Will the recent changes to lending standards affect you?

Regulator tightens lending rules The Australian Prudential Regulation Authority (APRA) has written to all banks to increase the buffer on which they stress test borrowers by 0.50%. This buffer is added to the interest rate of the loan, and borrowers are assessed on whether they can repay with the buffer to ensure they can withstand [...]

How much do I need to Retire?

There’s a lot to love about investing in property, and bricks and mortar can be an especially rewarding asset in retirement. The sharemarket woes we’ve seen since the start of 2016 have been a stark reminder that equities can be a highly volatile asset.  For all investors - retirees in particular, it can be enormously [...]

What is a car loan?

Are you thinking about buying a new car but don’t know the first thing about your finance options? Well, you’re in luck. In this article, we take the time to answer some of the more commonly asked car loan questions. Armed with this information, you’ll be able to source the right car loan and get [...]

Building insurance – when do I need it?

You’ve found your dream home. You are about to sign the Sale Contract and pay the required deposit.  So when do you need building insurance? Protecting the biggest asset that you will have is a very important consideration when buying a property.  But when is it required?  When the Sale Contract is signed or at [...]

Bridging Loans

Bridging loan How to get the new property when the old one hasn't sold? So you have found your ideal next home but have not sold your current home. With your own family situation, you may prefer to purchase your next home before selling your current home. There are some advantages in doing so as [...]