Feeling like you're juggling debts? Debt consolidation may help. Here's what you need to know: – Consolidating your debts can simplify matters and make budgeting easier – You may be able to reduce the amount of interest you need to pay It's important to speak with a financ ...

Buying a car can be an expensive undertaking, which is why a lot of people will take out a car loan. Here are our top 3 tips: - Figure out how much you can afford to spend – and make sure you factor in all the costs of running a car, like insurance, maintenance and fuel. - S ...

Worried about how your credit score will impact your application for finance. We help by: – Taking the time to get to know you and your situation to match you with a suitable lender – Avoiding making multiple enquiries on your credit file, which can negatively impact your sc ...

Happy Mother's Day to all the Mums and mother figures out there. Your impact is immeasurable. Thank you for all that you do 💐 #KeyChoiceGroup #KCGMortgage #keychoicegroupmortgage #bayside #mteliza #malvern #kooyong #goldstein #melbourneproperty #melbourneauctions ...

You may have heard that you need a 20% deposit to secure a home loan. If you have less than 20%, you'd usually have to pay lenders mortgage insurance (LMI) - which protects the bank on the off chance you default on your repayments. Good news is there are some scenarios wher ...

Another Key Choice client is saving an additional $69 per month in interest without refinancing her loan! Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product. Credit Representative 508009 is authorised under Austr ...

How to improve your chances of getting a home loan: 1. Check your credit score and credit history: Address any issues or errors. 2. Save for a deposit: Most lenders require at least 5% of the property's purchase price as a deposit. 3. Reduce your existing debts: Lenders wi ...

Here's bit of a rundown on how the banks assess whether it makes sense to lend you money for your property purchase...also known as 'The 5 Cs of credit' Character: Refers to your reputation for paying debts on time and your willingness to repay the loan. Capacity: Is your a ...

📣The government's Home Guarantee Scheme is now open to more people than ever. Here's a rundown of the recent changes (in effect from July 1 2023): For the first time ever, you don't need to be an Australian citizen – permanent residents are now also eligible to apply. Fir ...

A decade ago, credit reports contained very little information and only focused on the number of credit applications and any negative behaviour. The good news is, credit reports are now much more comprehensive, which means they also report on all your good behaviour, too! W ...

If investing in property is on the cards for you then you've probably heard about Capital Gains Tax (CGT). CGT is applied to the profit you make when you sell an investment property, shares, foreign currencies (and a few other types of assets). It won't apply to property you ...

Ready to buy your dream car? Or perhaps just a workhorse for your business? Our expert brokers can help you make it happen. Here's what you need to know: – Access competitive interest rates and flexible repayment terms – Leave the hard work to us as we scour the market for a ...

In news that many of us expected, but absolutely no one (with a mortgage) wanted, the RBA have increased the cash rate to 4.1%. This is the highest it's been in 11 years, and the 12th rate hike in 13 months. Brutal. A lot of people with a mortgage are really feeling the squ ...

Lenders Mortgage Insurance (LMI) gets a bad rap. And yes while no one wants to pay an extra insurance (that protects the bank, no less), it can be difference between getting into the property market now vs much later. We'll definitely look at ways you can avoid paying this ...

The cash rate rises aren't just affecting people who already have a mortgage. If you have plans to enter the property market you may have noticed that your borrowing power has dropped significantly in the past 12 months. This is because the higher the interest rate, the hig ...

Applying for a home loan - whether it's your first or fourth - is all about creating the right impression. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Not only do lenders want to make sure you're willing and able to pay them back, and that you're making an astute investment (after ...

Leveraging your equity to build your property portfolio certainly sounds appealing. After all, who wouldn't want to buy investment properties using the equity they've built up in their home - rather than having to save up the cash for a new home loan deposit? The key to su ...

Ever noticed how those online 'borrowing power' calculators ask how many dependents you have? This is because caring for children will impact how much the banks are willing to lend you. Roughly speaking, each child you have under your care will reduce your borrowing capacit ...

Did you know that getting a better deal on your existing home loan doesn't always mean switching lenders. Sometimes, it's simply a matter of us negotiating a better offer with your existing bank - otherwise known as repricing. Get in touch to find out whether repricing coul ...

What's that they say about one person's trash being another person's treasure? According to Gumtree, the average Australian has over $5k worth of potential treasure sitting around their homes. Not a bad way to declutter, all while doing your bit for the environment. ...