Each lender these days has their own jargon for their products and what they can do for you. I would suggest the following key jargon are essential when navigating the banks for a home loan or investment loan: Standard Variable Rate This is their variable rate prior to any discount – no-one should be paying this in today’s market unless there is a discount applied. Also note that most lenders have a different Standard Variable Rate for their owner occupied loans and their inv

The answer may depend on your situation – but most likely not! The reasons are as follows: 1. Currently the Big Four Lenders (ANZ, NAB, Westpac and Commonwealth Bank) are not as interest rate sharp as some of the second tier lenders (such as ING Bank). 2. Often the Big Four lender credit policies are not as flexible as some second tier lenders. 3. The Big Four Lenders have been known to increase their variable rates more frequently outside of the Reserve Bank increases. Howev

Looking for a new home or investment property can be hard work with so many different aspects to consider. We are here to make the process a little easier when it comes to deciding whether to buy land and build a brand new house or purchase an old or established home. Building a new house has many benefits and we have outlined the top ten reasons we think new builds are the better choice! 1. Choose your ideal / dream design It’s obvious if you decide to build a new home you g