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# Property Education Home Loan Brokers Melbourne

Property Education Company - Award Winning Home Loan Brokers Melbourne

## Sitemaps

- [XML Sitemap](https://propertyed.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [2026 Federal Budget: Important First Home Buyer Updates](https://propertyed.com.au/2026-federal-budget-first-home-buyer-update/) - Explore the 2026 Federal Budget’s proposed changes for first home buyers and what they could mean for those planning to enter the Australian property market.
- [Case Study: First Home Buyers Share Their Stories on Their Recent Purchases](https://propertyed.com.au/case-study-first-home-buyers-share-their-stories-on-their-recent-purchases/) - Real stories from first home buyers on their recent purchases with practical insights and tips for anyone starting their home‑buying journey.
- [A Scam Can Happen to Anyone: Know the Warning Signs](https://propertyed.com.au/could-you-spot-a-scam-before-its-too-late/) - Think you’d spot a scam? Read Tracy Hall’s story and learn the warning signs and practical steps you can take to protect yourself and your family.
- [I said GYM, not gin!](https://propertyed.com.au/i-said-gym-not-gin/) - I said GYM, not gin! When I told my son James I was buying a gym, he thought I said "gin." Given my love for a good gin, it made more sense. After all, me and the word "gym" don't typically go hand in hand. But several months ago, I teamed up with the phenomenal
- [Financial Stability Helps You Find True Love](https://propertyed.com.au/febnewsletter-financial-stability/) - Financial stability can matter in relationships. Discover how understanding your finances can help you prepare for your next property purchase.
- [What NAB’s Chief Economist Says About the Australian Economy](https://propertyed.com.au/what-nabs-chief-economist-says-about-the-australian-economy/) - NAB Chief Economist Alan Oster shares his outlook on Australia’s economy, including consumer spending, business activity, cash flow and employment trends.
- [Here's a quick update on Interest Rates!](https://propertyed.com.au/heres-a-quick-update-on-interest-rates/) - Quick interest rate update: what’s happening with the official cash rate, lender pricing and how rate trends could affect your home loan and property plans.
- [A Client Story: Victoria's Path to Buying a Home](https://propertyed.com.au/a-client-story-victorias-path-to-buying-a-home/) - Buying a home can take time. Read about Victoria's journey from property search to settlement and how ongoing support helped her along the way.
- [Rules of Investment](https://propertyed.com.au/rules-of-investment/) - When you’re trying to secure finance for an investment property, it’s important to keep a few simple rules in mind to make sure you get the best deal possible and will be able to afford the repayments, come what may. If you’re thinking about purchasing an investment property, it’s important to manage the risks adequately.
- [Federal Budget 2026: Proposed Property Tax Changes for Investors](https://propertyed.com.au/2026-federal-budget-proposed-property-tax-changes-for-investors/) - The 2026 Federal Budget proposed some of the biggest changes to capital gains tax and negative gearing in decades. Here's a breakdown for property investors.
- [Tips for First Home Buyers](https://propertyed.com.au/tips-for-first-home-buyers/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content” inline_fonts=”Poppins”] How We Help First Home Buyers Better Understand Their Loan Options You might have wondered how we help first home buyers through the lending process and better understand
- [Understanding Credit Applications: How a Mortgage Broker Can Help](https://propertyed.com.au/credit-application-anxiety-why-you-need-a-mortgage-broker/) - Reduce credit application stress and discover how a mortgage broker can guide you through the home loan process with confidence and support.
- [How to Use Your Home Equity to Build Your Property Portfolio](https://propertyed.com.au/how-to-use-home-equity-to-build-your-property-portfolio/) - Use your home equity wisely—find out how it can fund your next investment and help you build a stronger property portfolio.
- [What does a mortgage broker do?](https://propertyed.com.au/what-does-a-mortgage-broker-do/) - What does a mortgage broker do? The Property Education Company helps home buyers to understand their loan options and supports the application process.
- [How to Get Pre-Approval for a Home Loan](https://propertyed.com.au/how-to-get-pre-approval-for-a-home-loan/) - How to get pre-approval for a home loan: A first home buyer’s guide to understanding borrowing capacity, building confidence, and managing the process smoothly.
- [The Uncomfortable Truth About Bridging Loans](https://propertyed.com.au/why-you-dont-need-a-bridging-loan/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content” custom_padding=”26px|||||”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content” custom_padding=”2px|||||”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content” inline_fonts=”Poppins”] Why You Don’t Need a Bridging Loan Today I would like to share the story of our client who was trying to upgrade to another property
- [First Home Owner Deposit: What You Need and How to Save](https://propertyed.com.au/first-home-owner-deposit-what-you-need/) - Learn how to save a first home owner deposit, explore low-deposit options, and use government schemes to enter the Australian property market sooner.
- [How to Get Home Loan Ready in 2026](https://propertyed.com.au/be-home-loan-ready/) - Before you buy a house, you need to be prepared. Here’s how to be home loan ready in 2026 and increase your chances of lender approval.
- [Using Your Home to Power Your Business Growth](https://propertyed.com.au/using-your-home-to-power-your-business-growth/) - Need funds for your business? James explains how using home equity could unlock lower rates than a standard business loan
- [How much can I borrow for a home loan?](https://propertyed.com.au/how-much-can-i-borrow-for-a-home-loan/) - How much can I borrow for a home loan in Australia? Discover how lenders assess borrowing power, why borrowing limits vary and how to make smarter decisions.
- [Are mortgage brokers a rip off? We bust the myths](https://propertyed.com.au/are-mortgage-brokers-a-rip-off-we-bust-the-myths/) - Are mortgage brokers a rip off? We bust common myths about mortgage brokers, how they’re paid, and whether using one actually costs you more.
- [How long does it take to buy a home?](https://propertyed.com.au/how-long-does-it-take-to-buy-a-home/) - See how long it really takes to buy a home — typical timelines for pre‑approval, property search, offer acceptance and settlement.
- [Why Choose The Property Education Company to Help Secure Your First Home Loan](https://propertyed.com.au/why-choose-the-property-education-company/) - Looking for a mortgage broker for first home buyers? Here’s why The Property Education Company is trusted by so many to guide new buyers every step of the way.
- [First home buyers: How to be purchase-ready by March 2026](https://propertyed.com.au/buy-your-first-house-in-australia/) - Want to buy your first home by March 2026? The Property Education Company explains what’s new, how to get pre-approval, and how to buy with confidence.
- [Why there is no ‘best’ lender for first home buyers](https://propertyed.com.au/why-there-is-no-best-lender-for-first-home-buyers/) - Why there’s no single best lender for first home buyers and how brokers match you with a home loan for first home buyers that reflects your circumstances.
- [How are mortgage payments calculated?](https://propertyed.com.au/how-are-mortgage-payments-calculated/) - How are mortgage payments calculated? Learn how interest rates, loan size, loan term, and repayments work together, and how lenders calculate what you’ll pay.
- [First home buyer grants and concessions in Victoria: What you need to know in 2026](https://propertyed.com.au/first-home-buyer-scheme/) - From the first home buyer scheme to stamp duty exemptions and help to buy in Australia, find out what options are available for first-time buyers.
- [How First Home Buyer Mortgage Brokers Get Tricky Loans Approved](https://propertyed.com.au/how-first-home-buyer-mortgage-brokers-get-tricky-loans-approved/) - Check out real case studies from a first home buyer mortgage broker who specialises in getting complex deals over the line.
- [How Change and Choice Shape Your Financial Future](https://propertyed.com.au/how-change-and-choice-can-shape-your-future/) - Find out how embracing change and choice can shape your property goals, financial confidence and path to success with practical insights.
- [How Airbnb Can Work for You](https://propertyed.com.au/how-airbnb-can-work-for-you/) - How Airbnb can work for you: explore practical insights on earning extra income, managing short‑term rentals and turning your property into a profitable asset.
- [Homebuying with Conviction - How one Buyers Agent does it!](https://propertyed.com.au/homebuying-with-conviction-how-one-buyers-agent-does-it/) - Explore how a buyer’s agent buys with conviction — expert tips on searching, negotiating and guiding buyers to the right property.
- [Homebuilder Grant - What You Need to Know](https://propertyed.com.au/homebuilder-grant-what-you-need-to-know/) - Get the facts on the HomeBuilder Grant — eligibility rules, grant value and how it helped owner‑occupiers build or renovate homes.
- [Unsure How Much Home You Can Afford? Try Our Repayment Calculator!](https://propertyed.com.au/home-loan-repayment-calculator/) - Calculate your home loan repayments quickly with our easy tool — see how loan amount, interest rate and term affect monthly payments and overall cost.
- [Here's to fixing pandemic fatigue! Plus financial talks on The Maureen Pound Show!](https://propertyed.com.au/heres-to-fixing-pandemic-fatigue/) - Review your loans with confidence and watch Louise’s video for tips on credit, managing accounts, and gaining clarity and peace of mind with money.
- [Have you ever wondered what is HEM?](https://propertyed.com.au/have-you-ever-wondered-what-is-hem/) - Understand the Household Expenditure Measure (HEM) — a lender tool to estimate living costs and influence your borrowing capacity for a home loan.
- [Have you ever dreamed of living overseas?](https://propertyed.com.au/have-you-ever-dreamed-of-living-overseas/) - Property investor Ben Ashcroft-Dinning shares his journey of living overseas and exploring French properties, offering insights on value vs. Australia.
- [Guarantor Loans: How does it work?](https://propertyed.com.au/guarantor-loans-how-does-it-work/) - Guarantor loans explained: how they help you buy with a low deposit, boost borrowing power, avoid mortgage insurance, and key tips for borrowers.
- [Granny Flats, Interest Rates and The Lazy Tax](https://propertyed.com.au/granny-flats-interest-rates-and-the-lazy-tax/) - Granny flats and finance explained — how interest rates, holding costs and potential land tax issues can affect your property investment and cash flow.
- [Giving You Financial Victory: SMSF and Lending Demystified](https://propertyed.com.au/giving-you-financial-victory-smsf-and-lending-demystified/) - Gain financial victory with clear SMSF and lending guidance — understand how self‑managed super funds work with lending, borrowing power and property goals.
- [Get that Contract reviewed BEFORE you sign](https://propertyed.com.au/get-that-contract-reviewed-before-you-sign/) - Don’t sign blind — discover how a contract review can uncover risks, clarify terms and help you negotiate better before committing to a property purchase.
- [Get a Chance to Win a Free Ticket to She Renovates 2023!](https://propertyed.com.au/get-a-chance-to-win-a-free-ticket-to-she-renovates-2023/) - Win a free ticket to She Renovates 2023! Join the giveaway, discover event highlights and get inspired with practical renovation insights and community support.
- [From Low-Doc to Full-Doc: A Case Study of Self-Employed Success](https://propertyed.com.au/from-low-doc-to-full-doc-a-case-study-of-self-employed-success/) - Self‑employed success: how one borrower moved from low‑doc to full‑doc home loan approval with smart planning and lender strategy.
- [Flash Finance Update - Why buying land to build might not be right for you](https://propertyed.com.au/flash-finance-update-why-buying-land-to-build-might-not-be-right-for-you/) - Why buying land to build might not be right for you — finance risks, hidden costs and key things to consider before you buy.
- [Flash Finance Update - No guarantee you can use your Super for a deposit](https://propertyed.com.au/flash-finance-update-no-guarantee-you-can-use-your-super-for-a-deposit/) - Accessing your super for a first home deposit explained — eligibility, rules, benefits and strategies to help you enter the property market sooner.
- [Flash Finance Update - Government to release more places in the First Home Loan Deposit Scheme](https://propertyed.com.au/flash-finance-update-government-to-release-more-places-in-the-first-home-loan-deposit-scheme/) - Government to release more places in the First Home Loan Deposit Scheme — latest update for first home buyers on eligibility and how to boost your buying power.
- [First Home Loan Deposit Scheme Explained](https://propertyed.com.au/first-home-loan-deposit-scheme/) - Understand the First Home Loan Deposit Scheme — eligibility, low deposit benefits and how it can help you get your first home sooner.
- [First Home Buyers - What is available for you](https://propertyed.com.au/first-home-buyers-what-is-available-for-you/) - Learn what’s available to first home buyers — eligibility for grants, low‑deposit Government schemes, concessions and tips for buying your first home.
- [First Home Buyers - Did you know paid rent can be treated as Genuine Savings?](https://propertyed.com.au/first-home-buyers-know-paid-rent-can-treated-genuine-savings/) - Turn your rent into genuine savings! First home buyers can use rental payments to demonstrate saving ability and boost home loan approval chances.
- [First Home Buyers dispel the myth of how hard it is to buy](https://propertyed.com.au/first-home-buyers-dispel-the-myth-of-how-hard-it-is-to-buy/) - First home buyers: dispel the myth that buying is too hard — get practical tips on affordability, grants, and confidence to break into the property market.
- [First Home Buyers: Discover Hidden Grants and Savings!](https://propertyed.com.au/first-home-buyers-discover-hidden-grants-and-savings/) - Learn about hidden grants, rebates and savings for first home buyers to improve affordability and get ahead in your property journey.
- [Finding Your Ideal Home Loan: Mortgage Brokers VS Banks](https://propertyed.com.au/finding-your-ideal-home-loan-mortgage-brokers-vs-banks/) - Learn how mortgage brokers compare to banks — home loan features, fees, service and what works best for your borrowing goals.
- [Finding the Good News in Interest Rates](https://propertyed.com.au/finding-the-good-news-in-interest-rates/) - Get clarity on interest rates and mortgage trends — practical insights for home loans and property decisions in today’s market.
- [January Case Study: Financial Health Check - Is your retirement looking a bit grim?](https://propertyed.com.au/financial-health-check/) - Financial Health Check for home buyers and investors — evaluate your financial situation, borrowing capacity and readiness to enter the property market.
- [Feeling lost in the property market? Let Property Ed be your compass.](https://propertyed.com.au/feeling-lost-in-the-property-market-let-property-ed-be-your-compass/) - Get clarity on today’s property market with PropertyEd’s expert insights and guidance to help you navigate uncertainty and make informed decisions.
- [Leaving your lender, starting small for your first home and exiting an off-the-plan purchase](https://propertyed.com.au/february2019-newsletter/) - Discover practical property and finance tips from PropertyEd’s February 2019 newsletter — including lender choices, first buyer strategies and off‑the‑plan risks.
- [Fast and Frugal February and Workshop](https://propertyed.com.au/february-newsletter/) - Get smart with your finances in February — savings tips, frugal living ideas and details about our upcoming property workshop in this month’s newsletter.
- [Exciting news for SMEs in 2022 (and meeting Dale Beaumont in Fiji!)](https://propertyed.com.au/exciting-news-for-smes-in-2022-and-meeting-dale-beaumont-in-fiji/) - Learn about 2022’s big SME news and our unforgettable Fiji experience with business coach Dale Beaumont in this Flash Finance Update.
