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

SMSF

10 Finance Tips For Property Investors

Jun 4, 2019

More and more Australians are building wealth through the property. According to the Australian Taxation Office (ATO), there are over 1.7 million property investors in Australia. Just over 25% of these investors own more than one investment property.

The largest group of property investors are not high income earners as many may assume. The vast majority fall into the $30,000 to $75,000 p.a. income bracket.

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Couple Smiling

Home Loan Borrowers To Receive Borrowing Capacity Boost

May 27, 2019

Borrowers are set to receive a boost to their borrowing capacity in the order of $80,000 to $100,000 thanks to a combination of changes to lending standards and interest rate cuts, new modelling shows.

Under the proposed relaxation of loan serviceability rules flagged by the Australian Prudential Regulation Authority (APRA) last week, borrowers will no longer be assessed to see if they can repay their loans against an interest rate of 7.25%.

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Couple eating at table

Deposit Bonds: Do You Need Cash For a Home Deposit?

May 27, 2019

One of the common problems that home buyers face is not having enough cash to guarantee for their purchase.

Sometimes you can’t unlock the equity in an existing asset such as your home or investment property. Sometimes times you don’t want to use extra / bridging finance such as when you’re trying to sell and buy at the same time.

Sometimes you aren’t able to get the funds together quickly enough to secure the new property. This often happens when you want to go to auction or when you have to act quickly on a private treaty sale.

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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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    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 -

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    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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    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 -

  • 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 -

    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 -

    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 -

  • Bowen Y. Avatar
    Bowen Y.

    Norman was extremely professional and had a through understanding of all of the procedures involved. I love how he went above and beyond to help... 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 -

    Emma B. Avatar
    Emma B.

    Liz has helped me through one mortgage and 2-3 remortgages/restructures and I cannot speak more highly of her. She has integrity, perseverance (negotiates hard!), and... read more -

  • Sabine T. Avatar
    Sabine T.

    We have been working with Liz and Onesite back in 2009 for our 1st purchase and very recently for another one. Liz provides you with... read more -

    Tadas M. Avatar
    Tadas M.

    Norman is one of the most professional brokers I have ever dealt with. He has in-depth knowledge of all the steps and procedures.
    He helped in...
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    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 -

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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 -

    Rex H. Avatar
    Rex H.

    Liz is one of the most professional and results-driven financial service provider I've ever worked with.

    My partner and I applied for a new home loan...
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    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 -

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