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

Home Loans

Changes To Interest Only Term Extensions

Sep 20, 2018

Changes to lending regulations are forcing banks to change the way they assess requests to switch or extend Interest Only repayment periods. These changes effect customers who want to extend Interest Only repayment periods, as well as those wanting to switch from Principal and Interest to Interest Only repayments.

In the past, CBA customers would simply call the bank and request to switch to Interest Only repayments over the phone. Customers were also able to change their existing loan from P&I to IO over the phone. Other banks applied a very similar process when customers requested to switch to or extend Interest Only terms.

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Home Renovations

Live In Your House Or Move Out During A Renovation?

Sep 17, 2018

Is it time for a renovation? Have you thought about whether you will continue to live in your house or move out during the renovation process? It is a good idea to list down the pros and cons before making a decision.

Live In Your House Or Move Out? Advantages Of Staying In Your Home
It’s nice to think there won’t be too many changes and disruptions during a home renovation, but what are the real advantages of renovating and being able to live in your house in the middle of a renovation?

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Investment Property

9 Tips For Choosing An Investment Property

Sep 5, 2018

Are you considering buying a residential investment property? You need to consider a few key points before making your offer.

We’ve got 9 tips to help you in choosing an investment property. What to do and what to avoid in order to steer clear of any potential difficulties and ensure success in your next investment purchase.

The process starts with knowing your goal. When choosing an investment property, it is vital that you understand your financial objectives. The financial elements should be your key focus to purchasing an investment property, rather than the actual property itself. You will need to decide first on what your investment goal is, AND THEN create a plan to achieve it within a realistic time frame.

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Family standing outside home

Home Loan Special Offers – August 2018

Aug 14, 2018

Lenders are constantly adding new products or features to their existing loan products to entice customers and build their market share in different niches. This article will run you through the different specials that are available on the market as at August 2018.

Lenders are currently trying to transition Borrowers towards Principle and Interest Loans. And with the property market cooling over the winter months, there are a number of new lending restrictions to boot.

There are number of offers aimed at different segments of the market from First Home Buyers to Investors with both variable and fixed rate options to choose from. For customers looking to refinance, please be aware of the newer, more onerous lending criteria being applied to new loans. Your lending capacity may have been greatly affected since the last time you sought finance.

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Budget 2018 – Changes For Property Buyers And Sellers

Aug 13, 2018

The 2018 Budget will bring many changes for property buyers and sellers. Some of the new changes tabled in the May Budget will likely have an indirect effect on both the residential and commercial property sectors.

The Budget will more than likely mean that interest rates will not be an issue, as the President of the Real Estate Institute of Australia Malcolm Gunning says: “This expected interest rate stability comes at a time when housing prices in some of our major cities are showing signs of easing, leading to improved affordability for first homebuyers.”

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Live in your house or move out?

Refinancing – How Much Can You Save On Your Home Loan

Aug 13, 2018

Refinancing is the process of replacing an existing home loan with a new one. It means your existing home loan is paid out and replaced with a new home loan. This is different from a second mortgage, where you draw on the equity you have built up in your home. Refinancing is all about giving you greater flexibility and saving you money in the long term.

Refinancing your home loan could save thousands of dollars over the life of your loan. There are a number ways to reduce the interest you pay on your mortgage. It is well worth shopping around for a lower rate and more product features.

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"We can't recommend OneSite Finance highly enough. Liz was amazing and so helpful in assisting us with the purchase of our first home! Being totally new to the property market, it was great to have someone walk us through the entire process, from beginning to end, from going through lender options, to the application and approval, right through to settlement, and still continue to go beyond! Great follow up, and great advice. Highly recommended!"

Sarah J, Randwick, NSW   

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