The Truth About Deposit Size
Many homebuyers believe that a 20% deposit is necessary to secure a home loan, but this isn’t always the case. While a larger deposit has its benefits, such as lower monthly repayments and avoiding Lenders Mortgage Insurance (LMI), it’s not a strict requirement. Smaller Deposits: A Viable Option Lenders now offer home loans with deposits […]
Negative Gearing Explained – How It Works and Why Investors Use It
Negative gearing is a common investment strategy in Australia, particularly in real estate. Here’s a quick guide to understanding how it works and why investors opt for it. What is Negative Gearing? Negative gearing occurs when the costs of owning and managing an investment property exceed the rental income it generates, resulting in a financial […]
How to Improve Your Credit Score Before Applying for a Mortgage?
When you’re contemplating the purchase of a home, your credit score becomes more than just a number—it’s a reflection of your financial reliability and can be the key to unlocking favourable mortgage terms. Obtain and Scrutinise Your Credit ReportBefore you can improve your credit score, you must first understand where you currently stand. Australians are […]
How Offset Accounts Could Save You Thousands on Your Home Loan
Including offset accounts in your home loan strategy could potentially save you thousands of dollars. Here’s a look at how they work and whether you should consider this option. What are Offset Accounts? Offset accounts aim to reduce the interest you pay on your home loan. They’re similar to savings accounts, but instead of earning […]
Unlock Your Business’s Potential with Commercial Finance
Commercial finance can be an excellent way to help your business grow. By speaking to a mortgage broker, you can gain access to the capital needed to expand your operations and take your company to the next level. Commercial loans are available for businesses of all sizes, offering a variety of options tailored to your […]
Decoding Mortgage Broker Jargon
So, you’re in the market for a mortgage? Whether you’re a first-time home buyer or a seasoned investor, understanding mortgage broker terminology is crucial. This knowledge will help you make informed decisions and communicate effectively with your mortgage broker. In this blog post, we’ll break down some of the most common mortgage broker terms and […]
Turn Your Dreams into Reality with a Personal Loan
Do you have a dream you’d love to achieve but think the cost is holding you back? A personal loan might be just what you need to make that dream a reality. Whether it’s starting a new business, buying a home, or taking that long-desired holiday, a personal loan can provide the financial boost you […]
Home Loans Made Simple: Advice from Loanseek Mortgage Brokers
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The Importance of Diversification
As we enter the new year, it’s crucial to review your investment strategy. One fundamental principle to focus on is diversification, which can help manage risk, enhance returns, and improve financial stability. Let’s explore why diversification is essential and how to effectively diversify your portfolio. What is Diversification? Diversification involves spreading your investments across various […]
How Marriage Affects Your Mortgage Options in Australia
Marriage marks the beginning of a new chapter filled with shared dreams and responsibilities, including the purchase of a home. In Australia, marriage can influence your mortgage options in several ways. Here’s a condensed look at how tying the knot may impact your ability to secure a mortgage and what to consider as a married […]