Home Loans & Personal Finance

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A boutique mortgage broking business that prides itself in giving the very best service to our customers, whether it is first home buyers, property investors, property developers, commercial borrowers, SMSF loans or vehicle and equipment loans, we are there too help.
We have a reputation as stated by our customers "Simply the Best! Patient, so knowledgeable, easy to deal with and a great communicator. You could not ask for more."
and "She has helped me to put together some deals that no other broker I’ve worked with previously could have even attempted to do."

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2 months ago

Payday Key K.

Warrong, VIC

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Are you incapable to deal with your monthly expenditures due to less income and endless expenses?

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2 months ago

stephen l.

Parafield Gardens, SA

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in a situation where things happen at once. can afford to pay - but because of what happen - they say i can not afford it. but feel i if that i can if given the chance to get everything pay in one go(all debts and car repairs etc) leaves about $200 /$250 a f/n for repayments. just what a break to get thing right. sick of jumble between thing and never getting ahead. need someone to help. just want to pay what i owe and get ahead

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9 months ago

P M.

New Farm, QLD

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What implications does being a in a de facto relationship have compared with being single when making a finance application on a property? For those applying for a loan on a property in their own name.

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last year

Mark B.

Adelaide, SA

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I've recently applied for a personal loan with a lender and was approved, however I haven't signed and accepted the loan yet. Whilst it was being approved however i've found another lender which looks like they will be reasonably cheaper.

My question is if it's OK to instead apply through the second lender even though I was approved with the first? I was reading this article: https://creditmadesimple.com.au/does-taking-a-personal-loan-affect-your-credit-score/ which says that applying for personal loans can impact your credit score, so im concerned if I apply for the second loan I might be denied and then not be able to use the first lenders offer anymore.

Appreciate any advice!

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2 years ago

Elizabeth T.

Ambarvale, NSW

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Will I be able to get a loan for $2000 and pay it off in a month I am on a pension and I have already borrow a loan from Centrelink and paying off iPhone repayment.

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3 years ago

Sam A.

Beaumont Hills, NSW

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We currently owe $682,000 to ANZ and the rate is 4.19%. My income is $130,000 and my wife’s is $95,000. We have 3 kids under 10 but don’t have any other debts. The house would be valued at around $1.3M and we are thinking of refinancing. What’s the best rate could we get?

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3 years ago

Nathan B.

Leichhardt, NSW

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I’m a first home buyer and want to know what deposit I’d need to buy a unit around $900,000 and could I still access the first home buyers grant as it wouldn’t be a brand new unit, Thanks

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3 years ago

Liz H.

Caringbah, NSW

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I have only had my home loan for a couple of months so don’t know much about what happens when interest rates move. My loan is with NAB and I read they are reducing rates by 0.25%, does that mean my repayments will be lower and should I keep making the same repayments I do now?

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3 years ago

Frank C.

Campbelltown, NSW

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What happens when one party in a joint home loan dies. Is the estate of the deceased liable or does the loan transfer to the living party.

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3 years ago

Vaibhao J.

Kogarah, NSW

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Hi, my wife and I are searching for the banks who offer 95% home loan. We are interested in the brand new apartment costing around $660000. We are employed by non-profit Govt organisation and our joint annual income is $147,000 (pre-tax). We have clean credit history (car loan finished, and no existing loan) with two daughters (2y and 8y old). Resident in Kogarah NSW 2217 for 6 years and got our Australian citizenship this year. If we are first time home buyer, what options do we have?

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3 years ago

Cheryl A.

Kenthurst, NSW

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Hi, my daughter has an Afterpay account and is always coming home with new purchases. Can someone please explain what Afterpay is and what the risks are – should we be concerned?

Thank you

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3 years ago

simplyaskit

Business Advisor

North Sydney, NSW

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401 Followers

CBA and Westpac have announced cuts to their fixed rate home loan options, is know a good time for borrowers to be looking at fixed rates?

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3 years ago

Jamie B.

Mount Hawthorn, WA

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Our fixed rate is nearing the end and we have been offered 4% for a 3 year fixed interest only. Should we take it or other there better options?

