𝐇𝐨𝐰 𝐨𝐥𝐝 𝐢𝐬 𝐭𝐨𝐨 𝐨𝐥𝐝 𝐟𝐨𝐫 𝐚 𝐛𝐚𝐧𝐤 𝐭𝐨 𝐬𝐚𝐲 𝐧𝐨 𝐭𝐨 𝐠𝐢𝐯𝐢𝐧𝐠 𝐲𝐨𝐮 𝐚 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧/𝐜𝐫𝐞𝐝𝐢𝐭?

𝐂𝐚𝐧 𝐈 𝐚𝐩𝐩𝐨𝐫𝐭𝐢𝐨𝐧/𝐬𝐩𝐥𝐢𝐭 𝐦𝐲 𝐝𝐞𝐛𝐭 𝐨𝐫 𝐥𝐢𝐯𝐢𝐧𝐠 𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 𝐰𝐢𝐭𝐡 𝐦𝐲 𝐬𝐩𝐨𝐮𝐬𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐦𝐞 𝐛𝐨𝐫𝐫𝐨𝐰 𝐦𝐨𝐫𝐞? 𝐃𝐨 𝐦𝐲 𝐩𝐞𝐭𝐬 𝐜𝐨𝐬𝐭 𝐦𝐞 𝐦𝐲 𝐛𝐨... ...more

Sydney Property

March 21, 2024•3 min read

RBA Cash Rate Announcement - 19/03/2024

The official cash rate remains unchanged at 4.35%. But that did not stop one bank from increasing its variable rate products by .. ...more

Sydney Property

March 20, 2024•1 min read

The Mortgage Broker Advantage: Time and Money-Saving Secrets Revealed

Finding the right mortgage for your specific needs can be a daunting task, especially with the myriad of options available in the market. However, there's a valuable resource that can save you time, a... ...more

Sydney Property

August 07, 2023•3 min read

Refinancing Demystified: Unlocking extra cash in Your Monthly Budget

Are you looking for ways to free up some extra cash in your monthly budget? Refinancing your mortgage could be the solution you've been searching for. In this blog post, we will demystify the process ... ...more

Sydney Property

August 07, 2023•3 min read

Double Your Savings: Effective Strategies to Boost Your Bank Account This Year

Saving money is an essential aspect of financial success, and if you're looking to increase your savings, you've come to the right place. In this blog post, we will explore effective savings strategie... ...more

Sydney Property

August 07, 2023•3 min read

What is LVR when it comes to a home loan?

The Loan Value Ratio (LVR) is the ratio of the loan amount against the value of the property you've selected and used as security for the loan. LVR determines whether the lender’s mortgage insurance w... ...more

Sydney Property

August 07, 2023•3 min read

Back to Home

What is the First Home Loan Deposit Scheme?

The First Home Loan Deposit Scheme (FHLDS) is an Australian Government initiative to help you buy or build your first home sooner. We're proud to continue supporting this initiative.

If you’re eligible you’ll get a limited guarantee from the Australian Government to buy or build your first home with a low deposit of 5%, without paying Lenders Mortgage...

What costs are involved with buying a home?

Ask yourself one simple question, ‘How quickly do I want to get into my first home?’ This will not only determine how much you need to save but also how long it will take you.

The First Home Owners Grant (FHOG), opens in new window is a national scheme funded by the states and territories. It was established to offset the effect of GST on...

Lenders Mortgage Insurance

How Lenders Mortgage Insurance can help you get into your dream home faster.

If you’re finding it difficult to save a 20% home loan deposit, you might still be able to borrow by paying Lenders Mortgage Insurance. We’ll run through how LMI works and what it might mean for you.

The Lender will normally require LMI if you do not have the required home loan deposit (typically 20% of the property value) and the cost is usually passed...

Buying a House: The Upfront Costs

Outside the deposit, this’ll be your biggest upfront cost. Stamp duty varies greatly from state to territory to state and the rules (and exemptions) can seem complicated.

Check out the government websites of your state or territory. But be warned: the various schemes change almost yearly so you’ll need to check and double check.

As of October 2014, if you’re a...

Current Cashback Offer

Terms and conditions, credit criteria, fees and charges apply.

$2k to $4k Refinance Cashback available for new refinance applications. Offer may be varied or withdrawn at any time.

Limit of one cashback payment regardless of the number of applications, applicants, properties, or loans involved per 12-month period. For joint applications, only one cashback payment will be...