![](https://static.wixstatic.com/media/e94aaf_b449444acf294f298fa0deefefc9acd0~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/e94aaf_b449444acf294f298fa0deefefc9acd0~mv2.webp)
![How important is an established credit history?](https://static.wixstatic.com/media/e94aaf_b449444acf294f298fa0deefefc9acd0~mv2.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/e94aaf_b449444acf294f298fa0deefefc9acd0~mv2.webp)
How important is an established credit history?
I’ve been asked the following question by a gorgeous mum looking after her 20-something son, he is a really great saver and has saved...
![](https://static.wixstatic.com/media/ffd33fa3296c4287b0024afbe9c3cc17.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/ffd33fa3296c4287b0024afbe9c3cc17.webp)
![Unknown costs of buying a home](https://static.wixstatic.com/media/ffd33fa3296c4287b0024afbe9c3cc17.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/ffd33fa3296c4287b0024afbe9c3cc17.webp)
Unknown costs of buying a home
One of the most common concerns our people have is not knowing what they don't know - and accidentally missing something - and that espe
![](https://static.wixstatic.com/media/139371a2cd004372b33415cc97719826.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/139371a2cd004372b33415cc97719826.webp)
![What is a comparison rate?](https://static.wixstatic.com/media/139371a2cd004372b33415cc97719826.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/139371a2cd004372b33415cc97719826.webp)
What is a comparison rate?
Does a comparison rate really adequately compare home loans? What does it actually do? Take a deeper look into the government legislated com
![](https://static.wixstatic.com/media/e94aaf_0953235d5a3e4bc6b943cdee862c002c~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/e94aaf_0953235d5a3e4bc6b943cdee862c002c~mv2.webp)
![Myth busting: Brokers choose their loans based on commission. Rubbish.](https://static.wixstatic.com/media/e94aaf_0953235d5a3e4bc6b943cdee862c002c~mv2.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/e94aaf_0953235d5a3e4bc6b943cdee862c002c~mv2.webp)
Myth busting: Brokers choose their loans based on commission. Rubbish.
Thats the the point - the better I look after you the better I am looked after, it's a win-win scenarios. I never even look at the commi
![](https://static.wixstatic.com/media/e94aaf_91fbb23845d04806adc00b3331cbcab6~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/e94aaf_91fbb23845d04806adc00b3331cbcab6~mv2.webp)
![Renting and having trouble saving a deposit?](https://static.wixstatic.com/media/e94aaf_91fbb23845d04806adc00b3331cbcab6~mv2.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/e94aaf_91fbb23845d04806adc00b3331cbcab6~mv2.webp)
Renting and having trouble saving a deposit?
Looking for clues to help you save a deposit while renting? Buying your first home?
![](https://static.wixstatic.com/media/e94aaf_ff1765c1823449b3aeb28aa9322127e9~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/e94aaf_ff1765c1823449b3aeb28aa9322127e9~mv2.webp)
![What you pay while you're building your brand new home](https://static.wixstatic.com/media/e94aaf_ff1765c1823449b3aeb28aa9322127e9~mv2.jpg/v1/fill/w_295,h_240,fp_0.50_0.50,q_90,enc_auto/e94aaf_ff1765c1823449b3aeb28aa9322127e9~mv2.webp)
What you pay while you're building your brand new home
Buying land and building a home in NSW follows the following rough schedule and here’s what you can expect to pay as you’re building....
![](https://static.wixstatic.com/media/e94aaf_8f4eae5a70ae4b91972b302f913bb294~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/e94aaf_8f4eae5a70ae4b91972b302f913bb294~mv2.webp)
![Common questions first home buyers have.](https://static.wixstatic.com/media/e94aaf_8f4eae5a70ae4b91972b302f913bb294~mv2.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/e94aaf_8f4eae5a70ae4b91972b302f913bb294~mv2.webp)
Common questions first home buyers have.
How much can I borrow & how much can I spend? Pretty much first question – how much will the banks lend me – to which I add, how much do...
![](https://static.wixstatic.com/media/e94aaf_861570a30b56477186b4aeaf517667fa~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/e94aaf_861570a30b56477186b4aeaf517667fa~mv2.webp)
![How a lender assesses your loan](https://static.wixstatic.com/media/e94aaf_861570a30b56477186b4aeaf517667fa~mv2.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/e94aaf_861570a30b56477186b4aeaf517667fa~mv2.webp)
How a lender assesses your loan
There’s a basic process that all lenders follow in assessing your application, understanding this can get you in a better position for an...
![](https://static.wixstatic.com/media/056e2cc0d46f4f01ae713483910b2502.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/056e2cc0d46f4f01ae713483910b2502.webp)
![The stepping stone home gets you into your dream home.](https://static.wixstatic.com/media/056e2cc0d46f4f01ae713483910b2502.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/056e2cc0d46f4f01ae713483910b2502.webp)
The stepping stone home gets you into your dream home.
I want to introduce you to the concept of the stepping stone house – that is, the house you can afford now which gets you into the market...
![](https://static.wixstatic.com/media/f9060c6e844e4fc3b4a7bc613abb0da1.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/f9060c6e844e4fc3b4a7bc613abb0da1.webp)
![Why you still might not be able to borrow - even if you have a lot of equity.](https://static.wixstatic.com/media/f9060c6e844e4fc3b4a7bc613abb0da1.jpg/v1/fill/w_319,h_240,fp_0.50_0.50,q_90,enc_auto/f9060c6e844e4fc3b4a7bc613abb0da1.webp)
Why you still might not be able to borrow - even if you have a lot of equity.
It can happen that you can have a property with a lot of equity, or you have a very large deposit, but we tell you that your income isn’t...