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Agents pushing for unconditional offers? NO WAY.
For any home buyer (particularly first home buyers), navigating open for inspections, section 32's and making an offer, it can be a...
Bernadette Leahy, Authorised Credit Representative
Mar 25


Well praise be, we have our first RATE CUT!
The RBA has announced this afternoon that it is lowering the official cash rate by 25 basis points from 4.35 to 4.10%. It was broadly...
Bernadette Leahy, Authorised Credit Representative
Feb 18


The big, bad boogy man...LMI and why is isn't all that bad
LMI. What is it and why do so many people fear it? Even for those starting out a fresh as first home buyers, while they may not...
Bernadette Leahy, Authorised Credit Representative
Nov 26, 2024


Why is it taking so long for rates to reduce?
It is this holding pattern which is a killer. Every day, you hope for some good news. Any news. Preferably not bad news. And this is...
Bernadette Leahy, Authorised Credit Representative
Oct 21, 2024


Rates going up? Rates going down? Who really knows.
Truth be told it depends on the day. Anyone who has a mortgage is eagerly awaiting the green light that the banks have finally started to...
Bernadette Leahy, Authorised Credit Representative
Sep 3, 2024


Copy of Copy of Rates going up? Rates going down? Who really knows.
Truth be told it depends on the day. Anyone who has a mortgage is eagerly awaiting the green light that the banks have finally started to...
Bernadette Leahy, Authorised Credit Representative
Sep 3, 2024


Hold up! Don't do this if you want to get a home loan.
You've seen a credit card with a humungous amount of Qantas Frequent Flyer points on offer if you sign up. And boy are you tempted to...
Bernadette Leahy, Authorised Credit Representative
Aug 14, 2024


So my job really matters? How it impacts you getting a loan.
When it comes to your employment and applying for a home loan, the nature of your employment matters. Not necessarily the 'what' you do...
Bernadette Leahy, Authorised Credit Representative
Jul 25, 2024


To offset or not to offset... that is the question
One of the biggest decisions you will need to make in regards to your home loan is to whether to choose a home loan with - or without -...
Bernadette Leahy, Authorised Credit Representative
Jul 15, 2024


Rates going up? Yikes. Tax breaks could help
I think we all let out a big sigh of frustration after an inflation report yesterday came out higher than the previous month. That can't...
Bernadette Leahy, Authorised Credit Representative
Jun 27, 2024


Your get out of jail free card - the finance approval date
In the fortunate position you could find yourself negotiating on a private sale to buy a home, rather than bidding at auction, there is...
Bernadette Leahy, Authorised Credit Representative
May 29, 2024


Why has my borrowing power decreased so much in the past year?
A little known fact. When you go for a home loan, the bank does not assess you at the rate for which you are applying. No. In fact,...
Bernadette Leahy, Authorised Credit Representative
Apr 24, 2024


Is it a Good Idea to Purchase a Property with a Friend or Sibling?
Would you ever consider buying a property with a friend or sibling rather than a partner or flying solo? It is a question that some...
Bernadette Leahy, Authorised Credit Representative
Apr 18, 2024


Geez why does this have to be so stressful?
You are not the first and sadly you won't be the last to feel quite stressed and at times, completely and utterly overwhelmed, when it...
Bernadette Leahy, Authorised Credit Representative
Mar 21, 2024


3 Key Strategies for Using an Offset Account to pay off your home loan faster
An offset account is a powerful tool to help home loan customers pay off their loan faster than they would otherwise. It can help you to...
Bernadette Leahy, Authorised Credit Representative
Mar 5, 2024


Your Ultimate Guide to Buying a Property via Private Sale: 4 Crucial Must-Haves
Making an offer on a property that is on the market via 'private sale' is very different than buying an auction. It is crucial that you...
Bernadette Leahy, Authorised Credit Representative
Feb 21, 2024


How to nail your home loan preapproval the first time
Everything you do before you apply for preapproval of your home loan matters. Everything. What you do before you actually apply, how you...
Bernadette Leahy, Authorised Credit Representative
Jan 24, 2024


18,000 spots still up for grabs for first home buyers
The Federal Government still has 18,000 spaces available for eligible first home buyers under their First Home Buyer Guarantee Scheme,...
Bernadette Leahy, Authorised Credit Representative
Jan 9, 2024


And so the banks have passed on the increase....
For anyone who has a home loan, it is unlikely that it has escaped your attention that the RBA increased the official cash rate Melbourne...
Bernadette Leahy, Authorised Credit Representative
Nov 9, 2023


First home buyers returning to the market? Now that's a good news story!
Hold up. Is that right that we are seeing First Home Buyers coming back into the market? With interest rates remaining persistently high...
Bernadette Leahy, Authorised Credit Representative
Nov 3, 2023