- [Explore Financial Changes to Make Your Mortgage More Affordable](https://propertyed.com.au/explore-financial-changes-to-make-your-mortgage-more-affordable/) - Find out practical steps to make your mortgage payments more manageable and watch our helpful video for guidance.
- [Common Home Loan Mistakes to Avoid](https://propertyed.com.au/dont-make-these-mistakes/) - Uncover the top mistakes home buyers often make and learn how to manage the property process confidently and with fewer risks.
- [Don't be caught out by "hidden" costs when purchasing a property](https://propertyed.com.au/dont-be-caught-out-by-hidden-costs-when-purchasing-a-property/) - Avoid nasty surprises: explore the hidden costs when buying property so you can budget confidently and make informed decisions.
- [Meet our Clever Clients](https://propertyed.com.au/december-newsletter/) - Celebrate client property successes from across the region and discover support ideas to help you achieve your next property milestone.
- [Demystifying Loan Fees and Charges: Don't get stuck in the fine print!](https://propertyed.com.au/demystifying-loan-fees-and-charges/) - Learn about loan fees and charges, including what to expect and how understanding costs can improve your loan experience.
- ["I never thought I would buy an investment property - but I did!"](https://propertyed.com.au/december-case-study/) - Discover how a first-time investor purchased their first property, the challenges faced, and the strategies that made it a success.
- [Tired Of High-Interest Debt? Debt Consolidation Can Provide Relief](https://propertyed.com.au/debt-consolidation/) - Discover how debt consolidation can combine your debts into one repayment and potentially improve cash flow, plus what to consider before consolidating.
- [Construction Loans - We've got you covered!](https://propertyed.com.au/constructionloans/) - Discover how construction loans work, what lenders look for, and how to prepare financially before you start building.
- [Coming out of a Mortgage Payment Pause](https://propertyed.com.au/coming-out-of-a-mortgage-payment-pause/) - Learn what comes next after a mortgage payment pause — how to resume repayments, plan for missed payments and stay on track with your home loan journey.
- [Case Study - Client Buys First Home in Her Early 40s](https://propertyed.com.au/client-buys-first-home-in-her-early-40s/) - Discover how a determined first-time buyer in her early 40s finally achieved her dream home — a story of planning, persistence, and confidence.
- [Christmas Presents - Make your list, check it twice!](https://propertyed.com.au/christmas-presents-make-your-list-check-it-twice/) - A fresh take on Christmas presents — make your list, check it twice, and plan smarter, more meaningful choices this festive season without overspending.
- [Christine’s 5% Secret to Buying a Home](https://propertyed.com.au/christines-5-secret-to-home-sweet-home/) - Discover Christine’s 5% secret to creating a true ‘home sweet home’ — a powerful insight to help you feel confident and settled in your space.
- [Cash Rebates, Self-employed applicants & Interest rates](https://propertyed.com.au/cash-rebates-self-employed-applicants-interest-rates/) - Stay updated on cash rebates, self-employed finance tips, and interest rate changes — essential insights for property buyers and investors.
- [Case Study: Clarity Gives You Confidence When Buying](https://propertyed.com.au/casestudyclarity/) - Clarity and mortgage advice helped a first-time property investor buy with confidence — read this real client success story from The Property Education Company.
- [Case Study - Young couple review their expenses and save $10K per annum](https://propertyed.com.au/case-study-young-couple-review-their-expenses-and-save-10k-per-annum/) - See how a young couple reviewed their expenses and saved $10K per year, with practical tips on budgeting, cash flow, and smarter financial planning.
- [Case Study - Young Couple Purchase Their 8th Property](https://propertyed.com.au/case-study-young-couple-purchase-their-8th-property/) - Discover how a couple in their 30s built a portfolio of eight properties, their buying criteria, finance strategy, and lessons learned along the way.
- [Case Study - Young couple buys their 1st Investment Property](https://propertyed.com.au/case-study-young-couple-buys-their-1st-investment-property/) - Discover the journey of a young couple buying their first investment property, including tips, insights, and lessons for aspiring investors.
- [Case Study: White Ants saved us Money $$](https://propertyed.com.au/case-study-white-ants-saved-us-money/) - Learn how clients leveraged a building and pest insight to negotiate a lower price on a home with white ants, saving money and fixing the issue cost‑effectively.
- [Case Study: Trust a Broker to Deliver Right Results for Clients](https://propertyed.com.au/case-study-trust-broker-deliver-right-results-clients/) - A real case study showing why clients rely on trusted brokers for better loan outcomes, refinance strategy, and investment property success.
- [Case Study - The Journey of a Single Mum Property Investor](https://propertyed.com.au/case-study-the-journey-of-a-single-mum-property-investor/) - Follow the journey of a single mum property investor, with real insights on strategy, confidence, and building wealth through smart property decisions.
- [Case Study - Single mum substitutes security to keep her family in their own home](https://propertyed.com.au/case-study-single-mum-substitutes-security-to-keep-her-family-in-their-own-home/) - A real case study showing how a single mum substituted security to stay in her home, with tips on loan options and confident decision-making.
- [Case Study - Small Business and Lending](https://propertyed.com.au/case-study-small-business-and-lending/) - See how small business lending can work in real life, with a case study highlighting financing solutions, lender strategy, and business growth tips.
- [The Truth About Rising Property Values — Plus an URGENT Update!](https://propertyed.com.au/the-truth-about-rising-property-values/) - Rising property values explained: Terry Ryder reveals how demand, supply, infrastructure, and lifestyle changes are shaping the market and your opportunities.
- [Case Study: Purchasing Property after Divorce](https://propertyed.com.au/case-study-purchasing-property-after-divorce/) - Discover how one client successfully purchased property post-divorce with smart planning, lender guidance, and practical lessons for your journey.
- [Case Study: Journey of a Long Term Property Investor to Mortgage Broker and Mentor](https://propertyed.com.au/case-study-journey-of-a-long-term-property-investor-to-mortgage-broker-and-mentor/) - A real case study of a property investor-turned-broker and mentor, with tips on investing, leveraging equity, and building a successful property journey.
- [Case Study: How Security Substitution works](https://propertyed.com.au/case-study-how-security-substitution-works/) - Learn how security substitution (loan portability) can help you keep your existing home loan when buying a new property, with real client insights.
- [Case Study: How Clients Saved on LMI](https://propertyed.com.au/case-study-how-clients-saved-on-lmi/) - A real case study showing how strategic refinancing and planning helped clients reduce LMI and secure a better loan for their family home
- [Case Study -  Construction Loan for a Renovation](https://propertyed.com.au/case-study-construction-loan-for-a-renovation/) - See how a construction loan helped fund a significant renovation project, with insights on staging, builder invoicing, and lender requirements.
- [Case Study: First Home Buyer Gets The Lot](https://propertyed.com.au/case-study-first-time-home-buyer-gets-the-lot/) - First‑time buyer case study: learn how Nick used government grants, exemptions, and guidance to boost savings and secure his first property.
- [Case Study - Buying Over the Christmas New Year Season](https://propertyed.com.au/case-study-buying-over-the-christmas-new-year-season/) - Learn how one buyer successfully purchased property over Christmas, with practical tips and key lessons for buying during the festive season.
- [Case Study: Borrowing Later in Life](https://propertyed.com.au/case-study-borrowing-when-you-are-older/) - Case study on borrowing when you’re older: real insights on refinance strategies, lender requirements, and planning your loan exit strategy confidently.
- [Case Study: Anthony Purchases His 6th Investment Property](https://propertyed.com.au/case-study-anthony-purchases-6th-investment-property/) - Follow Anthony’s journey to buying his 6th investment property, including his approach, research tips, and advice for aspiring property investors.
- [Case Study: A First Home Buyer's Journey to Success](https://propertyed.com.au/case-study-a-first-home-buyers-journey-to-success/) - See how a first home buyer achieved success with our team's support, practical insights, and confidence in their home-buying journey.
- [Buying a Property Sight Unseen - First Home Buyer shares her experience](https://propertyed.com.au/buying-a-property-sight-unseen/) - Discover practical guidance on buying a property sight unseen, from doing thorough research to managing risks and making informed decisions.
- [Buy an INVESTMENT property like you are Dustin Martin](https://propertyed.com.au/buy-an-investment-property-like-you-are-dustin-martin/) - Discover how to approach buying an investment property with confidence, using lessons inspired by Dustin Martin’s property investing mindset.
- [Breaking Up With Your Bank: Tips for Refinancing Confidently](https://propertyed.com.au/breaking-up-with-your-bank/) - Our client, Danielle, shares her refinance journey, practical tips for “breaking up with your bank,” and advice on exploring better options.
- [2018 Property Wrap: Our Highlights and Milestones](https://propertyed.com.au/boom-shakalak-the-year-that-was/) - Happy New Year! We reflect on 2018’s property milestones, celebrate client successes, and look forward to helping you achieve even more in 2019.
- [Big News! Interest Rate Reduction and What It Means for You](https://propertyed.com.au/big-news-interest-rate-reduction-and-what-it-means-for-you/) - Interest rates have dropped—learn what it means for your home loan repayments, borrowing power, and how to take advantage with expert guidance.
- [Best Property & Finance Apps and Websites](https://propertyed.com.au/best-useful-apps-websites-i-have-found/) - Explore a curated list of practical apps and websites that can make property search, budgeting, and planning easier and more efficient.”
- [Spring Property Prep, Rentvesting & Refinance](https://propertyed.com.au/aug2019-newsletter/) - Explore market trends, lending news, and practical property insights in the August 2019 PropertyEd newsletter to stay informed and make smarter choices.”
- [Worried About Interest Rates?](https://propertyed.com.au/are-you-scared-about-interest-rates/) - Worried about rising interest rates? Learn practical insights and strategies to manage your mortgage and stay confident in uncertain markets.
- [Renovation Loans, Pets & Home Loan Features](https://propertyed.com.au/april2019-newsletter/) - Learn about renovation loans, managing pets in rental properties, and important home loan features in this April 2019 newsletter.
- [April 2016 Newsletter](https://propertyed.com.au/april-2016-newsletter/) - Read our April 2016 PropertyEd newsletter for expert property insights, market updates, tips and news to help you with your property and finance decisions.
- [Meet Penny (Plus Your Top Refi Rate Questions Answered)](https://propertyed.com.au/answered-your-most-burning-questions-about-penny-a-killer-new-refi-rate/) - Meet Penny Morton, our new broker with 20 years’ finance experience, as she shares her insights on the current lending market and trends.
- [Mortgage Offers For Healthcare Professionals](https://propertyed.com.au/amazing-mortgage-offers-for-healthcare-professionals/) - Healthcare professional? You may qualify for exclusive mortgage offers with lower deposits and possible LMI waivers—making homeownership more achievable.
- [A Very Special Client Referral Thank You Dinner](https://propertyed.com.au/a-very-special-dinner-to-thank-our-best-clients-who-refer-new-clients/) - A special client referral thank you dinner to show our appreciation, connect with valued clients, and celebrate a year of success together.
- [Fixed Home Loan Rates Explained in 5 Minutes](https://propertyed.com.au/a-quick-5-minutes-on-fixed-rates/) - Understand fixed mortgage rates in minutes—how they work, when they make sense, and what they mean for your loan strategy.
- [9 Home Loan Application Hacks to Know Before You Apply](https://propertyed.com.au/9-loan-application-hacks-you-need-to-know-before-you-apply/) - Learn 9 essential hacks for your home loan application to boost confidence, avoid mistakes, and be better prepared before you submit your home loan request.
- [7 Things to Do When House Hunting This Weekend](https://propertyed.com.au/7-things-to-do-this-weekend-when-looking-for-a-new-home/) - House hunting this weekend? Follow these 7 tips to stay organised and make your property search more effective.
- [7 Steps to a Successful Home Loan Application](https://propertyed.com.au/7-fundamental-steps-to-a-quick-and-easy-loan-application/) - Learn the 7 fundamental steps to a smooth home loan application and how to prepare confidently for the process from start to finish.
- [5 Reasons to Buy a New Home at Christmas](https://propertyed.com.au/5-reasons-to-buy-a-new-home-in-the-christmas-holidays/) - Thinking of buying a new home at Christmas? Discover 5 smart reasons why the holiday season could be the perfect time to purchase a new home.
- [Managing Interest Rate Rises on Your Home Loan](https://propertyed.com.au/3-things-you-can-do-to-combat-interest-rate-rises/) - Learn how to manage interest rate rises on your home loan with practical strategies to reduce stress, protect cash flow, and stay in control.
- [3 Biggest Mistakes People Make When Getting A Loan](https://propertyed.com.au/3-biggest-mistakes-people-make-when-getting-loan/) - Discover the 3 biggest mistakes people make when getting a loan and learn how to avoid costly financial errors for smarter borrowing decisions.
- [Using 2022 Returns to Strengthen Your Home Loan](https://propertyed.com.au/2022-returns-yes-you-can-still-use-them/) - Discover why 2022 financial returns are still accepted by many lenders — and learn how you can use them today to support your home loan or financing application
- [2021 Highlights and some exciting news for First Home Buyers](https://propertyed.com.au/2021-highlights-and-some-exciting-news-for-first-home-buyers/) - Big update for first home buyers. NAB releases 1,200 new First Home Buyer Deposit Scheme places, helping low-deposit buyers purchase sooner and avoid LMI.
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- [15 Questions to Ask Before Buying Property](https://propertyed.com.au/15-questions-to-ask-before-buying-property/) - Learn the 15 essential questions to ask a real estate agent before buying property to ensure proper due diligence and a confident, informed decision.
- [Buying Off-The-Plan: What You Need to Know](https://propertyed.com.au/buying-off-the-plan-what-you-need-to-know/) - Buying off-the-plan can add complexity to homeownership. Here is a real case study with client Stephanie, exploring key challenges and opportunities.
- [A Big Week for First-Home Buyers — James Included](https://propertyed.com.au/a-big-week-for-first-home-buyers-james-included/) - We celebrated a big week with three first home buyers reaching their goal — plus James purchasing his first home as well.
- [Are YOU owed a refund on “junk” insurance?](https://propertyed.com.au/are-you-owed-a-refund-on-junk-insurance/) - The Financial Services Royal Commission highlights ‘junk’ Consumer Credit Insurance (CCI) and its issues in banking, superannuation, and finance.
- [Your Ultimate Guide to the 2025 Housing Market Cup](https://propertyed.com.au/your-ultimate-guide-to-the-2025-housing-market-cup/) - It’s Melbourne Cup time, but the real race is in property! 🏡 John Lindeman reveals what’s hot and what’s not in this week’s Lindeman Report.
- [Self-Managed Super Fund: 7 Smart Reasons to Consider](https://propertyed.com.au/7-key-reasons-to-consider-a-self-managed-super-fund/) - Learn the 7 key benefits of a Self-Managed Super Fund and find out whether an SMSF could be the right strategy for building wealth and securing your future.
