My Fixed Term Ends Soon- What should I do?

Where to Start when your fixed term ends soon Over the next few months thousands of home loan owners will be coming off very competitive fixed rate terms. The sharpest new business variable rates currently are over 5% so there’s an increase of at least 3%. On the average loan of $500,000 this increase in […]

A St George Family Pledge – Buy your first home

What is a family pledge? There may be times where parents are cash poor but asset rich. They may not be able to give their children cash to help with buying their first home. However parents can offer a piece of their property as security. This will help substantially towards keeping the risk low for […]

First Home Deposit Scheme

The First Home Loan Deposit Scheme (FHLDS) is an Australian Government initiative to support eligible first home buyers purchase their first home sooner.

Buyout Process

The content in this blog is not professional advice, but simply observations made by someone who has experienced a number of separations and then has helped in the process of a buyout.

Going Forward

It’s relatively easy to organise a pre-approval for a home and once your broker finds the right lender


Lenders realise these days that young couples can find it hard to save substantial cash deposits when they are renting at the same time so a family pledge also known as a security guarantee, is a great way to get into a home with little or no cash deposit. Simply put, parents can offer a […]

What is LVR?

LVR stands for Loan to Value Ratio. In real terms it is the way the lenders work out the risk you pose to them as a borrower. Loan: This is the amount you wish to borrow. Value: This is the value of the property you wish to buy or refinance. The loan to value ratio […]


LMI stands for Lender’s Mortgage Insurance and is an insurance which is paid by the purchaser to insure the lender because a loan amount over 80% of the value of the house is deemed to be a higher risk. Opinions on whether buyers should pay LMI are divided but it’s always worth going through the […]