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3 years ago

Peter C.

Stanmore, NSW

2 Likes
1 Followers

My wife and I are both PAYG employee in the same job for 5 plus years each. Our home loan is with CBA and the rate is 4.39% - loan is $720,000, could we get a better rate and by how much

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3 years ago

Jackson S.

Beenleigh, QLD

22 Likes
2 Followers

There is a lot of talk about rates in the media and I would like to ask how people think the election will impact rates for the next 12 months?

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3 years ago

simplyaskit

Business Advisor

North Sydney, NSW

216 Likes
401 Followers

In light of the Banking Royal Commissions recommendation to have the upfront commissions currently paid to mortgage brokers by lenders changed to a fee for service model over the next couple of years, can we ask:

Do people believe consumer’s would be prepared to pay an upfront free to a mortgage broker to help them obtain a suitable home loan?

What impact would such a change have on consumers?

What impact would such a change have on the home loan industry?

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3 years ago

Henry D.

Haberfield, NSW

3 Likes
1 Followers

We have been informed NAB will be increasing the rate on our home loan by 0.16%, which is very disappointing. Our loan is $780,000 and the rate will now be 4.15% - should we be looking to refinance or is NAB just the first and the other banks will be increasing their rates soon? What is the best rate we could get if we did refinance?

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3 years ago

Lesley C.

Asquith, NSW

2 Likes
1 Followers

Hi there

We have a fixed rate loan of $620,000 that matures in Nov this year. We want to do about $150,000 in renovations and would like to refinance their existing loan and borrow the extra. Home would be valued about $950,000. Is this posisblea nd would there be any fees to break the fixed loan. What rate could we get?

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3 years ago

Leah W.

Pennant Hills, NSW

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1 Followers

Hi, I want to buy a property and it will probably need to be an investment property. I’m 33, first home buyer, single, no kids, a $2000 credit card limit and no other debts. I have been in the same job for 3 years and saved $30,000 living at home.
Income is $98,000 plus super. How much can I borrow and does anyone have any suggestions as to where I should buy?

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3 years ago

Are you incapable to deal with your monthly expenditures due to less income and endless expenses?

What implications does being a in a de facto relationship have compared with being single when making a finance application on a property? For those applying for a loan on a property in their own name.

Will I be able to get a loan for $2000 and pay it off in a month I am on a pension and I have already borrow a loan from Centrelink and paying off iPhone repayment.

We currently owe $682,000 to ANZ and the rate is 4.19%. My income is $130,000 and my wife’s is $95,000. We have 3 kids under 10 but don’t have any other debts. The house would be valued at around $1.3M and we are thinking of refinancing. What’s the best rate could we get?

I’m a first home buyer and want to know what deposit I’d need to buy a unit around $900,000 and could I still access the first home buyers grant as it wouldn’t be a brand new unit, Thanks

I have only had my home loan for a couple of months so don’t know much about what happens when interest rates move. My loan is with NAB and I read they are reducing rates by 0.25%, does that mean my repayments will be lower and should I keep making the same repayments I do now?

What happens when one party in a joint home loan dies. Is the estate of the deceased liable or does the loan transfer to the living party.

Hi, my daughter has an Afterpay account and is always coming home with new purchases. Can someone please explain what Afterpay is and what the risks are – should we be concerned?Thank you

CBA and Westpac have announced cuts to their fixed rate home loan options, is know a good time for borrowers to be looking at fixed rates?

Our fixed rate is nearing the end and we have been offered 4% for a 3 year fixed interest only. Should we take it or other there better options?

My wife and I are both PAYG employee in the same job for 5 plus years each. Our home loan is with CBA and the rate is 4.39% - loan is $720,000, could we get a better rate and by how much

There is a lot of talk about rates in the media and I would like to ask how people think the election will impact rates for the next 12 months?

Hi, my daughter has an Afterpay account and is always coming home with new purchases. Can someone please explain what Afterpay is and what the risks are – should we be concerned?

Thank you