- [Buying Your First Home: 5 Key Steps You Need to Know](https://propertyed.com.au/5-key-steps-in-buying-your-first-home/) - Struggling with rising rent in Australia? Learn the top mistakes first home buyers make and discover key tips in buying your first home with confidence.
- [The Best Tech Tools for Property Investors](https://propertyed.com.au/the-best-tech-tools-for-property-investors/) - Discover the best tech tools every property investor should know—boost your research, sharpen your strategy and invest with confidence.
- [Need Only ONE YEAR of BONUS Income - Finance Rules Changing](https://propertyed.com.au/need-only-one-year-of-bonus-income/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”11px|||||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”14px|||||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.27.5″ link_font=”Poppins||||||||” header_font_size=”46px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”|||8px||” hover_enabled=”0″ inline_fonts=”Poppins” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Only ONE YEAR of BONUS Income Needed – Finance Rules Changing In this week’s Flash Finance Update, we’d like to share
- [How to Avoid Rate Shock](https://propertyed.com.au/how-to-avoid-rate-shock/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”2px|||||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.27.4″ link_font=”Poppins||||||||” header_font_size=”55px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ inline_fonts=”Poppins” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] How to Avoid Rate Shock If you are coming off a low fixed-rate loan later this year, it might be time to start
- [The Surprising Way AI Is Like Teenage Sex — Explained](https://propertyed.com.au/the-surprising-way-ai-is-like-teenage-sex-explained/) - We attended the Connective Mortgage Broker State Conference—learning, connecting, and exploring fresh ideas (plus eye-opening AI insights from Michael McQueen!)
- [Lessons from the Camino: Patience, Persistence, and Property](https://propertyed.com.au/lessons-from-the-camino/) - A 100km walk can teach you a lot about life — and even more about building lasting wealth through property, one steady, patient step at a time.
- [Unlock Your First Home Dreams: Monopoly Style!](https://propertyed.com.au/unlock-your-first-home-dreams-monopoly-style/) - Unlock the secrets to homeownership with our Monopoly-inspired approach. Explore practical tips and strategies to make your first home dreams a reality.
- [How to Avoid Common Pitfalls in Property Investment (Part 1)](https://propertyed.com.au/how-to-avoid-common-pitfalls-in-property-investment-part1/) - Avoid costly mistakes in property investing—discover the pitfalls most people face and how you can get ahead, even if you're just starting out.
- [7 Biggest Mistakes Property Investors Make](https://propertyed.com.au/7-biggest-mistakes-investors-make/) - Avoid the seven most common mistakes property investors make—get smart, steer clear of pitfalls and build a stronger portfolio.
- [10 Finance Secrets Every 2025 Property Investor Should Know!](https://propertyed.com.au/10-finance-secrets-every-2025-property-investor-should-know/) - Discover 10 must-know finance secrets for property investors in 2025—boost your borrowing power, avoid common pitfalls and get ahead of the game.
- [EOFY Car Deals: We Help You Find & Finance Your Dream Ride](https://propertyed.com.au/eofy-car-deals-are-on/) - EOFY car deals are on — upgrade your ride, find great discounts and get tailored car-finance support to make your dream vehicle a reality.
- [🏝️ In Paradise: Visiting the Philippines](https://propertyed.com.au/in-paradise-visiting-the-philippines/) - Thanks to everyone who joined our latest property tax webinar with Leah Supple! It was packed with practical insights and fantastic feedback.
- [Meet the Dream Team Behind Your Property Journey](https://propertyed.com.au/meet-the-dream-team-behind-your-property-journey/) - Meet the team who’ll guide your property journey every step of the way—experienced, friendly, and here to make home-buying effortless.
- [Updates on Property, Tax Time, and Buy Now Pay Later changes](https://propertyed.com.au/the-latest-on-property-tax-time-and-bnpl-changes/) - Big changes are happening across the property market, tax returns, and new Buy Now Pay Later regulations—here’s what you need to know and how to prepare.
- [Property Market Shake-Up: What It Means for YOU](https://propertyed.com.au/property-market-shake-up-what-it-means-for-you/) - Market conditions are changing—get the inside track on what’s happening in property and what you should do to make the most of it.
- [Lower Rates Coming? Here's What You Need to Do Now](https://propertyed.com.au/lower-rates-coming-heres-what-you-need-to-do-now/) - Lower rates are on the horizon—discover how to prepare, review your loan, and take advantage of new opportunities to save.
- [How We Helped Clients Save $54K and Buy Their Dream Homes](https://propertyed.com.au/big-client-wins-youll-want-to-see/) - See how our clients saved big—over $54K in interest and secured their dream homes with our expert guidance. Real wins, real results!
- [The One Habit That Separates Wealth Builders from Everyone Else](https://propertyed.com.au/the-one-habit-that-separates-wealth-builders-from-everyone-else/) - Discover the simple habit that separates true wealth builders from the rest — it’s not luck or timing, but a smarter way to grow through property.
- [Hidden Liabilities: The Borrowing Trap Most People Miss](https://propertyed.com.au/hidden-liabilities-the-borrowing-trap-most-people-miss/) - Discover the hidden costs behind low-rate loans. James shares how to compare lenders, spot extra fees, and avoid common borrowing traps that cost you more.
- [Unlock Opportunities with a Personal Loan—Here’s How!](https://propertyed.com.au/unlock-opportunities-with-a-personal-loan-heres-how/) - Unlock your potential with a personal loan! Learn how to leverage financial opportunities and make informed decisions for your future today.
- [Unlock Your Super Fund’s Potential: How We Can Help!](https://propertyed.com.au/unlock-your-super-funds-potential-how-we-can-help/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”||8px|||” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][/et_pb_post_title][et_pb_text admin_label=”Text” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Are you considering purchasing property through your super fund or refinancing an existing loan? Managing the complexities of super fund loans can feel overwhelming—but it
- [Invest Smarter: Negative Gearing and Interest-Only Loans Explained](https://propertyed.com.au/invest-smarter-negative-gearing-and-interest-only-loans-explained/) - Explore the intricacies of negative gearing and interest-only loans. Equip yourself with knowledge to invest smarter and maximize your financial returns.
- [How NOT to be Paying Your Loan Off at 70](https://propertyed.com.au/how-not-to-be-paying-your-loan-off-at-70/) - Learn how to break free from long-term loan payments. Our guide offers essential advice to help you manage debt and secure your financial independence.
- [Unveiling The Secrets: Questions To Ask Your Agent](https://propertyed.com.au/unveiling-the-secrets-questions-to-ask-your-agent/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”||-15px|||” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.2″ _module_preset=”default” text_orientation=”center” text_shadow_style=”preset1″ text_shadow_horizontal_length=”-0.01em” global_colors_info=”{}”][/et_pb_post_title][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” custom_margin=”|140px||auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”|||0px||” global_colors_info=”{}”]Finding the right real estate agent can be a game-changer in your home-buying or selling journey.
- [Monopoly Moves: How to Grow Your Property Portfolio](https://propertyed.com.au/monopoly-moves-how-to-grow-your-property-portfolio/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”||-15px|||” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][/et_pb_post_title][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” custom_margin=”|112px||auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”]In today’s blog, we’ll explore quick strategies and tips for growing your property portfolio, drawing inspiration from the classic board
- [Mortgage Rates Forecast: How To Take Advantage](https://propertyed.com.au/mortgage-rates-forecast-how-to-take-advantage/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”||8px|||” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][/et_pb_post_title][et_pb_text admin_label=”Text” _builder_version=”4.27.2″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] My choir is singing in London next month and I’ve come early to enjoy warmer weather but naturally, Melbourne warms up the minute I leave.
- [The Mortgage Secret You Can't Afford to Miss](https://propertyed.com.au/the-mortgage-secret-you-cant-afford-to-miss/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”||-15px|||” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][/et_pb_post_title][et_pb_text _builder_version=”4.27.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] Buying a home is one of the most significant financial decisions you’ll ever make. It’s more than just a place to live; it’s an investment that can appreciate over
- [What Makes a Great Property](https://propertyed.com.au/what-makes-a-great-property/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”||-15px|||” custom_padding=”||0px|||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_post_title][et_pb_text _builder_version=”4.27.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] Last July, we hosted a webinar titled “How to Buy Your First Property in 2024.” It was a huge success and we thought it
- [What Happens on Settlement Day](https://propertyed.com.au/what-happens-on-settlement-day/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title _builder_version=”4.27.0″ _module_preset=”default” meta=”off” featured_image=”off” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_post_title][et_pb_text _builder_version=”4.27.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Buying your first home is a thrilling experience! But settlement day, the final hurdle before getting the keys, can feel overwhelming. In today’s Flash Finance Update, we break
- [Pros and Cons of Fixed vs. Variable Rate Mortgages](https://propertyed.com.au/pros-and-cons-of-fixed-vs-variable-rate-mortgages/) - Pros and Cons of Fixed vs. Variable Rate Mortgages Our team is beaming with pride after receiving our 2024 National Australian Achiever Award for Finance and Insurance Services 🏆. We're thrilled to be recognized for our commitment to you! Thanks for inspiring us to deliver award-winning service. Experience the Award-Winning Difference! See why our team
- [Mortgage Options for Self-Employed Individuals](https://propertyed.com.au/mortgage-options-for-self-employed-individuals/) - [et_pb_section fb_built=”1″ _builder_version=”4.18.1″ custom_margin=”|-50px|-20px|-20px|false|false” custom_padding=”20px||6px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”|auto|1px|auto||” custom_padding=”4px||18px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_post_title][et_pb_text ul_item_indent=”45px” _builder_version=”4.18.1″ text_line_height=”1.5em” ul_line_height=”1.5em” header_5_font=”Montserrat||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”-15px|||||” inline_fonts=”Montserrat” global_colors_info=”{}”] This week’s newsletter finds me sipping a coffee at the charming Freckle Cafe in the noted “Sapphire Area” – Inverell, a
- [Preparing your Finances for the End of Financial Year](https://propertyed.com.au/preparing-your-finances-for-the-end-of-financial-year/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”||-20px|||” custom_padding=”20px||6px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”|auto|1px|auto||” custom_padding=”4px||18px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_post_title][et_pb_text ul_item_indent=”45px” _builder_version=”4.18.1″ text_line_height=”1.5em” ul_line_height=”1.5em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”-15px|||||” global_colors_info=”{}”] The financial year is winding down, and for many, it can be a time of stress. But fear not! With some simple preparation,
- [Smart Strategies to Pay Off Your Mortgage Faster](https://propertyed.com.au/smart-strategies-to-pay-off-your-mortgage-faster/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”0px||40px|||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_post_title][et_pb_text admin_label=”Text” _builder_version=”4.18.1″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”] First off, we just wanted to send a huge thank you to all of you who joined us for our referral dinner
- [We Won the 2024 Achiever Award! Plus Your Mortgage Broker FAQs Answered!](https://propertyed.com.au/your-mortgage-broker-faqs-answered/) - [et_pb_section fb_built=”1″ _builder_version=”4.18.1″ custom_margin=”||-20px||false|false” custom_padding=”20px|26px|35px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.18.1″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”|78px|1px|auto|false|false” custom_padding=”4px|1px|18px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.18.1″ _module_preset=”default” width=”100%” max_width=”100%” custom_margin=”|8px||||” global_colors_info=”{}” theme_builder_area=”post_content”][/et_pb_post_title][et_pb_text ul_item_indent=”45px” admin_label=”Text” _builder_version=”4.18.1″ text_line_height=”1.8em” ul_line_height=”1.8em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”105%” max_width=”105%” custom_margin=”|33px||||” global_colors_info=”{}” theme_builder_area=”post_content”] We’re thrilled to announce that The Property Education Company has been named the
- [Loan Mythbusters: Debunking Common Misconceptions About Property Loans](https://propertyed.com.au/loan-mythbusters-debunking-common-misconceptions-about-property-loans/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”] Loan Mythbusters: Debunking Common Misconceptions About Property Loans In today’s Flash Finance Update, we debunk some common misconceptions about loans and property buying and empower you to take charge of your path to homeownership. We discuss everything from interest rates dilemmas to credit score confusion, separating fact from
- [Loan Pre-Approval: Why It Matters](https://propertyed.com.au/loan-pre-approval-why-it-matters/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.18.1″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” inline_fonts=”Caveat” global_colors_info=”{}”]Loan Pre-Approval: Why It Matters Last night’s Referral Dinner was a blast! It was fabulous celebrating our wonderful clients who are not only such lovely friends now, but also great referrers for The
- [Understanding Your Credit Score for Mortgages](https://propertyed.com.au/understanding-your-credit-score-for-mortgages/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”||-20px|||” custom_padding=”20px||11px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”|auto|1px|auto||” custom_padding=”4px||18px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_post_title][et_pb_text ul_item_indent=”45px” _builder_version=”4.18.1″ text_line_height=”1.5em” ul_line_height=”1.5em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”-15px|||||” global_colors_info=”{}”] In today’s Flash Finance Update, we’ll explore the role of your credit score and introduce the “5 C’s of Credit,” a framework lenders
- [How to Fix Loan Documents for home loans application Like A BOSS!](https://propertyed.com.au/how-to-fix-loan-documents-like-a-boss/) - After another frantic week at the coal face, I am delighted to introduce Shey Capitan from our Cebu Team. Shey previously had experience working with lots of Aussie Companies including a credit assessment company and now helps us with our home loans application documents. I am thrilled to introduce our team members so you know
- [We Just Saved Our Client $163,436.40!💰](https://propertyed.com.au/we-just-saved-our-client-163436-40/) - We Just Saved Our Client $163,436.40! Ally recently met a client looking to consolidate her debts to a lower interest rate and release the equity in her existing property to purchase another investment. Not only has Ally been able to save this client $163,436.40 over the life of the loan, she was also able to
- [What is a Bridging Loan?](https://propertyed.com.au/july-newsletter-bridging-loan/) - Newsletter July 2016 Bridging Loans - a bridge too far? Bridging loans have a reputation that they are scary and expensive and for some that is exactly what they can feel like. Many people who take this path regret the decision and feel the stress and pressure it places on them. They can feel forced
- [How to Buy Your First Home in Lockdown](https://propertyed.com.au/how-to-buy-your-first-home-in-lockdown/) - Most purchasers are busy complaining about how the market is moving too quickly for them and how impossible it is to buy with lockdowns and no open for inspections. But not our client Holly Boyle who has bought sight unseen for her first home in Melbourne just this last month. The right house will come
- [Refinancing, Selling and Purchasing with a Guarantor all on the same deal!](https://propertyed.com.au/refinancing-selling-and-purchasing-with-a-guarantor-all-on-the-same-deal/) - Sometimes people just are desperate to move before they have all their ducks in a row and as such, we were recently able to help Kerri-Ann and Rodrigo purchase a new family home and even save money by helping them with their offer. Despite real estate agents insisting on no finance clause, the vendor agreed
- [Inspiring First-time Homebuyer Success Journey of Jesse](https://propertyed.com.au/inspiring-first-time-homebuyer-success-journey-of-jesse/) - In today's Flash Finance Update, I am excited to introduce the wonderful Jesse Waterman who has been our client for a long time but only had success recently. We want to talk about his journey so others are inspired to hang on and keep going. Jesse is pleased to share how happy he is being
- [The Secret Weapon Homebuyers Don't Know About (It's Not Your Bank!)](https://propertyed.com.au/the-secret-weapon-homebuyers-dont-know-about-its-not-your-bank/) - The Secret Weapon Homebuyers Don't Know About (It's Not Your Bank!) Amazingly, some people still do not know what brokers do. Think of us as your home loan guide. We simplify the process and connect you with the most suitable loan for your needs. Here's how: Benefits of Using a Broker: The home loan landscape is changing!
