Latest Mortgage Broker Blog

Introduction One of the most common questions first time home buyers ask before applying for a home loan is whether having no credit history could

Why You Shouldn’t Rely on Online Calculators Most people begin their home loan research with an online mortgage calculator. You enter your loan amount, interest

Paying off a home loan is a long-term commitment for most Australians, often spanning 25 to 30 years. But what if you could reduce the

There’s good news on the horizon — interest rates are finally starting to ease. And while that brings a sense of relief for many homeowners,

Imagine finding your dream home, but you haven’t sold your current property yet. The fear of missing out is real, but that’s where bridging finance

Are you looking for a home loan but feeling overwhelmed by all the options? From offset accounts to repayment holidays, understanding key features can save

If you’re managing multiple properties or considering investment loans, you might have come across the term “cross collateralisation.” This loan structure means using multiple properties

Offset vs Redraw: Understanding how to reduce interest payments is crucial when managing a home loan. There are two standard features, that many borrowers have

Mortgage Offset Are you unsure of the difference between a home loan offset and a home loan redraw? You’re not alone. That’s why it’s important

Melbourne’s best mortgage broker explains how to maximise your borrowing capacity. Do you know? How to increase borrowing capacity? If you’re worried about how the

Affordable Housing Melbourne According to a new report, the income required to service new mortgages on average dwelling values has increased year-on-year. The ANZ CoreLogic

Mortgage Myths Purchasing a home is exciting yet complicated. Myths about mortgages often circulate, causing confusion and fear for homebuyers. This article aims to dispel

Mortgage broker finance You have found your dream home and need to get finance sorted. Chances you may need a subject to finance condition in

Fixed Loan Rates Home Loan Fixed Rates – are they a gamble? This is a thought that has been occupying What If We Finance more

No Deposit Home Loans – do they exist? Buying your home without a deposit seems like an unreachable dream — but does a ‘no deposit’

Most lending applications in Australia, before being approved, require a bank valuation to be completed. This is where lending can get complicated as the bank’s

Construction Home Loan So you are building a new home and you need a Construction Home Loan. Where do you start? Your mortgage broker What

How Credit Worthy Are You: Understanding Credit Scores One of the greatest perks in life is access to credit. It opens the doors to many

The increasing credit regulation has seen many people predict the death of Low Doc loans. Mortgage Broker, What If We Finance, states that despite the

No LMI Home Loans No LMI (Lenders Mortgage Insurance) Home Loans are becoming more common in the market. Your mortgage broker What If We Finance

How Does A Land Loan Work? Not all people want to buy ready-made homes. Some have the time and the patience to build from scratch.