Your property journey rarely ends at the first purchase. As life changes—career moves, family growth, location shifts—your home and loan should evolve too. Stage 1: First home Build good habits: Offset usage, emergency buffers, and repayment cadence. Choose flexible features: Redraw, portability, and fair break costs matter. Plan ahead: Think about future renovations or location …
In a competitive market, speed and certainty are superpowers. A mortgage pre-approval (subject to conditions) gives you clarity on your budget and shows sellers you’re serious. What pre-approval gives you Defined price range: Shop with confidence and avoid overcommitting. Faster negotiation: Sellers and agents prefer buyers who are finance-ready. Smoother settlement: Fewer surprises when your …
Property investing thrives on clarity. Even when rules evolve—assessment buffers, interest-only criteria, tax treatment—the winning approach is to stay informed and plan ahead. Common areas of change Lending criteria: Serviceability buffers, interest-only terms, and rental shading can shift. Tax settings: Depreciation rules, interest deductibility, and land tax vary by property type and state. Regulatory priorities: …
Energy-efficient homes aren’t just good for the planet—they can be good for your wallet. From insulation and solar to efficient appliances, sustainable features can reduce running costs and may broaden your borrowing options. Why green features matter Lower bills, higher comfort: Better temperature control, fewer drafts, and smaller energy bills. Resale appeal: Growing buyer interest …