- [Unlock Your Homebuying Power: The Pre-Approval Advantage](https://propertyed.com.au/unlock-your-homebuying-power-the-pre-approval-advantage/) - Unlock Your Homebuying Power: The Pre-Approval Advantage The thrill of buying your first home is unmatched! But navigating the market can feel overwhelming. In today's Flash Finance Update, Louise and James briefly talk about pre-approvals and how useful they are when buying a first home property. Watch the video below to learn more Download the Transcript | Read
- [Mortgage Makeover: Refinancing 101](https://propertyed.com.au/mortgage-makeover-refinancing-101/) - Mortgage Makeover: Refinancing 101 Did you know you might be missing out on hidden opportunities to save on your mortgage? In today's Flash Finance Update, we're here to shed some light on the world of refinancing and answer your basic questions with a crash course on "Refinancing 101." Get ready to unlock potential savings and
- [Is your home loan healthy and are you happy?](https://propertyed.com.au/is-your-home-loan-healthy-and-are-you-happy/) - Every now and then, it makes sense to see if you could save on your home loan and if your current home loan is still right for you. So if you tick ‘Yes’ to one or more of the questions below, it’s time to call us for a home loan health check!
- [Why the First Home Buyer Scheme is a Game Changer](https://propertyed.com.au/why-the-first-home-buyer-scheme-is-a-game-changer/) - Why the First Home Buyer Scheme is a Game Changer Here's an exciting news for all aspiring homeowners! The First Home Buyer Scheme is here to turn your dream into a reality! It's a fantastic initiative designed to make owning your first home more achievable than ever before. This scheme offers a range of benefits,
- [How to Make 2024 The Best Year of Your Life](https://propertyed.com.au/how-to-make-2024-the-best-year-of-your-life/) - How to Make 2024 The Best Year of Your Life Welcome back from the holidays! We at The Property Education Company are here to empower your financial journey in 2024. First off, a huge thank you for being such valued clients! To celebrate the year gone by, check out our fun infographic (designed by the
- [Your Credit File: Tips from a Professional (& Why You Need to Use a Broker!)](https://propertyed.com.au/your-credit-file-tips-from-a-professional/) - Your Credit File: Tips from a Professional (And Why You Need to Use a Broker!) In today's Flash Friday Finance Update, I am delighted to welcome Richard Atkinson from illion. Richard is the General Manager of illion's Open Banking Solutions. illion has a range of solutions for customers in the credit lending space, be they
- [The Ultimate Guide to Small Business Loans](https://propertyed.com.au/the-ultimate-guide-to-small-business-loans/) - The Ultimate Guide to Small Business Loans In our latest Flash Friday Finance Update, we were thrilled to sit down with John Clifford, from Lumi. Lumi provides small business loans Fast. While John has worked in this area for 6 years, Lumi is a relative newcomer in the fintech arena compared with other Companies. Our
- [The Biggest Issues Renovators Face in Finance](https://propertyed.com.au/the-biggest-issues-renovators-face-in-finance/) - The Biggest Issues Renovators Face in Finance The She Renovates Live Conference was a huge success and we had about 500 people registered for the online event last Monday. In today's Flash Finance Update, I am delighted to share with you what I discussed at the conference. If you are interested in learning about the
- [Sick of interest rates rises?](https://propertyed.com.au/sick-of-interest-rates-rises/) - Sick of interest rates rises? 3 things in this newsletter: 1. Interest rates, 2. Buy our book on Probate, 3. Me speaking Filipino in a video due to the power of AI!! See below. Ever spent an hour on the phone with a bank and felt like you were navigating a labyrinth? That was me
- [Why NOW is a good time to BUY](https://propertyed.com.au/why-now-is-a-good-time-to-buy/) - Why NOW is a good time to BUY Watch our Flash Finance Update videos on Facebook | YouTube | Website | Disclaimer | Transcript In this week's Flash Finance Update, I am absolutely thrilled to introduce you to the wonderful John Lindeman. John has been researching the Australian property market for over 20 years and he has a really interesting background in stats. Check out our information-packed
- [What's happening in the housing market today](https://propertyed.com.au/whats-happening-in-the-housing-market-today/) - What's happening in the housing market today Lots of valuable things to share in today's Flash Finance Update where our wonderful client, Leanne Petersen, talks about her view on the market and what's currently happening. Leanne is a town planner from New South Wales, and she does a lot of work in New South Wales
- [How to Buy Your First Property Investment in 2023 - Part 1](https://propertyed.com.au/how-to-buy-your-first-property-investment-in-2023-part-1/) - Last July, we successfully conducted a webinar called How to Buy Your First Property Investment. Today, we are delighted to share with you a few excerpts from that webinar around the topic of loan preparation and deposits. If you missed that webinar and are interested in learning more, we highly recommend you check out this
- [What's the latest on Refinancing?](https://propertyed.com.au/whats-the-latest-on-refinancing/) - In today's Flash Finance Update, I thought we should help and send out a message regarding the latest updates that are happening with refinancing, and what options are available. With the changes in servicing that have been happening lately, the lenders have come up with alternative ways of getting around the new refinance criteria. Check out
- [What You Need to Know About Depreciation](https://propertyed.com.au/what-you-need-to-know-about-depreciation/) - Today we are joined by the wonderful Tyron Hyde who runs a business called Washington Brown Quantity Surveyors. Tyron has shared some tips for people who are investing in property, the things you should be looking out for, the best things that you get maximum depreciation for, and what you should do to a property to maximize your benefit.
- [How to Escape Mortgage Prison](https://propertyed.com.au/how-to-escape-mortgage-prison/) - In this week's Flash Finance Update, I am delighted to introduce you to the wonderful Laurence Hugo of Credit Mediation Services. Laurence helped numerous clients of ours to huge satisfaction. They were people who were under the threat of losing houses or their whole financial future was in disarray. People come to him and get
- [Lots happening in Finance ATM - Check this out!](https://propertyed.com.au/lots-happening-in-finance-atm-check-this-out/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.18.1″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” min_height=”2473.1px” custom_padding=”0px|||0px||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.1″ text_font_size=”19px” text_line_height=”1.8em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”justified” min_height=”2696.9px” custom_padding=”|||0px||” global_colors_info=”{}” theme_builder_area=”post_content”]Finance is a wild ride at the moment, with lenders making changes to policies daily, so keeping up is a constant
- [OVERSPEND AT CHRISTMAS? 6 Ways that May Help You Reduce Debt](https://propertyed.com.au/overspend-at-christmas-6-ways-that-may-help-you-reduce-debt/) - With inflation soaring (gosh I'm sounding like a regular bad news newspaper) and fear setting in after a relatively joyful Christmas - everything is better post-Covs - it’s easy to have overspent without realising it or maybe you do. Well, here are six steps to take to crush your post-Christmas debt hangover: 1. Complete an
- [Meet the Team behind the Success of your Loans](https://propertyed.com.au/meet-the-team-behind-the-success-of-your-loans/) - In today's Flash Finance Update, I introduce you to my team -- the lovely ladies who process your documents from beginning to end. We had an awesome week at the beautiful Shangri-La Hotel in Cebu, Philippines, where we had trainings and meetings - making sure we improve our procedures even further and be able to
- [What's the latest in Finance?](https://propertyed.com.au/whats-the-latest-in-finance/) - It's the middle of February and we wanted to give you an update and some fresh insights on how to keep up with the latest in finance. In this Flash Finance Update, I also share with you some tips on what NOT to do especially in the midst of this media frenzy. Below are also
- [What is Genuine Savings?](https://propertyed.com.au/what-is-genuine-savings/) - In today's Flash Finance Update, Caitlyn talks about what is genuine savings and discusses a few tips that are helpful when you apply for a loan to buy your first property. Louise and Caitlyn also share a particular case study in which someone couldn't prove they had genuine savings, and what happened because of that.
- [What's up this week?](https://propertyed.com.au/whats-up-this-week/) - In today's update, we thought it would be fun to share with you what an exciting week this has been. What's up this week? First off, we had an awesome time Wednesday evening hosting the webinar "How to Buy Your First Property in 2023". Below is a snippet of my discussion with Ben Mitchell of
- [Legal nightmares to be wary of for Property Buyers](https://propertyed.com.au/legal-nightmares-to-be-wary-of-for-property-buyers/) - In today's Flash Finance Update, I'm delighted to welcome Elizabeth Michael who works and owns City Pacific Lawyers in Victoria and has been a lawyer for about 30 years. We were discussing legal nightmares for first home buyers, and we thought we should share some of her insights into how to protect yourself and particularly
- [How we avoid the lazy TAX and getting you $250](https://propertyed.com.au/how-we-avoid-the-lazy-tax-and-getting-you-250/) - Here's a quick short one this week on lazy tax and how to avoid it, how we can help you with it, and what our secret weapon is when it comes to pricing. We also share a way for you to make $250 from the government. Watch our video below if you are interested to
- [How to Settle Loans Post-Divorce](https://propertyed.com.au/how-to-settle-loans-post-divorce/) - In today's Flash Finance Update, one of our wonderful clients, Wendy, shares her experience in settling on loans post-divorce and buying a property at the same time. Watch our video below and find out what you can do and how we can help you when faced with some challenges or difficult circumstances. We'd also like
- [Should I fix my rates?](https://propertyed.com.au/should-i-fix-my-rates/) - In this Flash Friday Finance Update, I review rates on offer and give some guidance on how you decide what to do. So if you are worried about your current rate check this out. Note while most lenders have raised their rates the same amount as the RBA in the most recent rise - 0.5%,
- [Interest Rates Rises - What you can do about them](https://propertyed.com.au/interest-rates-rises-what-you-can-do-about-them/) - It's the middle of November and I thought we should address the big elephant in the room -- the rising interest rates. In this Flash Finance Update, I share with you some practical tips and valuable information on how our team can help you find a solution that is right for your needs. Also, do
- [Top Tips on Renovating For Your Retirement](https://propertyed.com.au/top-tips-on-renovating-for-your-retirement/) - Today, I'm in Sydney on a master's retreat for business with my good friend, Bernadette Janson of The School of Renovating. Bernadette and I have been talking about renovating for your retirement and how to make your retirement more comfortable. Learn about the three main ways that you can utilize renovating to improve your retirement
- [Why support is important when Renovating](https://propertyed.com.au/why-support-is-important-when-renovating/) - This week, I'm excited to share my experience in joining the Wonder Women Retreat hosted by Bernadette Janson of The School of Renovating. Bernadette also shares her thoughts on the property market and interest rates, on renovation, and why it is important to have support when renovating. Find out more about all of this by
- [How to check your building before Auction!](https://propertyed.com.au/how-to-check-your-building-before-auction/) - On long weekends like the one coming up for Easter, people dream grand plans of renovating or developing yet have nowhere to turn to for quick advice when needing to make a decision before an auction or purchasing. Tom Hals from Studio Hals is a very useful person in this space as this is a focus for
- [How not to lose $800,000 - no April fool joke!](https://propertyed.com.au/how-not-to-lose-800000-no-april-fool-joke/) - This week Caitlyn, Sam and I attended the Connective Lender Splendour for updates on broking and learnt about how scammers are targeting brokers' clients. Watch our video to learn how to protect yourself should you or we get hacked. We caught up with many of our Business Development Managers at the banks - see photos below and
- [How much do YOU really need to buy a house?](https://propertyed.com.au/how-much-do-you-really-need-to-buy-a-house/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” custom_margin=”-30px|auto||auto||” custom_padding=”0px|||||”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] In this week’s Flash Finance Update, we introduce you to our newest team member, my son, James Gregors, who is an excellent chiropractor and now, mortgage broker. We’re keen to have a new team
- [What to Do With the Money Saved in Lockdown – Now! (Webinar)](https://propertyed.com.au/what-to-do-with-the-money-saved-in-lockdown-now-webinar/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.4.8″ hover_enabled=”0″ custom_padding=”0px|||||”][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ width=”100%” min_height=”730.7px”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ custom_margin=”-35px|||||”]Today we thought it would be great to share with you an article written by Terry Ryder, founder of Hotspotting.com.au, on a recent webinar we had, called What to do with
- [Self-Employed and needing a loan? Here are 2 things you should know!](https://propertyed.com.au/self-employed-and-needing-a-loan-here-are-2-things-you-should-know/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ custom_padding=”14px|||||”][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” custom_margin=”-28px|auto||auto||” custom_padding=”4px|||||”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] In this week’s Flash Finance Update, we want to highlight a couple of key things that can help you if you’re self-employed and trying to get a loan. Find out more about these quick
- [How to permanently STOP trekking](https://propertyed.com.au/how-to-permanently-stop-trekking/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” max_width=”1201px” custom_margin=”-40px|auto||auto||” custom_padding=”|35px||||”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”117.8%” custom_margin=”|||-58px||” custom_padding=”|||59px||” inline_fonts=”Raleway”] Recently I had the most incredible experience – trekking The Twelve Apostles Walk in Victoria. Now for some incredibly stupid reason, I had this romantic idea that trekking was
- [What Makes a Hot Property Market](https://propertyed.com.au/what-makes-a-hot-property-market/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ custom_padding=”0px|||||”][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ width=”100%” custom_padding=”0px|||||”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ custom_margin=”-12px|||||”]Today I want to share with you Part 1 from the webinar I did on Wednesday with Terry Ryder from Hotspotting.com.au. Terry shares some fascinating insights into what is making our market
- [How to Buy a House With Only 5% Deposit!](https://propertyed.com.au/how-to-buy-a-house-with-only-5-percent-deposit/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ custom_padding=”0px|||||” custom_margin=”||-341px|||”][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” min_height=”1231.8px”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” min_height=”779.6px”] This week, we want to talk briefly about the revised First Home Buyers Deposit Scheme. It’s a great scheme and it’s helping a lot of people. We have done heaps of these last year
- [How to get expert help Renovating that doesn't cost the world!](https://propertyed.com.au/how-to-get-expert-help-renovating-that-doesnt-cost-the-world/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” custom_padding=”0px|||||”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”-36px|||||”] Having recently renovated myself once again, putting in a new kitchen and bathroom/laundry, plus all floors, I was lucky to be working with the wonderful David Janson, an architect who has developed a fantastic product
- [Purchasing a home when single!](https://propertyed.com.au/purchasing-a-home-when-single/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ width=”100%” custom_padding=”3px|||||” custom_margin=”-35px|auto||auto||”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] In this week’s Flash Finance Update, we’ve got the wonderful Liz Adepoju who has agreed to share her story with us on how she went about buying her first home. Liz only decided
