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Home Loan Warehouse | Expert Mortgage Brokers

The new fixed rate loans – almost like a variable loan or are they?

The new fixed rate loans – almost like a variable loan or are they?

We all want the best deal possible and that often means looking for the best rate out there that fits our circumstances. However, at what point do we begin to forward plan and treat our finances a bit more like a business would. Rates are low now and they have been for many many months. […]

Why use a mortgage broker

Why use a mortgage broker

Your mortgage broker knows that you have better things to do than search hundreds of websites looking for a home loan. They also understand that finding the right loan is one of the most important decisions you will make. Your broker will: Talk with you about your needs, goals and plans Use the information you […]

What is a home loan health check?

What is a home loan health check?

Many customers can save large sums of money by adjusting how they pay their home loan and finding a better home loan package. A home loan health check is a simple way to find our how your home loan compares to what else is in the market. All it involves is a conversation with your […]

Bank offers no Lenders Mortgage Insurance to 90% LVR

Bank offers no Lenders Mortgage Insurance to 90% LVR

One of our banks has a spring promotion where no LMI is payable on loans up to 90% LVR ( loan to valuation ratio ).  This significant discount is open to host of professions and government employees. Usually, banks reserve this for Doctors and other specialist professionals. If you are in the market for a […]

Granny flats – what’s all the fuss?

Granny flats – what’s all the fuss?

Cash is king. It’s a phrase you would have heard many times. In the world of property investment “Cash flow” is king, at least to some investors. Perhaps not every property is suitable for a granny flat but those who have done it make compelling arguments in favour of the use of the minor dwelling […]

Case Studies

Case Studies

See exactly how we can help you get the home loan that is right for you.

Commercial property and self managed super fund finance.

Commercial property and self managed super fund finance.

Compliant self managed super funds that remain compliant enjoy significant taxation concessions. 15% tax on the income of the fund 10% tax on the realised capital gains of the fund (held for more than 12 months) All borrowing activity must meet the following criteria: Funds should be borrowed to acquire an asset The asset should […]

No deposit home loan? It can be done

No deposit home loan? It can be done

The keys to getting a home loan without a deposit are having are really solid income and a clear credit file. Once those two boxes have been ticked your mortgage broker can go over the options with you. The easiest way to get a no deposit loan is to have a family member go guarantor […]

Maternity and parental leave options

Maternity and parental leave options

Commonly, young families rely on the incomes of both partners in order to meet household expenses. When calculating your ability to repay a home loan the same is often true, both incomes are needed to meet the banks serviceability criteria. Generally, bank policy around how income can be used and which parts of your income […]

How much extra can I pay into my super fund?

How much extra can I pay into my super fund?

Subject to certain exceptions (mentioned below), the following table sets out the concessional cap for the income years indicated: Income year Amount of cap 2008-09 $50,000 2009-10 $25,000 2010-11 $25,000 2011-12 $25,000 2012-13 $25,000

How much will my super contribution rise over the next few years?

How much will my super contribution rise over the next few years?

Increase in the charge percentage for Super The Superannuation Guarantee (Administration) Amendment Act 2012 incrementally increases the charge percentage from 9% to 12%, phased in from 1 July 2013 to 1 July 2019, as shown in the following table.   Year Rate (%) 2013-14 9.25 2014-15 9.5 2015-16 10 2016-17 10.5 2017-18 11 2018-19 11.5 […]