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House and land packages combine the purchase of vacant land with a home construction contract, typically offered by developers in new housing estates.
Rentvesting involves renting a property where you want to live while purchasing an investment property where you can afford to buy.
Refinancing replaces your current home loan with a new loan, either with your existing lender or a different financial institution.
Lender's Mortgage Insurance is a policy that protects mortgage lenders against financial loss if borrowers default on their home loans.
Guarantor home loans involve a family member, typically parents, using their property equity as additional security for your home loan.
Bridging loans provide short-term financing that allows you to purchase a new property before selling your existing one.
The First Home Super Saver Scheme allows eligible first home buyers to use their superannuation account as a tax-effective vehicle for saving their home deposit.
The Help to Buy scheme allows the federal government to co-purchase your home by contributing up to 40% of the purchase price for new homes or 30% for existing homes.
Loan-to-Value Ratio (LVR) represents the percentage of a property's value that you're borrowing.
An offset account is a transaction or savings account linked to your home loan where the balance reduces the interest charged on your mortgage.
A redraw facility allows you to access extra payments you've made above your required loan repayments.
Split rate loans divide your home loan between fixed and variable rate portions, allowing you to enjoy benefits of both loan types while reducing exposure to interest rate volatility.
Variable rate loans have interest rates that fluctuate based on market conditions and individual lender decisions.
Interest-only loans allow borrowers to pay only the interest portion of their mortgage for a specified period, typically 1-5 years
A deposit bond is a financial guarantee issued by an approved institution that takes the place of a cash deposit when purchasing property.
SMSF loans allow your superannuation fund to borrow money to purchase investment property,
The Regional First Home Guarantee Scheme is a government initiative designed to help first home buyers purchase property in regional areas with just a 5% deposit.
Settlement is the final legal step in the property buying process where ownership officially transfers from the seller to you as the buyer.
A guarantor is typically a family member who uses their property as additional security to help you secure a home loan.
Self-managed superannuation funds (SMSFs) are finding new opportunities in the property market as interest rates fall and rental yields improve across key markets.
Australia's construction sector continues to face significant challenges that are constraining new housing supply and supporting property price growth across the nation.
Australian borrowers are preparing for a potential refinancing boom as interest rate cuts create opportunities to secure better loan terms and reduce mortgage stress.
Perth continues to outperform the national property market, with strong economic fundamentals and improved affordability driving sustained price growth.
After being the hardest hit capital city in the post-COVID property cycle, Melbourne is showing early signs of market recovery that could present opportunities for strategic buyers and investors.
Australia's rental market continues to face intense pressure as the housing shortage drives competition and pushes many residents toward more affordable regional areas.
The outlook for Australian interest rates has shifted dramatically, with economists now forecasting a sustained easing cycle that could provide significant relief for mortgage holders.
Despite ongoing affordability challenges, Australian property prices are forecast to continue their upward trajectory through 2025, driven by fundamental supply and demand imbalances.
For first home buyers, 2025 is shaping up to be a year of opportunity.
The Australian property market is experiencing renewed optimism following the Reserve Bank of Australia's second interest rate cut of 2025
Book a no-obligation consultation with one of our mortgage specialists today and take the first step toward finding your perfect financing solution.