- [Meet the Woman Who Helps You Get to Settlement On Time!](https://propertyed.com.au/meet-the-woman-who-helps-you-get-to-settlement-on-time/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ custom_padding=”0px|||||” custom_margin=”-23px|||||”][et_pb_row admin_label=”row” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” min_height=”972.8px”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] This week I am delighted to introduce you to Quena, who is our Loan Settlement Specialist. She works with the lenders, conveyancers, and brokers to make sure all loans are approved and settled
- [Some of your "COVID-19" finance questions answered](https://propertyed.com.au/some-of-your-covid-19-finance-questions-answered/) - Some of you may be worried about all these things and more in these very uncertain times so in my video below I have outlined some of the key points relating to these issues. As lender policy changes are happening daily during COVID-19, I will keep you updated regularly on what's happening but please contact
- [Why we need your savings account statements](https://propertyed.com.au/why-we-need-your-savings-account-statements/) - Often the hardest thing to clearly explain is why and how to give us the correct bank statements so check out this short video which tries to fix this issue. Click here to watch our latest update. Download the transcript and disclaimer If we can be of any assistance and you would like a one-on-one consultation for any
- [The Uncomfortable Truth About Building Inspection Clauses](https://propertyed.com.au/the-uncomfortable-truth-about-building-inspection-clauses/) - In today's Flash Friday Finance update, we are alerting you to a major issue occurring in purchase contracts at the moment and what to watch out for if you are buying a property. With the advent of DocuSign, less people are actually reading what they are signing and this can cause your property buying experience
- [The end of Job Keeper - What do lenders want now?](https://propertyed.com.au/introducing-caitlyn-and-the-end-of-job-keeper/) - Changing requirements in lending are constant and at times overwhelming and I am really looking forward to this Easter break. I am delighted also to welcome Caitlyn Holmes to the team as she is a very experienced broker who brings a great deal of skill and dedication to lending - which is totally what is
- [The secret to getting bank statements for brokers](https://propertyed.com.au/how-to-get-your-bank-statements-to-us/) - How to get your bank statements to us Getting bank statements is often the biggest pain point in any finance application process. Today I would love to share how YOU can get your bank statements, credit card statements, loan statements to us so we can successfully lodge your application first time. Getting this right for
- [CASE STUDY: Working from home expands your location options when purchasing](https://propertyed.com.au/working-from-home-expands-your-location-options-when-purchasing/) - Have your buying options changed since working from home? Check out our clients' journey below. Our clients Craig and Rebecca, bought their first property late last year and settled in January 2021. Craig has been a prospective client since 2017 (Louise says we never give up on you) and was originally planning to buy an
- [How you can be a GOLD STAR client](https://propertyed.com.au/how-you-can-be-a-gold-star-client/) - How to be a Gold Star client Today I discuss how you can be a "Gold Star" client of ours. Unfortunately, what you think you need to provide for your loan application and what the banks require can sometimes be two different things so please have a listen to this short update which highlights some
- [This might be the BEST way to avoid Lenders Mortgage Insurance - even for Dentists and Vets!](https://propertyed.com.au/this-might-be-the-best-way-to-avoid-lenders-mortgage-insurance-even-for-dentists-and-vets/) - Unused FHLDS Guarantees reissued The first tranche of the First Home Loan Deposit Scheme (FHLDS) which was in place from February 1 - June 30, 2020 (helping first home buyers purchase or build a home with a deposit of as little as 5%) has seen 1800 guarantees were not finalised due to buyers not settling
- [Quiz: Which style of property investor are you?](https://propertyed.com.au/quiz-which-style-of-property-investor-are-you/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.4.8″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″]How well do you know yourself? Do you know your tolerance for risk and loss? Before you embark on the investor journey, consider some of these questions. IMPORTANT: These questions are to help you think about what is
- [How to Access your ATO Documents](https://propertyed.com.au/how-to-access-your-ato-documents/) - How to access and present your ATO documents Today I want to share with you how to access your ATO documents for your loan application, from your MyGov site. You don't often look at these documents unless you need to so it can be a bit tricky if you don't know how to navigate the
- [How to Fast Track your ID for brokers & the latest SCAMs](https://propertyed.com.au/how-to-fast-track-your-id-for-brokers-the-latest-scams/) - How to Prepare your ID documents for your broker PLUS some of the latest SCAMS Today I want to share with you a guide on how to prepare your ID documents for your broker, so they are acceptable to the lender who is reviewing your loan. This is relevant whether you are buying a property
- [Victorian Investors without Tenants -this might be the cure](https://propertyed.com.au/victorian-investors-without-tenants-this-might-be-the-cure/) - If you own an investment property in Melbourne and are struggling to find a tenant at the moment, the Government has an offer that may help. This week's Federal Budget also announced a further 10,000 First Home Buyers Deposit Scheme places would be made available across Australia for eligible customers for new builds or newly
- [We're here to help](https://propertyed.com.au/were-here-to-help/) - Despite the fact that most states are out of lockdown and beginning to explore the "COVID normal", it may still be that some people are experiencing financial challenges or will after Government support is reduced or removed. I want to reassure you during times of uncertainty I can support you to explore options with your
- [Flash Finance Update - How to get the best out of your Accountant (Part 2)](https://propertyed.com.au/how-to-get-the-best-out-of-your-accountant-part-2/) - Today I chat with Colleen Tarrant, Accountant with BANTACS Accountants Pty Ltd, about a number of "stings" in the tail in the 2020 tax year for individuals, including claiming home office expenses, changes to investment property deductions and the importance of getting a Depreciation Report done by a reputable company. Click below to hear more.
- [Flash Finance Update - How to get the best out of your Accountant (Part 1)](https://propertyed.com.au/how-to-get-the-best-out-of-your-accountant-part-1/) - Tax time is a good time to invest in the services of a great Accountant. Today I chat with Rebecca Francis, Accountant with Alaco White, about what you can and can't claim and how the ATO knows a lot about what you have earned before you even lodge your Return. Click below to hear more.
- [How to do Loan Process like a Boss](https://propertyed.com.au/how-to-do-loan-process-like-a-boss/) - Buyers need to PLAN for Loans Process Here is something to cheer you up! This song was written by Vicky Jacobs (my choir leader) to cheer us on and through this difficult time. It’s beautiful and I’m thrilled to share it with you. It’s sung in 4 parts for a choir and here is Vicky
- [Flash Finance Update - See how easily YOU can get buying a house](https://propertyed.com.au/see-how-easily-you-can-get-buying-a-house/) - In today's interview, I speak with Brooke, a first-time buyer who says the best piece of advice I gave her was to get out there and have a look around at what you can buy and what you will get for your money. Your strategy will develop once you start looking! Click on the video
- [Flash Finance Update - What are banks looking at from you?](https://propertyed.com.au/what-are-banks-looking-at-from-you/) - What are banks looking at from YOU? Plus some fun websites to help you in Iso! Lots happening in the mortgage world but I want to let you know what lenders are looking at from you, the borrower. In today's update, I discuss some of the changes we are noticing from banks, especially as we
- [Flash Finance Update - Albury/Wodonga - a Hot Spot for good reason!](https://propertyed.com.au/whats-happening-in-the-albury-wodonga-market-amidst-covid-19/) - What's happening in Albury/Wodonga? The border town that is a very "hot" spot for good reason In today's Flash Friday Finance Update, I talk briefly with a long term client of mine, Ash Humbert who is a Real Estate Agent in Albury/Wodonga - a spot that is a very "hot" area this week as the
- [Young Couple Share the JOY of Buying Their First Home](https://propertyed.com.au/young-couple-share-the-joy-of-buying-their-first-home/) - Despite the negative rhetoric about the housing market at the moment, we thought we would brighten your week with our story of a young couple who purchased their first home just before Covid-19. Why may you ask? Because despite all the negativity, we have several of our clients making purchases over the weekend. This trend
- [What lenders are expecting from YOU](https://propertyed.com.au/what-lenders-are-expecting-from-you/) - It's certainly a slightly different lending environment we find ourselves in at the moment, so I want to give you the "heads up" on what lenders are particularly looking at when assessing loan applications and that now is a great time for a first home buyer to get their applications in and be ready to
- [Stamp Duty or Land Tax?](https://propertyed.com.au/stamp-duty-or-land-tax/) - Should stamp duty be abolished? THE POTENTIAL abolition of stamp duty in Australia has been proposed and discussed for at least a decade, but recently there have been fresh calls from many corners to do away with the property tax. Economists in particular – starting with Ken Henry way back when he authored and delivered
- [How to deal with Zombie Debts](https://propertyed.com.au/how-to-deal-with-zombie-debts/) - What is a Zombie Debt? The statute of limitations puts a cap on the time a creditor has to collect on your unpaid debt, 6 years in each state and territory, 12 to 15 years (depending on the State & Territory) for Judgment debts. In other words, if 6 years passes without a payment on
- [How to Manage Investments When You Have Been Stood Down](https://propertyed.com.au/how-to-manage-investments-when-you-have-been-stood-down/) - Andy has been a long time property investor who has worked for Qantas for many years. He is one of the many who have been stood down due to COVID-19 and he shares how he has managed during these unprecedented times. Above all, he is a very caring landlord - his first concern is for
- [Would You Like to Know How to Manage 7 Investment Properties?](https://propertyed.com.au/would-you-like-to-know-how-to-manage-7-investment-properties/) - Check out our latest video with long term investor Kathie. Kathie shares some practical tips on how to stay on track, including: Developing a strong relationship with your property manager during good times, so when times are difficult you are able to have frank discussions with them. Reviewing your loans regularly to make sure you
- [Oops! We forgot about Easter & Flash [Video] Friday Finance Update](https://propertyed.com.au/oops-we-forgot-about-easter-flash-video-friday-finance-update/) - Whoever thought we would have spent Easter in isolation? When in past years we would have longed for a bit of iso! We hope you enjoyed it. Chocolate is good at anytime of the year. Here is a great quote I read recently. "On particularly rough days, when I'm sure I can't possibly ensure, I
- [JobKeeper Payment](https://propertyed.com.au/jobkeeper-payment/) - The government has recently announced the JobKeeper payment. This is designed to keep workers engaged in your business, so you have the workforce ready for when your business resumes to normal. This payment will also enable for the first time, sole traders may qualify for income support. Criteria 1 If the turnover of your business
- [We are here to help YOU](https://propertyed.com.au/we-are-here-to-help-you/) - During these times of uncertainty, we understand there could be challenging periods ahead due to COVID-19 and want to reassure you that we are here to help. It’s important to know if you are facing difficulties with making repayments on your home loan, then you can seek relief on the grounds of financial hardship directly
- [Partial Guarantor - Another option to help fund your First Home Deposit](https://propertyed.com.au/partial-guarantor-another-option-to-help-fund-your-first-home-deposit/) - First home buyers may be aware that the Government’s First Home Deposit Scheme was launched Jan 1 to help people who have less than 20% deposit (and as little as 5%) to get their first home. One of the main advantages of this Scheme is that the Government will wear the cost of the Lenders Mortgage Insurance*(LMI)
- [We had a great year in 2019 but look forward to bigger and better in 2020](https://propertyed.com.au/we-had-a-great-year-in-2019-but-look-forward-to-bigger-and-better-in-2020/) - Happy New Year! Even though we are more than halfway through January and started a new decade, we have had fun reflecting on 2019 and have loved helping our clients achieve their property goals and look forward to doing it all again (and more!) in 2020. Keep scrolling for some of our highlights!
- [NAB chosen to help implement First Home Loan Deposit Scheme](https://propertyed.com.au/nab-chosen-to-help-implement-first-home-loan-deposit-scheme/) - NAB chosen to help implement First Home Loan Deposit Scheme NAB is pleased to announce that it has been chosen to partner with the Federal Government and National Housing Finance and Investment Corporation (NHFIC) on the First Home Loan Deposit Scheme (FHLDS). The Scheme will be operational from January 2020 and we will take a
- [The Slickest Scams of 2019](https://propertyed.com.au/the-slickest-scams-of-2019/) - I must have been on some random list to keep getting the foreign call centre calls from the supposed ATO – "you have a debt that must be paid immediately or we will…….." My team in the office were concerned to hear me raise my voice down the phone line saying; “I don’t know how
- [Positive Credit reporting – SO Negative it’s very scary!](https://propertyed.com.au/positive-credit-reporting-so-negative-its-very-scary/) - Lenders this last week have been nitpicking through the most trivial of items due to the introduction of Positive Credit Reporting. I have been asked to explain why someone spent $35 back in June this year as it showed a payment into another bank account (he was repaying a lunch), what was the $100 in
- [Last man standing - Getting a Reverse Mortgage](https://propertyed.com.au/last-man-standing-getting-a-reverse-mortgage/) - Currently, 89% of Australians aged 65 and over own their own home. While selling the property is one option to release funds if you’re finding it difficult to make ends meet, some lenders now offer a reverse mortgage* that could help you access your home equity without having to move. What is a reverse mortgage? A
- [First home buyer emotions, nabbing a Spring bargain and how to become a successful investor](https://propertyed.com.au/september2019-newsletter/) - Welcome to our September Newsletter Spring has arrived, and that means the busy spring selling season is upon us! It’s been an exciting few weeks in the property world. Let’s take a look. 4 habits of successful property investors What sets the successful property investor apart from the mediocre one? Here are the habits often
- [Key "take-outs" from our Seminar](https://propertyed.com.au/key-take-outs-from-our-seminar/) - It’s hard to believe it’s been almost a week since our “Getting your Ducks in a Row Seminar” at Milanos with the stunning Brighton Beach backdrop. As promised, our line up of speakers was amazing. Over 90% of attendees voted the Seminar a 9/10 or 10/10! Comments made include: Covered multiple subjects, professional speakers gave a very good
- [Millennials NOW want you to pay their loan repayment as a wedding gift](https://propertyed.com.au/millennials-now-want-you-to-pay-their-loan-repayment-as-a-wedding-gift/) - And how sensible is that! A new report from eHarmony in the US has discovered most millennials live together for at least 6.5 years before finally walking down the aisle so have a lot of the usual household items – having already combined two households into one. So a gift of contributing to a mortgage
- [Upcoming Seminar, EOFY Tips and Why your credit card may "decline"](https://propertyed.com.au/july-2019-newsletter/) - My EOFY Tips and 5 reasons your credit card might be declined July 2019 Newsletter No – I am not an accountant, but I have learnt a few things along the way – mainly by error and hope to share a couple of keys tips to hopefully save you from making the same mistakes. 1.
