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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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    Anastasie V.

    Liz was amazing! She explained everything very thoroughly and always kept us in the loop with various steps. She helped us with our land and... 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

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    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

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    Avayar D.

    Liz is an amazing mortgage broker and seems to be working 24/7 as she answers emails and sms very quickly at all times. She has... read more

    Dorothy L. Avatar
    Dorothy L.

    I've worked professionally with Liz from OneSite Finance in the past, and she was always reliable and attentive. I was impressed with her manner and... read more

    Maria P. Avatar
    Maria P.

    We are very pleased with the service provided by Norman from OneSite Finance. Norman made our first home buying process a breeze through briefing us... 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

    Vahid R. Avatar
    Vahid R.

    With all difficulties and pressure , the person made us go through it was Norman.

    He was amazing and he helped us even when he...
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    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

  • John B. Avatar
    John B.

    Liz was fantastic and provided exceptional service to my wife and I on our construction loan. She was very responsive to all our questions /... read more

    Craig M. Avatar
    Craig M.

    We were extremely impressed at the effort and time Liz was able to provide in assisting us with a construction loan through 2018. She was... 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

  • Rina A. Avatar
    Rina A.

    Liz was extremely helpful with my recent investment property purchase. She was very efficient and organised. My loan application was approved on time and she... 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

    Joe D. Avatar
    Joe D.

    Karen helped me to acquire my first property. She was very patient with me and worked to get the best deal tailored for my situation.... read more

"It has been a pleasure working with Norman. He made everything seamless. Very efficient and best customer service. Will definitely recommend him."

Nikhil H, Pendle Hill, NSW   

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

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