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Here are some great articles that can assist you throughout the buying process and after. 

Save a lot of money

Quick Ways To Save A Lot Of Money

May 6, 2019

Do you want some quick ways to save a lot of money?

How often do you check your accounts and credit card statements?

Do you re-assess your expenses regularly?

Tax time is always a good time of year to get your finances sorted as it’s when we all go through the past year’s expenses. If you’re looking to buy a new property, or just looking at saving some dollars throughout the year, it is a good idea to go through your current finances and expenses to see where you can save a few thousand dollars a year.

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Real Estate Agents

How To Negotiate With Real Estate Agents

May 6, 2019

When you deal with property transactions, you will be dealing with Real Estate Agents. This article will show you how to make real estate transaction go as smooth as possible.

The first thing to note is that the Real Estate Agent does not represent you, the Buyer – they represent the Vendor. It is in their best interest to ensure the Vendor gets the highest price possible because:
– Agents are usually paid a commission on the sale of the property
– Extracting the highest price from the Buyer, allows the Agent to attract more customers in future

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Negotiation Skills

Home Loan Market Update May 2019

Apr 15, 2019

April has started, and the RBA’s official cash rate is still sitting at 1.50%. The lowest it has ever been.

This article will walk you through what the team at OneSite are currently observing in the Home Loan and general Credit Markets. There are currently a number of factors effecting the credit market:
– General economic variables
– Property market outlook
– Regulator changes

With this in mind, the article will show you the current lender movements in the market.

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Couple in garden looking at house

How Much Can I Borrow?

Mar 27, 2019

Most borrowers often ask, how much can I borrow? This question can be answered by looking how the Banks calculate your borrowing capacity.

Every bank has their own calculator to work out your borrowing capacity. Having said that, the information that gets entered into the different calculators is largely the same. The video in this article will discuss the criteria the banks use to calculate your borrowing capacity.

The factors involved in calculating your borrowing capacity boil down to your income, your living expenses and your current liabilities.

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Piggy bank next to house

Do You Have Genuine Savings?

Feb 25, 2019

Genuine Savings are the funds you saved yourself over a period of time. If you are considering entering the property market, you will need to be prepared to have a deposit of at least 5% of the property value in order to qualify for a home loan. This rises to at least 10% of the property value if you’re looking for an investment loan.

Having said the above, having the 5% deposit does not automatically qualify you for a home loan. Home loan applicants are required to have genuine savings, as well as the initial deposit for the loan. 

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Where will the market go next?

Home Loan Market Update – Feb 2019

Jan 20, 2019

Another month has gone by and the RBA’s official cash rate is still sitting at 1.50%, the lowest it has ever been. The prospect of the cash rate being cut, along with stronger economic data out of other world markets have led to the Australian Dollar trading at or near 3 year lows. This will have implications for Lender’s debt financing, with a large portion of that sourced in foreign currencies and thus needing to be hedged.

With this in mind some Lenders have signalled an increase to their home loan rates. This article will run you through the latest news on the home loan as at February 2019.

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  • Faezeh G. Avatar
    Faezeh G.

    Highly recommend Onesite finance specially Norman to everyone. The most responsible, caring, punctual, reliable person we dealt with in the whole mortgage process. If you... read more

    Sarah A. Avatar
    Sarah A.

    Liz has been amazing and so supportive of my husband and I on our journey to home ownership. We first made contact with Liz about... read more

    Andrew C. Avatar
    Andrew C.

    Liz was absolutely fantastic helping me get my first home. She was recommended to me and by far one of the best decisions I could... read more

  • Tim S. Avatar
    Tim S.

    Liz has made the entire process of getting a loan to be hassle free and as easy as it can be. Her dedication and... read more

    Franky o. Avatar
    Franky o.

    Liz has been very helpful with our mortgage needs, we are very thankful for all her assistance. She works diligently and efficiently and made smooth... read more

    Chevy D. Avatar
    Chevy D.

    Andi was very highly recommended by a colleague and friend. From start to finish, Andi from OneSite has been very helpful and keen on answering... read more

  • Michael I. Avatar
    Michael I.

    Such a great experience! From the very first meeting Liz clearly communicated with us and gave us excellent advice. She is very quick to respond... read more

    So T. Avatar
    So T.

    When I refinanced from State Custodian to CBA last year with Andi's help, I got very competitive rates. Andi was willing to travel more than... read more

    Magdalena D. Avatar
    Magdalena D.

    We can say confidently that One Site is The Best Mortgage Finance Company, and Liz is the Best Mortgage Broker! We have known Liz since... read more

  • C L. Avatar
    C L.

    I have used Liz’s services a while back and also dealt with lenders directly thereafter.. several times. I found that Liz was the fastest, most... read more

    Brian M. Avatar
    Brian M.

    Liz and her team are fantastic. They have helped me through buying multiple properties and it has always been a great experience. Liz has deep... read more

    Kate D. Avatar
    Kate D.

    I have had the pleasure of working with Liz when purchasing 2 different properties. Her attention to detail & efficiency are second to none! I... read more

  • Donna L. Avatar
    Donna L.

    My partner, Daniel and I couldn't be happier with the exceptional service we received from our our broker, Liz Zaki. Liz went above and beyond... read more

    Bernadette M. Avatar
    Bernadette M.

    Liz is an amazing Mortgage Broker.
    5 stars doesn't do justice to the service that Liz and her team have provided.
    Through a challenging construction...
    read more

    Emma L. Avatar
    Emma L.

    As first home buyers, the process of getting a mortgage can be quite daunting. Liz was so helpful and diligent the whole process. Always on... read more

"Through the recommendation of a friend, we have the good fortune of knowing and working with Norman! He is proactive, following up with various parties to ensure that various datelines are met. Methodical in his approach, with constant updates along the way, Norman helps take away the anxiety and stress associated with a complex process for a layperson. We would definitely recommend engaging his service!"

Ken L, Hawthorn East, VIC   

View all our reviews at the OneSite Finance Google My Business page.

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