- [Property investor profiles, tips to build your home and how living expenses affect your borrowing power](https://propertyed.com.au/july2019-newsletter/) - Welcome to our July Newsletter Great news for homeowners and property buyers this month, interest rates have fallen again. How do your living expenses affect your borrowing power? How much you spend on day-to-day living can considerably reduce the amount you are eligible to borrow, even if you are a high-income earner. Tips to build
- [Six young entrepreneurs share how they started making money](https://propertyed.com.au/six-young-entrepreneurs-share-how-they-started-making-money/) - by Susan Hely When your kids come up with an idea, be sure to listen carefully because you never know where it will lead. Take the American eight-year-old Abbey Fleck, who was cooking bacon in the microwave with her dad, Jon. They were running out of paper towels to soak up the fat and Abbey
- [How to avoid your home renovation becoming a nightmare](https://propertyed.com.au/how-to-avoid-your-home-renovation-becoming-a-nightmare/) - by Steve Burke and Suzanne Burke We have all heard the building horror stories: the project that took years to complete; the builder that went bust halfway through a project, leaving the homeowner high and dry; the dodgy workmanship and the woes of not being able to get trades back to fix it. It is
- [The most profitable market for your property, refinancing a car and why brokers are friends for life](https://propertyed.com.au/june2019-newsletter/) - Welcome to our June Newsletter Winter is here and we can expect our property markets to slow down considerably over the next few months. Can you refinance a car loan? End of financial year is fast approaching and the car sales are on. But buyers beware! It’s easy to get so caught up with grabbing
- [While the sun may not be shining, it feels like summer but watch out for SCAMMERS!](https://propertyed.com.au/june19-newsletter/) - Honestly, this has been the busiest May I can recall and while some Australians were holding back due to political uncertainty, our clients have taken FULL advantage of others not moving and have been buying wisely. From Bendigo to Berwick, Hobart to West Meadows, Canberra to Carlisle in W.A., we have seen action across the
- [Property management tips, options for your next home and getting help to buy business equipment](https://propertyed.com.au/may2019-newsletter/) - Welcome to our May Newsletter The busy Autumn selling season is in full swing, with many property bargains available as the housing market correction continues across the country. How to get the tax man to help you buy business equipment Find out how you could use the Federal Government’s Instant Asset Tax Write-Off scheme to
- [The Lazy Tax - How much are you paying?](https://propertyed.com.au/the-lazy-tax-how-much-are-you-paying/) - While some of us are mortgage prisoners – trapped due to our changing circumstances and different incomes – like changing from employed to self-employed incomes, often just looking at our current interest rates and finances makes us want to hide under the bedcovers. However, some of the rates currently on offer are enough to make you
- [Why #choicematters, buyer’s market tips and how to avoid risk.](https://propertyed.com.au/march2019-newsletter/) - Welcome to our March Newsletter Autumn has arrived and as the weather cools, property markets around the country are starting to heat up. If you’re in the market for a bargain price, there are plenty of houses and units up for sale. Why #choicematters for all Australian home buyers Switching to a borrower-pays system for
- [Young couple snap up three-bedroom home by accident](https://propertyed.com.au/young-couple-snap-up-three-bedroom-home-by-accident/) - Grace Rummery managed to put away a whopping $20,000 in just six months without noticing after making one simple but major change. by Alexis Carey Grace Rummery and her partner Will Miller weren’t even thinking about buying a house — until their dream property turned up almost by accident. Ms Rummery, a landscape architect, and
- [Top 7 Financial New Year Resolutions to Make](https://propertyed.com.au/top-7-financial-new-year-resolutions-to-make/) - The turn of the year is a great time to give yourself a health check and makeover - financially and personally. First up it’s best – before you go beating yourself up about all the inadequate results or things you should have improved, to take the time and note all the things you DID WELL in
- [Why Buy This Holiday Season, Getting Ready for an RBA Rate Rise, and Common Mistakes of First Home Buyers](https://propertyed.com.au/why-buy-this-holiday-season-getting-ready-for-an-rba-rate-rise-and-common-mistakes-of-first-home-buyers/)
- [How to Save for a Home Deposit](https://propertyed.com.au/how-to-save-for-a-home-deposit/) - Saving a house deposit calls for a “sure and steady” approach. An important starting point is to develop a savings plan you can comfortably live with. Ideally, your savings plan should adopt a two-pronged approach – combining regular saving backed up by lump sum deposits. Here’s what’s involved. Regular saving Saving a house deposit might
- [Service and Money - How It Works](https://propertyed.com.au/november-newsletter-service-and-money-how-it-works/) - NOVEMBER 2018 NEWSLETTER What a fun quote to get us thinking but when it comes to paying off your loans, the early bird is definitely the winner and others maybe the worms! A great idea for paying your mortgage off sooner is to round up your repayment. For example, if your lender has told you
- [Pre-auction negotiation tactics, calculating rental returns and savvy Christmas spending](https://propertyed.com.au/pre-auction-negotiation-tactics-calculating-rental-returns-and-savvy-christmas-spending-2/) - Welcome to our November Newsletter Auction clearance rates continue to slide and sellers struggle to get their price in the Spring property market. It’s an exciting time for property buyers! How to estimate the rental return on an investment property When buying an investment property, investors typically consider two key factors. Capital growth, or how
- [Why mortgage brokers are replacing your traditional bank managers](https://propertyed.com.au/why-mortgage-brokers-are-replacing-your-traditional-bank-managers/) - I am personally sick to death of The Royal Commission into Banking but I can tell you it is being used as an excuse for all manner of lending rejections from banks. There is no doubt lenders are using this as a reason to hike interest rates and reduce available credit but one wonders how
- [Negotiation tactics, choosing a builder and property investment finance tips](https://propertyed.com.au/negotiation-tactics-choosing-a-builder-and-property-investment-finance-tips/) - Welcome to our October Newsletter There are plenty of bargains up for grabs in our Spring property market and who knows how long the current buyer’s market will last? Check out our interest rate and property market updates before you hit the open home circuit. 6 Negotiation Tactics for Spring Property Buyers Nobody wants to
- [Pre-approvals, good news for first home buyers and open home inspection tips](https://propertyed.com.au/pre-approvals-good-news-for-first-home-buyers-and-open-home-inspection-tips/) - Welcome to our September Newsletter The busy Spring selling season has kicked off and that means an action-packed few months ahead in our property markets. Read more Why is a loan pre-approval so important? Pre-approval is a green light from a lender. Put simply, it confirms you’re eligible to apply for a home loan up
- [Keeping your credit report clean, future proofing by renovating and unusual investment opportunities](https://propertyed.com.au/keeping-your-credit-report-clean-future-proofing-by-renovating-and-unusual-investment-opportunities/) - Welcome to our August Newsletter Winter is coming to an end and that means there are only a few weeks to go until the busy spring property market kicks off. Read more How to keep your credit report clean In this article, we look at ways to clean up your credit report. Read more Renovations
- [How much income is enough?](https://propertyed.com.au/how-much-income-is-enough/) - Often, we are asked "How much income do I need to buy a property?" Of course, the real questions you want to ask are what do I really want and how much can I afford? But rarely do people start by designing their ultimate life or their own budget. This reminds me of a fabulous
- [How to avoid a Low Valuation and Upcoming Events in Brighton and Brisbane](https://propertyed.com.au/how-to-avoid-a-low-valuation-and-upcoming-events-in-brighton-and-brisbane/) - Have you booked to attend one of our upcoming Events? If not, please find the details in this Newsletter. How to avoid a low house Valuation? With markets across Australia currently easing in value, it is timely to review what options you have to secure the best valuation you can for your existing properties. Lenders
- [Three Reasons You Should Talk to Us Now](https://propertyed.com.au/three-reasons-you-should-talk-to-us-now/) - I love helping first home buyers like you get into the property market sooner. You can rely on my knowledge and experience to help you get over the hurdles, so you can buy a home and start building wealth for your future. Don’t have a 20% deposit? I will take the time to analyse your
- [Investors: Are you scared about losing your interest only repayments?](https://propertyed.com.au/investors-are-you-scared-about-losing-your-interest-only-repayments/) - Investors: Are you scared about losing your interest only repayments? A major problem is looming for those with multiple interest-only loans (usually investment), particularly on high loan to value ratios e.g. borrowed at 95%, when the loans finish the interest-only term which is usually an initial five years. Although we have rarely done any investment
- [Parents suing their children for repayment of loans to buy property](https://propertyed.com.au/parents-suing-their-children-for-repayment-of-loans-to-buy-property/) - Parents suing their children for repayment of loans to buy property A Melbourne woman has sued her architect son over a $500,000 house loan, the latest case in what experts say is a rising trend as more parents aim to help their children climb the property ladder. In the past two months, County Court judges
- [How much deposit do you really need?](https://propertyed.com.au/how-much-deposit-do-you-really-need/) - How much deposit do you really need? Many first home buyers have been put off attempting to buy a home due to the negative nonsense in the media stating - incorrectly in my view - that it is impossible to buy a house in this environment. But what many people do not realise, it is
- [How to choose a renovation loan that won't send you broke](https://propertyed.com.au/how-to-choose-a-renovation-loan-that-wont-send-you-broke/) - Pam Mulready's 12-month interest-free renovation loan became an expensive choice when work on her inner-Melbourne home took more than 30 months to complete, quadrupling the original construction price and triggering year's of legal hassle for compensation. Mulready's funding and building nightmare is an increasingly common experience for thousands of homeowners, particularly in coveted postcodes close
- [How to Buy Your Second House – Spending money to make money!](https://propertyed.com.au/how-to-buy-your-second-house/) - Newsletter CASE STUDY: First Home Buyers share their stories on their recent purchases Case Study 1: Dave & Jo (26 & 25 years old) recently purchased their first home in Queensland about 26kms north of Brisbane How did you find out about Louise and her services as a mortgage broker? We attended one of
- [Is your interest rate too high?](https://propertyed.com.au/september-2017/) - Newsletter September 2017 Back in March – APRA – The Australian Prudential Regulation Authority, the Government authority responsible for all banking regulations, insisted that lenders restrict interest only loans to a maximum of 30 per cent of new residential mortgage loans. This action produced instant repercussions for borrowers. Certain lenders with many investment loans in
- [First Home Buyers - Is it as hard as it seems?](https://propertyed.com.au/july-newsletter/) - Newsletter July 2017 Following our seminars and webinars, I am meeting more and more younger clients (and their parents) who sadly believe the media that they simply cannot BUY and are ALWAYS pleasantly surprised when I show them how they can apply their savings to purchase – often immediately! However, there are a few golden
- [HOW to Pay Off Your Mortgage Quickly](https://propertyed.com.au/pay-off-mortgage-quickly/) - Newsletter Mid - June 2017 Clients often want to know the best suggestions for paying off their home loan quickly so I have put together a few of the most practical ideas you can implement and share them below. Plus, we are offering a prize for the best suggestion from YOU, our readers, which we will
- [Just When You Think You Have Heard It All!](https://propertyed.com.au/march-newsletter/) - Newsletter March 2017 JUST WHEN YOU THINK YOU HAVE HEARD IT ALL! There are some weird property spruikers out there but one I recently heard of made me really fearful for investors. They were trying to sell ‘Micro Apartments’. Wikipedia's definition for these is a "one room, self-contained, usually purpose built, designed to accommodate a sitting
- [Cricket and Credit Scores - How to Improve Your Score!](https://propertyed.com.au/january-newsletter/) - January Newsletter Cricket and Credit Scores - How to Improve Your Score! One of my favourite authors, Bill Bryson, wrote about cricket in his unconventional work on Australia – Down Under. “Listening to cricket on the radio is like listening to two men sitting in a rowing boat on a large placid lake on a
- [Changes in Investment Lending Conditions](https://propertyed.com.au/november-newsletter/) - November Newsletter Changes in Investment Lending Conditions It is getting harder and harder and now some lenders are refusing to lend in certain postcodes and others will only lend to 70% loan to value ratios for off-the-plan in Sydney and Perth - even lower in other parts of Australia. Why? Because the banks clearly see what
- [So you have $100,000 in equity but not sure what to do next?](https://propertyed.com.au/so-you-have-100000-in-equity-but-not-sure-what-to-do-next/) - So you have $100,000 in equity but not sure what to do next? You hit Google and search "property investment" and lo and behold there is way too much information out there and the further you get into it, the more complicated it seems. Once you start on this process, it becomes harder and harder to
- [October 2016 Newsletter - Deposits & Car Loans](https://propertyed.com.au/october-2016-newsletter/) - Newsletter October 2016 What a ripper day we had on October 6 with fun and fundraising for Breast Cancer research and thanks to the gorgeous Gail Donovan from DONOVANS who kindly donated a $200 lunch voucher as well as Zoe from Reflexology by ZoeB who donated her time (and her fantastic service) which added to our efforts.
- [Whose fault is it anyway?](https://propertyed.com.au/september-newsletter/) - Newsletter September 2016 Whose fault is it anyway? When something goes wrong in a property transaction, some Australians are becoming more litigious and looking for who to blame in the process. Sadly, the reality is if you have already settled on your property, then Caveat Emptor applies, which is: "the principle that the buyer alone is responsible
- [Why Jon Faine Should Buy His Children a House?](https://propertyed.com.au/jon-faine-buy-children-house/) - Parental Guarantees get a bad rap, but that's not necessarily so.... Malcolm Turnball recently teased Jon Faine about buying a place for his children and years ago many parents offered up the family home with little consideration for their own livelihood or retirement circumstances and sometimes tragically, lost their homes. However, NOW banks have changed the
- [Is Residential Property a Better Investment than Commercial?](https://propertyed.com.au/june-newsletter/) - We had a sensational education packed day last Saturday - and here are some of the key points in case you missed it! According to the vastly experienced and authoritative Scott Keck from valuers Charter Keck Cramer (who by the way have 35 researchers constantly reviewing the Australian property market), as the Australian dollar is falling
- [Values Underpinned by Strong Equity](https://propertyed.com.au/values-underpinned-strong-equity/) - One of Australia’s most experienced property analysts says investors and home-owners have no need to be concerned about pricing levels for housing. Scott Keck – Executive Chairman of leading independent property advisory firm, Charter Keck Cramer, which employs 35 analysts working full-time on research - says bubble talk is over-blown. He says the reality is

## Pages

- [Homepage New Home Loan](https://propertyed.com.au/) - We're home loan brokers & property educators in Melbourne. We provide home mortgage solutions, refinancing & personal loans especially for First Home Buyers.
