tax…
To fix or not to fix your mortgage interest rate?
Australia’s cash rate is now the lowest it has been in 23 years. As the uncharted negative interest rate zone…
Getting it together: what to know before you consolidate
Managing multiple loans can be difficult – and stressful. One way to simplify your financial situation and save yourself time,…
Taking a Short Break
Taking a short-term break from paying off your mortgage isn’t a new idea, but as the bite of the COVID-19…
Building not buying: do you need a mortgage or a construction loan?
Building a new home – or making big changes to the place you live – is a goal for many.…
If You Are concerned About Servicing Your Loan
If you are concerned about servicing your loan, reach out to Own Home Loans for help. As Australians everywhere take…
What is an Ethical Lender?
As people become more aware about sustainable living, becoming sustainable goes to all facets of life. Questioning the ethical standards…
Three must-knows for property investors to prepare for End of Financial Year
Crunch time has come for property investors with June 30 fast approaching. If you are a property investor, you will…
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…
Refinancing: what you need to know
Confused about the ins and outs of mortgage refinancing? There are two key considerations when you’re looking at taking the…
Towards 2019: what next for the housing market?
The Australian residential housing market has been highly variable this year, and we’ve seen some highlights as well as lowlights.…
How to modernise your kitchen on a budget
If you want to modernise your kitchen but you’re concerned about the cost, don’t be dismayed. There are many ways…
Treat your investment property like a business and your tenants like clients
It’s important to look after the tenants in your investment property – it encourages them to stay long term and…
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…
Ten Renovation Ideas That Can Increase Your Home’s Value
Taking care of basic maintenance tasks before you sell your home is a no-brainer, but a quick and not-too-costly renovation…
Navigating your first home loan application
Increase your chances of a fast approval with a well-prepared first home loan application. We’ll show you how. Although applying…
Want to renovate the smart way? Avoid these four mistakes
Never renovated a property before? Here are four mistakes to avoid when it’s home improvement time. Mistake 1: Not doing…
Tips for choosing the right real estate agent to sell your home
Finding the right real estate agent to sell your property can be daunting. These helpful tips can make the experience…
Kitchen Space Savers
Kitchen Space Savers – Seven ways to make the most of your small kitchen.
When the auction is passed in – to you! What happens next?
The hammer falls, the auction has ended, the bidding’s all done… and the property is passed in to you, the…
Finding a home loan when you’re self-employed
There are many perks to working for yourself, but when it comes to applying for a home loan, it seems…
What you can borrow or what you should borrow?
The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply…
Refinancing could save you thousands – and give you greater flexibility
It’s often said that Australians are more likely to divorce their spouse than switch banks. But with plenty of competition…
Five simple ways to declutter your home
If you’re anything like me, stuff just keeps on accumulating in your home. There comes a time that enough is…
Did you know…about non-bank lenders?
Deciding where to go for your home loan is one of the most important decisions you’ll make. While many prospective…
Money-saving SOS: Effective tips to help land that home loan
Looking to enter the property market and worried about how you’re going to secure your first home loan? It’s time…
Easy ways to brighten up your home
Most people want their home to be light, bright and airy, but sometimes the stars just don’t align and you…
Commercial and asset finance 101
Own Home Loans can help with your home loan and your business loan. There are several types of commercial and…
How to Have a Successful Open for Inspection
When you’re selling your house, the key to a successful open for inspection is to make potential buyers feel comfortable.…
Mortgage broker commissions uncovered
So you’ve decided to partner with a mortgage broker to smooth your first – or return – entry into the…
Say goodbye debt (and hello home loan) in seven straightforward steps
It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too…
What’s the answer if your mortgage repayment falls short?
Whether you’re affected by fluctuating interest rates or or by a change in your personal circumstances, the pressure of maintaining…
A simple guide to small business loans
Small business loans can be great when you need to get your brand up and running or cover unexpected expenses.…
Five top online homeware stores
When your Melbourne home loan is approved and it’s time to deck out your new home, , make sure your…
Confused about home loan pre-approvals? Follow these four steps.
Ready to buy a property? You’ll need to show the seller you have enough money. For most people, this will…
Ready to buy property off the plan? Read this first
Buying property off the plan is exciting as it means you get to own a brand-new home, but make sure…
Rentvesting – enter the property market without sacrificing your current lifestyle
As property prices continue to rise, purchasing in a centrally-located or sought-after area is out of reach for the average…
Ten questions to ask a mortgage broker
Using a mortgage broker to help you choose a home loan can save you considerable time and could result in…
How to instil financial smarts in your kids
Worried about your kids not mastering the skills to manage their finances as adults? These tips for parents will help…
How redraw works and why it’s a handy loan feature
It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why: The…
Six mistakes business owners make when taking out a business loan
A small business loan can be invaluable when you’re establishing your business or when an unforeseen setback occurs, but you…
Buying to rent on Airbnb: Pros and cons
There’s no denying that websites like Airbnb and Stayz have turned the holiday accommodation industry on its head. Anyone with…
Buying property with other people: Mine, yours or ours?
When people buy property together, particularly if it’s with a partner or spouse, they often register the title in both…
Navigating a home loan when you’re new to Australia
Mortgage brokers, loan pre-approval, fixed versus variable rate loans, stamp duty, conveyancing … if you’re new to Australia, the language…
Do I Really Want to Refinance?
While refinancing your home loan may seem overwhelming at first, it’s less complicated than you might think. With historically low…
Overcapitalising: What it is and how to avoid it
As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and…
You’ve won the auction – what happens next?
Congratulations! You’ve just bought a property at auction. Before you can move in, there are some things you need to do. Remember,…
Fixed, variable, split – find the right fit for you
Fixed, variable, split – find the right fit for you In Australia, there are a number of ways to structure…
Mortgage offset accounts: Making your loan work for you
Savvy borrowers have an end game in sight before they even apply for a home loan, and with the right…
Want to help your kids buy property? Here’s how
These days buying a home is tough for anyone first entering the market, particularly for young adults. We all want…
Your property inspection checklist
When you’re house hunting, it’s easy to get distracted by the way a house looks on the outside, but aesthetics…