Blog
What to be aware of when buying off the plan
The rise of new apartment developments in our cities provides greater opportunities for potential home owners to buy off the plan. There are benefits to this, but also a number of things to be mindful of. We look at some of the things to consider when buying off the...
Pros and cons of a line of Credit
A line of credit can be a very appealing idea, with immediate access to the limit of a mortgage and no extra approvals necessary. Used wisely, it can make investment and purchase of commercial equipment simple, but it can also spell disaster for the unprepared. A line...
Mortgage Simulation: What to Expect
Here at Our Mortgage Options, our aim is to ensure our clients make an informed decision about their home loan. To do this, we perform something called a mortgage simulation. What is a Mortgage Simulation After we’ve had our initial consultation, discussed goals and...
The Dreaded LMI: What You Need to Know
Almost everyone who takes out a home loan must pay LMI, or Lenders Mortgage Insurance - if you don’t have a deposit of at least 20%. LMI is designed to protect lenders in the event that the borrower defaults on their repayments. Check out the video below to find out...
What is LVR?
When it comes to home loans, do you ever feel like mortgage brokers and lenders speak an entirely different language? Don’t worry – you’re not alone. In fact, many don’t know the difference between home loans and mortgages. One acronym you’ve probably encountered...
How to Pay Off a Home Loan Faster and Save Money
"How can I pay off my home loan faster, and own my home sooner?" This is a question I get asked time and time again. Unfortunately, there’s no secret way to speed up the process, but there are a few changes you can make. Check out the video below for my tips on how to...
Home Loans for Medical Professionals
Are you a medical professional? Well, we have good news. Lenders favour you, because data shows people in the medical field are low risk borrowers, and have the lowest default rates. This means home loans for medical professionals are sometimes offered with a Lenders...
Saving for a Home Loan Deposit
According to a recent survey by RP data, sixty per cent of Australians believe that now is the perfect time to buy a house. If you’re with the majority, you’ll first need to begin saving for a home loan deposit. How Much do you Need to Save? You’re probably wondering...
How to Increase the Rent of your Investment Property
One aspect of being a successful investment property owner is keeping up with the average market rents in your suburb. Whether you’re a long time investor, or thinking of purchasing your first investment property, it’s important to understand why rent needs to be...
Are Home Loans and Mortgages the Same Thing?
Although the terms home loan and mortgage are thought of as interchangeable by many, they are, in fact, two separate things. If you’re planning to buy a property, it’s a good idea to clarify what these terms mean, so let’s take a closer look. Home Loan The term home...
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