- [Household Expenditure Measure (HEM) Guide](https://propertyed.com.au/hem-guide/) - The complete guide to understanding household expenditure measure (HEM), what it means for your borrowing capacity, and how lenders use it.
- [First Home Buyer](https://propertyed.com.au/first-home-buyer/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_fullwidth_header title=”First Home Buyer” subhead=”So you think you’re ready to buy your first home?” button_one_url=”https://propertyed.com.au/first-time-home-buyer-financing/” _builder_version=”4.27.7″ title_level=”h2″ title_font=”|700|||||||” title_text_align=”left” title_text_color=”#FFFFFF” title_font_size=”90px” content_font_size=”46px” subhead_font=”|700|||||||” subhead_font_size=”25px” background_color=”rgba(0,0,0,0)” background_image=”https://propertyed.com.au/wp-content/uploads/2020/12/Property-Ed-homeloans.jpg” custom_button_one=”on” button_one_text_size=”29px” button_one_text_color=”#FFFFFF” button_one_bg_color=”#99110e” button_one_border_color=”#ED1846″ button_one_border_radius=”50px” button_one_font=”|600|||||||” min_height=”900px” custom_margin=”||||false|false” custom_padding=”350px||0px||false|false” hover_enabled=”0″ background_last_edited=”on|phone” background_size_phone=”cover” background_position_phone=”center” button_one_text_size_tablet=”29px” button_one_text_size_phone=”29px” button_one_text_size_last_edited=”on|phone” custom_css_main_element=”display: flex;||align-items: center;||justify-content: center;” title_text_shadow_style=”preset4″ subhead_text_shadow_style=”preset4″ global_colors_info=”{}” sticky_enabled=”0″][/et_pb_fullwidth_header][/et_pb_section][et_pb_section
- [Asset Finance](https://propertyed.com.au/assetfinance/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header title=” Asset Finance” text_orientation=”right” button_one_text=”Apply for Asset Finance Today” button_one_url=”https://finovate.ambitioncloud.com.au/s/lwdaooq0hu” content_max_width=”180%” _builder_version=”4.27.6″ _module_preset=”default” title_font=”Poppins|700|||||||” title_text_align=”right” title_font_size=”74px” content_font_size=”29px” content_line_height=”1.2em” background_image=”https://propertyed.com.au/wp-content/uploads/2026/07/AF-1.png” custom_button_one=”on” button_one_text_size=”23px” button_one_bg_color=”#ED1846″ button_one_border_color=”#ED1846″ button_one_font=”Poppins||||||||” custom_margin=”109px|-33px|||false|false” custom_padding=”33px||312px||false|false” hover_enabled=”0″ title_text_shadow_style=”preset2″ inline_fonts=”Montserrat,Poppins” global_colors_info=”{}” sticky_enabled=”0″ background_position=”bottom_center”] Finance the assets that help you move forward [/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” padding_top_1=”0px” padding_top_2=”20px” admin_label=”Event” _builder_version=”4.27.6″ custom_margin=”-17px||-26px|||” custom_padding=”50px|0px|0px|0px|false|false”
- [Meet Our Team](https://propertyed.com.au/meet-our-team-mortgage-brokers-melbourne/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”29px||20px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_text_color=”#FFFFFF” header_2_text_color=”#ffffff” global_colors_info=”{}”]Meet Our Team Based in Melbourne, we provide mortgage broking services all across Australia.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”36px||13px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ min_height=”640.5px” custom_margin=”|auto|-28px|auto||” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https://propertyed.com.au/wp-content/uploads/2024/02/1.png” title_text=”1″ url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjYyOCJ9fQ==@” url_new_window=”on”
- [Property Ed - Knowledge Base](https://propertyed.com.au/knowledge-base/) - Get clear answers to the most common mortgage and home loan questions in Australia. Learn about borrowing power, deposits, equity, settlement times and more in 2026
- [Contact Mortgage Broker](https://propertyed.com.au/contact-mortgage-broker/) - Contact The Property Education Company to book a home lending appointment. Our friendly team is available by appointment.
- [Talk To Us - Contact A Mortgage Broker](https://propertyed.com.au/talk-to-us-contact-a-mortgage-broker/) - [et_pb_section fb_built=”1″ module_class=”gradient-bg” _builder_version=”4.18.1″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ED1846 0%|#581B5C 100%” background_color_gradient_start=”#ED1846″ background_color_gradient_end=”#581B5C” custom_margin=”125px||||false|false” custom_margin_tablet=”125px||||false|false” custom_margin_phone=”125px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.18.1″ max_width=”1600px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font_size=”22px” header_text_color=”#FFFFFF” header_font_size=”25px” header_line_height=”1.2em” header_2_font_size=”60px” text_orientation=”center” link_option_url=”#bookingportal” header_font_size_tablet=”25px” header_font_size_phone=”20px” header_font_size_last_edited=”on|tablet” header_2_font_size_tablet=”” header_2_font_size_phone=”35px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]Getting Started is Easy Book your FREE 30 minute strategy call.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}” header_font_size_tablet=”25px” header_font_size_phone=”20px”
- [Review Us](https://propertyed.com.au/review-us/) - [et_pb_section fb_built=”1″ admin_label=”Hero” _builder_version=”4.27.6″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_direction=”148deg” background_color_gradient_stops=”#ffffff 50%|rgba(255,255,255,0.85) 75%|rgba(255,255,255,0.36) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,0,0,0.5)” background_color_gradient_end=”rgba(0,0,0,0.75)” background_image=”https://images.unsplash.com/photo-1556761175-4b46a572b786?ixid=M3w1ODkyNzF8MHwxfHNlYXJjaHw1fHxtb2Rlcm4lMjBvZmZpY2UlMjBpbnRlcmlvcnxlbnwwfDB8fHwxNzczMjE1OTY5fDA&ixlib=rb-4.1.0&fm=webp&fit=crop&crop=entropy&w=1920&h=1080&q=20&dpr=2″ custom_padding=”||30px|0px|false|false” hover_enabled=”0″ locked=”off” collapsed=”off” global_colors_info=”{}” background_size=”stretch” sticky_enabled=”0″][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.24.2″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23.1″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_heading title=”Your feedback means the world to us!” _builder_version=”4.27.6″ _module_preset=”default” title_text_color=”#f90002″ title_font_size=”73px” custom_margin=”20px||23px||false|false” custom_padding=”48px|||||” global_colors_info=”{}”][/et_pb_heading][et_pb_text quote_border_color=”#0077b6″ _builder_version=”4.27.6″ _module_preset=”2c55a9c4-feed-423b-9edb-ae0b5b365cac” text_font=”IBM Plex Sans|IBM Plex Sans_weight|||||||” text_text_color=”#3c3a47″ text_font_size=”16px”
- [Investment Property](https://propertyed.com.au/investment-property/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.18.1″ background_enable_image=”off” background_position=”top_center” background_vertical_offset=”-100%” global_colors_info=”{}”][et_pb_fullwidth_header title=”Investment Property Loans” subhead=”Level up your investment property strategy” button_one_text=”Book your FREE 30 minute Strategy Call” button_one_url=”/talk-to-us-contact-a-mortgage-broker/” title_tablet=”Investment Property Loans” title_phone=”Investment Property Loans” title_last_edited=”on|tablet” _builder_version=”4.27.5″ title_level=”h2″ title_font=”|700|||||||” title_text_align=”left” title_text_color=”#FFFFFF” title_font_size=”63px” title_line_height=”0.9em” content_text_color=”#FFFFFF” subhead_font=”|700|||||||” subhead_font_size=”23px” background_color=”rgba(0,0,0,0)” background_image=”https://propertyed.com.au/wp-content/uploads/2024/07/Investment-Property-Loans-from-The-Property-Education-Company-Melbourne-Victoria.png” background_position=”top_center” custom_button_one=”on” button_one_text_size=”29px” button_one_text_color=”#FFFFFF” button_one_bg_color=”#99110e” button_one_border_color=”#ED1846″ button_one_border_radius=”50px” button_one_font=”|600|||||||” min_height=”900px” custom_margin=”||||false|false” custom_padding=”500px||||false|false”
- [From Vision to Victory: Powerful Tips for Portfolio Building](https://propertyed.com.au/from-vision-to-victory-powerful-tips-for-portfolio-building/) - Top tips for building a strong property portfolio — practical insights on planning, finance and growth for successful investment outcomes.
- [First Home Buyer Boot Camp: The Ultimate Guide to Grants & Schemes](https://propertyed.com.au/first-home-buyer-boot-camp-the-ultimate-guide-to-grants-schemes/) - Join the First Home Buyer Boot Camp and learn about government grants, schemes, eligibility, and strategies to boost your buying power and achieve homeownership
- [Frequently Asked Questions](https://propertyed.com.au/faq-page/) - Frequently asked questions about mortgage brokers, borrowing capacity, lender options, fees, and how home loans work with The Property Education Company.
- [Borrowing Capacity Survey Submitted - What's Next?](https://propertyed.com.au/borrowing-capacity-survey-success/) - Your borrowing capacity form has been successfully submitted. Our team will review your details and contact you shortly to guide you through the next steps.
- [The Truth About Aussie Property Growth](https://propertyed.com.au/avoid-the-hype-discover-the-truth-about-aussie-property-growth/) - Discover the truth about Aussie property growth, debunk common myths like ‘prices double every 10 years’, and get data‑backed insights from experts.
- [Turn Your Renovation Vision into Reality with Custom Financing Solutions!](https://propertyed.com.au/7-biggest-mistakes-when-choosing-a-broker-she-renovates-renovation/) - Turn your renovation vision into reality with custom financing solutions. Get flexible options to fund your home improvements with ease.
- [7 Biggest Mistakes When Choosing a Mortgage Broker](https://propertyed.com.au/7-biggest-mistakes-most-people-make-when-choosing-a-mortgage-broker/) - Discover the 7 biggest mistakes when choosing a mortgage broker and avoid costly errors! Download our complimentary guide for a smooth homebuying journey.
- [Buying a Property Confidently: 7 Steps You Need to Know](https://propertyed.com.au/7-keys-to-buying-a-property-confidently/) - Unlock the keys to buying a property confidently. Download our comprehensive guide to take control of your property journey today.
- [Quena Casas at Home Loan Broker The Property Education Company](https://propertyed.com.au/meet-our-team-mortgage-brokers-melbourne/quena-casas-home-loan-broker-at-the-property-education-company/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_text_color=”#ffffff” header_text_color=”#FFFFFF” header_font_size=”25px” header_2_text_color=”#ffffff” link_option_url=”https://propertyed.com.au/talk-to-us/” global_colors_info=”{}”]Quena Casas Loan Processing Specialist[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.18.1″ custom_margin=”-26px|auto||auto||” animation_style=”slide” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_line_height=”1.75em” global_colors_info=”{}”]Although she is based in the Philippines, location is no
- [How To Buy Your Next Investment Property Sight Unseen (Webinar)](https://propertyed.com.au/how-to-buy-your-next-investment-property-sight-unseen-webinar/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.27.0″ _module_preset=”default” width=”100%” module_alignment=”left” height=”554px” custom_margin=”120px||||false|false” custom_margin_tablet=”120px||||false|false” custom_margin_phone=”|||50px|false|false” custom_margin_last_edited=”on|phone” custom_padding=”||0px||false|false” module_alignment_tablet=”left” module_alignment_phone=”center” module_alignment_last_edited=”on|phone” global_colors_info=”{}”][et_pb_fullwidth_header button_one_text=”REGISTER NOW” button_one_url=”https://www.eventbrite.com/e/how-to-buy-your-next-investment-property-sight-unseen-au-only-tickets-999819104857?aff=oddtdtcreator” background_overlay_color=”RGBA(255,255,255,0)” title_tablet=”” title_phone=”Want to learn how to buy your next investment property without even stepping inside? ” title_last_edited=”on|desktop” content_tablet=” Want to learn how to buy your next investment property without even stepping inside? ” content_phone=””
- [Privacy Policy - Mortgage Broker](https://propertyed.com.au/privacy-policy/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”168px||||false|false” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Mortgage Broker Privacy Policy At The Property Education Company, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Mortgage Broker Privacy Policy describes our
- [Ebooks](https://propertyed.com.au/ebooks/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.18.1″ _module_preset=”default” height=”761px” global_colors_info=”{}”][et_pb_fullwidth_header title=”Ebooks” subhead=”Thinking about buying a property? Empower yourself for your property journey! ” button_one_text=”Download our ebooks today!” button_one_url=”https://propertyed.com.au/first-time-home-buyer-financing/” _builder_version=”4.18.1″ title_level=”h2″ title_font=”|700|||||||” title_text_align=”left” title_text_color=”#FFFFFF” title_font_size=”90px” content_font_size=”46px” subhead_font=”|700|||||||” subhead_font_size=”25px” background_color=”rgba(0,0,0,0)” background_image=”https://propertyed.com.au/wp-content/uploads/2024/07/happy-couple-learning-from-mortgage-ebooks.png” custom_button_one=”on” button_one_text_size=”29px” button_one_text_color=”#FFFFFF” button_one_bg_color=”#ED1846″ button_one_border_color=”#ED1846″ button_one_border_radius=”50px” button_one_font=”|600|||||||” min_height=”900px” custom_margin=”||||false|false” custom_padding=”159px||0px||false|false” background_last_edited=”on|phone” background_size_phone=”cover” background_position_phone=”center” button_one_text_size_tablet=”29px” button_one_text_size_phone=”29px” button_one_text_size_last_edited=”on|phone” custom_css_main_element=”display: flex;||align-items: center;||justify-content:
- [Refinance Feasibility Calculator](https://propertyed.com.au/refinance-feasibility-calculator/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”158px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”2px||33px|||” background_color_gradient_stops_tablet=”#ed1846 0%|#581b5c 100%” background_color_gradient_stops_phone=”#ed1846 0%|#581b5c 100%” global_module=”782″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”|auto|-25px|auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ header_text_color=”#FFFFFF” header_font_size=”56px” header_2_text_color=”#ffffff” header_2_font_size=”60px” custom_margin=”37px|||||” global_colors_info=”{}”]Mortgage Calculator[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ width=”90%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text module_class=”calculator-heading” _builder_version=”4.27.4″ header_text_align=”left” header_text_color=”#000000″ header_2_text_align=”center” custom_margin=”||20px||false|false” custom_margin_tablet=”||40px||false|false”
- [Purchasing Power Calculator](https://propertyed.com.au/purchasing-power-calculator/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”158px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”2px||33px|||” background_color_gradient_stops_tablet=”#ed1846 0%|#581b5c 100%” background_color_gradient_stops_phone=”#ed1846 0%|#581b5c 100%” global_module=”782″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”|auto|-25px|auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ header_text_color=”#FFFFFF” header_font_size=”56px” header_2_text_color=”#ffffff” header_2_font_size=”60px” custom_margin=”37px|||||” global_colors_info=”{}”]Mortgage Calculator[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ width=”90%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text module_class=”calculator-heading” _builder_version=”4.27.4″ header_text_align=”left” header_text_color=”#000000″ header_2_text_align=”center” custom_margin=”||20px||false|false” custom_margin_tablet=”||40px||false|false”
- [Stamp Duty Calculator](https://propertyed.com.au/stamp-duty-calculator/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”158px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”2px||33px|||” background_color_gradient_stops_tablet=”#ed1846 0%|#581b5c 100%” background_color_gradient_stops_phone=”#ed1846 0%|#581b5c 100%” global_module=”782″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”|auto|-25px|auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ header_text_color=”#FFFFFF” header_font_size=”56px” header_2_text_color=”#ffffff” header_2_font_size=”60px” custom_margin=”37px|||||” global_colors_info=”{}”]Mortgage Calculator[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ width=”90%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text module_class=”calculator-heading” _builder_version=”4.27.4″ header_text_align=”left” header_text_color=”#000000″ header_2_text_align=”center” custom_margin=”||20px||false|false” custom_margin_tablet=”||40px||false|false”
- [Loan Repayment Calculator](https://propertyed.com.au/loan-repayment-calculator/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”158px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”2px||33px|||” background_color_gradient_stops_tablet=”#ed1846 0%|#581b5c 100%” background_color_gradient_stops_phone=”#ed1846 0%|#581b5c 100%” global_module=”782″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”|auto|-25px|auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ header_text_color=”#FFFFFF” header_font_size=”56px” header_2_text_color=”#ffffff” header_2_font_size=”60px” custom_margin=”37px|||||” global_colors_info=”{}”]Mortgage Calculator[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ width=”90%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text module_class=”calculator-heading” _builder_version=”4.27.4″ header_text_align=”left” header_text_color=”#000000″ header_2_text_align=”center” custom_margin=”||20px||false|false” custom_margin_tablet=”||40px||false|false”
- [Borrowing Capacity Calculator](https://propertyed.com.au/borrowing-capacity-calculator/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”158px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”2px||33px|||” background_color_gradient_stops_tablet=”#ed1846 0%|#581b5c 100%” background_color_gradient_stops_phone=”#ed1846 0%|#581b5c 100%” global_module=”782″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”|auto|-25px|auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ header_text_color=”#FFFFFF” header_font_size=”56px” header_2_text_color=”#ffffff” header_2_font_size=”60px” custom_margin=”37px|||||” global_colors_info=”{}”]Mortgage Calculator[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ width=”90%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text module_class=”calculator-heading” _builder_version=”4.27.4″ header_text_align=”left” header_text_color=”#000000″ header_2_text_align=”center” custom_margin=”||20px||false|false” custom_margin_tablet=”||40px||false|false”
- [Home Loan Blog](https://propertyed.com.au/home-loan-blog/) - Stay updated with our Home Loan Blog, featuring essential tips, advice, and the latest news to help you make informed decisions about your mortgage.
