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

Checklist

7 Reasons To Use a Mortgage Broker

Jun 17, 2019

The mortgage market in Australia can be very complicated. With that in mind, here are the top 7 reasons to use a mortgage broker next time you want to find a new home loan.

Most mortgage brokers have access to a huge range of lenders. They should be able to provide you with a huge choice of rates and mortgage options. With partnerships in a vast array of lending institutions, including banks, credit unions, trusts, national and regional lenders, and non-traditional lenders, a good broker will be able to help design the perfect mortgage for you.

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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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  • S S. Avatar
    S S.

    Norman is very thorough and responsive. Highly recommend to anyone who wants hassle free process getting new home loan or refinancing 😊 -

    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 -

    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 -

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    Laura G.

    We've found One Finance on google and decided to give it a try based on the amazing reviews. We were wondering whether the 5 stars... read more -

    A G. Avatar
    A G.

    We are first-time home buyers and had an excellent experience working with Norman getting finance our first home. He was extremely meticulous explaining the options... read more -

    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 -

  • 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 -

    Hanny W. Avatar
    Hanny W.

    We have used Liz as our mortgage broker for many years. We have refinanced many time and Liz always gets us the best rate. On... read more -

    Heidi Z. Avatar
    Heidi Z.

    Karen and Liz are two of the hardest working professionals I have ever had the pleasure of dealing with – these days it is... read more -

  • Ange C. Avatar
    Ange C.

    My wife and I have enlisted Liz Zaki to co-ordinate multiple home loans over the last 12 years. We have always been impressed with Liz's... read more -

    Lucy J. Avatar
    Lucy J.

    We had an excellent experience with Onesite finance. Liz, our broker was very thorough in going through the process which really helped us with the... read more -

    Gabrielle M. Avatar
    Gabrielle M.

    Liz helped us from start to finish with our home loan and we cannot thank her enough! Liz supported and educated us along the way... 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 -

    Glenn M. Avatar
    Glenn M.

    Liz has been my mortgage broker for several years now and I cannot recommend her and OneSite enough. She secured a loan for me for... read more -

    Joe s. Avatar
    Joe s.

    Liz is a super efficient and helpful broker. She was available 24/7 to answer any of our questions which I am sure you will not... read more -

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