- [Refinance](https://propertyed.com.au/refinance/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.18.1″ background_image=”https://propertyed.com.au/wp-content/uploads/2020/12/Property-Ed-refinance.jpg” background_position=”top_right” background_vertical_offset=”0%” background_last_edited=”on|tablet” background_position_phone=”top_center” background_vertical_offset_tablet=”-100%” background_vertical_offset_phone=”-100%” global_colors_info=”{}”][et_pb_fullwidth_header title=”Refinance” subhead=”Feeling like your mortgage is stuck in the past?” button_one_text=”GET HELP REFINANCING” _builder_version=”4.18.1″ title_font=”|800|||||||” title_text_align=”left” title_text_color=”#FFFFFF” title_font_size=”90px” subhead_font=”|700|||||||” subhead_font_size=”25px” background_color=”rgba(0,0,0,0)” background_enable_image=”off” background_position=”top_right” custom_button_one=”on” button_one_text_size=”23px” button_one_text_color=”#FFFFFF” button_one_bg_color=”#ED1846″ button_one_border_radius=”50px” button_one_font=”|600|||||||” min_height=”900px” custom_margin=”||-75px||false|false” custom_padding=”200px||||false|false” background_last_edited=”on|desktop” background_position_tablet=”top_center” background_position_phone=”top_center” button_one_text_size_tablet=”23px” button_one_text_size_phone=”18px” button_one_text_size_last_edited=”on|phone” custom_css_main_element=”display: flex;||align-items: center;||justify-content: center;” title_text_shadow_style=”preset5″
- [Events](https://propertyed.com.au/events/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header title=”Events” _builder_version=”4.18.1″ _module_preset=”default” title_font=”Montserrat|700|||||||” title_font_size=”60px” content_font_size=”29px” content_line_height=”1.2em” background_image=”https://propertyed.com.au/wp-content/uploads/2024/08/propertyed-event-attendees.png” custom_margin=”100px||||false|false” custom_padding=”||33px||false|false” inline_fonts=”Montserrat,Poppins” global_colors_info=”{}”] Gain the knowledge and confidence to buy your first home and learn how to reach your financial goals. Join events at The Property Education Company to get started.[/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” padding_top_1=”0px” padding_top_2=”20px” admin_label=”Event” _builder_version=”4.16″ custom_margin=”-17px|||||” custom_padding=”50px|0px|18px|0px|false|false”
- [Shey Capitan - Loan Settlement Specialist](https://propertyed.com.au/shey-capitan-loan-settlement-specialist/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_text_color=”#ffffff” header_text_color=”#FFFFFF” header_font_size=”25px” header_2_text_color=”#ffffff” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Shey Capitan Loan Settlement Specialist[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.16″ custom_padding=”||81px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_line_height=”1.8em” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Bringing her professional experience from working in several
- [Yezan Fuentes - Loan Processing Specialist](https://propertyed.com.au/yezan-fuentes-loan-processing-specialist/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_text_color=”#ffffff” header_text_color=”#FFFFFF” header_font_size=”25px” header_2_text_color=”#ffffff” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Yezan Fuentes Loan Processing Specialist[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.16″ custom_margin=”-29px|auto||auto||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”||41px|||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Yezan brings an exceptional attitude to making the
- [Melanie Rama - Documents & Pricing Specialist](https://propertyed.com.au/melanie-rama-documents-pricing-specialist/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_text_color=”#ffffff” header_text_color=”#FFFFFF” header_font_size=”25px” header_2_text_color=”#ffffff” global_colors_info=”{}”]Melanie Rama Documents & Pricing Specialist[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.16″ custom_margin=”-29px|auto||auto||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ custom_margin=”||41px|||” global_colors_info=”{}”]With a Bachelor’s degree in Business Administration majoring in Financial Management,
- [What Is My Borrowing Capacity](https://propertyed.com.au/what-is-my-borrowing-capacity/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider show_divider=”off” _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”]What Is My Borrowing Capacity? If you’ve been wondering… “What is my borrowing capacity?” then by simply completing our 7-step questionnaire, we’ll be able to give
- [Claudia Uy](https://propertyed.com.au/meet-our-team-mortgage-brokers-melbourne/claudia-uy-loan-settlement/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ _dynamic_attributes=”link_option_url” text_text_color=”#ffffff” link_text_color=”#FFFFFF” header_font=”||||||||” header_text_color=”#FFFFFF” header_font_size=”25px” header_2_text_color=”#ffffff” link_option_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjYxNCJ9fQ==@” link_option_url_new_window=”on” global_colors_info=”{}”]Claudia Uy Loan Post-Settlement Specialist[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”29px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.18.1″ custom_padding=”||62px|||” animation_style=”slide” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_line_height=”1.75em” global_colors_info=”{}”]Claudia is our loan post-settlement specialist.
- [James Gregors - Finance Broker](https://propertyed.com.au/meet-our-team-mortgage-brokers-melbourne/james-gregors-finance-broker/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_text_color=”#ffffff” link_text_color=”#FFFFFF” header_font=”||||||||” header_font_size=”25px” header_2_text_color=”#ffffff” global_colors_info=”{}”]James Gregors Mortgage and Finance Broker[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”32px||0px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.16″ custom_padding=”||6px|||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_line_height=”1.8em” ul_line_height=”1.7em” header_2_font_size=”34px” global_colors_info=”{}”]As an MFAA finance broker, James has been
- [Louise Lucas - Mortgage Broker](https://propertyed.com.au/meet-our-team-mortgage-brokers-melbourne/louise-lucas-mortgage-broker/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#ed1846 0%|#581b5c 100%” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_text_color=”#ffffff” header_text_color=”#FFFFFF” header_font_size=”25px” header_2_text_color=”#ffffff” global_colors_info=”{}”]Louise Lucas CEO and Founder[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.18.1″ animation_style=”slide” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ text_line_height=”1.8em” global_colors_info=”{}”]Louise has a deep love of finance and helping people use leverage
- [Podcast](https://propertyed.com.au/podcast/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.18.1″ _module_preset=”default” background_color=”#FFFFFF” background_image=”https://propertyed.com.au/wp-content/uploads/2024/07/Podcaster-34c.png” background_position=”bottom_center” custom_padding=”||||false|false” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.17.0″ _module_preset=”default” background_image=”https://propertyed.com.au/wp-content/uploads/2024/07/Podcaster-26b.png” background_size=”contain” custom_margin=”||||false|false” custom_padding=”4%||4%||true|false” background_last_edited=”on|tablet” background_size_tablet=”cover” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.17.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.0″ _module_preset=”c16985e1-e0d6-4022-964d-e2bfc04fa633″ text_text_color=”#7CDA24″ header_font=”Sarabun|800|||||||” header_text_color=”#FFFFFF” header_font_size=”72px” header_line_height=”1.2em” custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” hover_enabled=”0″ header_font_size_tablet=”40px” header_font_size_phone=”24px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” sticky_enabled=”0″]Fitness & Finance[/et_pb_text][et_pb_text _builder_version=”4.17.0″ _module_preset=”4827deed-2a92-4d97-a22f-f01067ae6873″ header_font=”||||||||” header_4_font=”Sarabun|700|||||||” header_4_text_color=”#FFFFFF” header_4_font_size=”24px” header_4_line_height=”1.3em” custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|tablet”
- [How to Buy Your First Property in 2024 (Webinar)](https://propertyed.com.au/how-to-buy-your-first-property-in-2024-webinar/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.18.1″ _module_preset=”default” background_image=”https://propertyed.com.au/wp-content/uploads/2024/07/couple-happy-after-BUYING-FIRST-HOME.png” background_position=”top_right” custom_margin=”100px||||false|false” custom_margin_tablet=”100px||||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” custom_padding_phone=”||||false|false” background_last_edited=”on|phone” background_image_phone=”https://propertyed.com.au/wp-content/uploads/2024/07/happy-first-home-buyers.png” background_enable_image_phone=”on” background_size_phone=”cover” background_position_phone=”center” module_alignment_tablet=”” module_alignment_phone=”center” module_alignment_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ _module_preset=”default” header_font=”Montserrat|700|||||||” header_text_align=”right” header_text_color=”#FFFFFF” header_4_font=”Montserrat||||||||” header_4_text_align=”right” header_4_text_color=”#FFFFFF” header_4_font_size=”30px” custom_margin=”|-2px|||false|false” custom_margin_tablet=”|-2px|||false|false” custom_margin_phone=”2px|-1px|||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”5px||||false|false” custom_padding_last_edited=”on|phone” header_font_tablet=”Montserrat|700|||||||” header_font_phone=”Montserrat|700|||||||” header_font_last_edited=”on|desktop” header_text_color_tablet=”#FFFFFF” header_text_color_phone=”#FFFFFF” header_text_color_last_edited=”on|desktop” header_font_size_tablet=”” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone”
- [Mortgage Calculator](https://propertyed.com.au/mortgage-calculator/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”200px||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ global_colors_info=”{}”]Mortgage Calculator Useful Mortgage Calculator Tools to Empower You Financially[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”]Get a Better Picture of Your Home Loan Position Using One of Our Basic Mortgage Calculator Tools Whether you are a first-home buyer or a
- [How to Buy Your First Property Investment in 2023](https://propertyed.com.au/eventsold/how-to-buy-your-first-property-investment-in-2023/)
- [How to Buy Your First Property in 2023 - June Webinar](https://propertyed.com.au/eventsold/how-to-buy-your-first-property-in-2023-june-webinar/)
- [Yes, I am a First Home Buyer](https://propertyed.com.au/yes-i-am-a-first-home-buyer/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.4.8″][et_pb_fullwidth_header title=”Yes, I am a First Home Buyer ” _builder_version=”4.4.8″ title_text_align=”left” title_text_color=”#ed1846″ title_font_size=”52px” background_color=”rgba(0,0,0,0)” background_image=”https://propertyed.com.au/wp-content/uploads/2020/12/couple-dreaming-of-house-v2.jpg” min_height=”900px” custom_margin=”||||false|false” custom_padding=”220px||||false|false” custom_css_main_element=”display: flex;||align-items: center;||justify-content: center;||background-position:0 10%;”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.4.8″ custom_padding=”||||false|false”][et_pb_row _builder_version=”4.4.8″][et_pb_column type=”4_4″ _builder_version=”4.4.8″][et_pb_text _builder_version=”4.4.8″ hover_enabled=”0″]We know it can be a daunting prospect to buy your first home but we also know help is available to get
- [Yes, I would like to Refinance](https://propertyed.com.au/yes-i-would-like-to-refinance/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.4.8″][et_pb_fullwidth_header title=”Yes, I would like to Refinance ” _builder_version=”4.4.8″ title_text_align=”left” title_text_color=”#ed1846″ title_font_size=”52px” background_color=”rgba(0,0,0,0)” background_image=”https://propertyed.com.au/wp-content/uploads/2020/12/WorriedAboutMoney.jpg” min_height=”900px” custom_margin=”||||false|false” custom_padding=”220px||||false|false” hover_enabled=”0″ custom_css_main_element=”display: flex;||align-items: center;||justify-content: center;||background-position:0 40%;” title_text=”WorriedAboutMoney” background_overlay_color=”rgba(0,0,0,0.2)”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.4.8″ custom_padding=”||||false|false”][et_pb_row _builder_version=”4.4.8″][et_pb_column type=”4_4″ _builder_version=”4.4.8″][et_pb_text _builder_version=”4.4.8″ hover_enabled=”0″]Refinancing is not a dirty word – it really is a great option to think about your current financial position
- [Yes, I am interested in Investing](https://propertyed.com.au/yes-i-am-interested-in-investing/) - [et_pb_section fb_built=”1″ _builder_version=”4.4.8″ use_background_color_gradient=”on” background_color_gradient_start=”#ed1846″ background_color_gradient_end=”#581b5c” background_color_gradient_direction=”90deg” custom_margin=”168px||||false|false” custom_margin_tablet=”188px||||false|false” custom_margin_phone=”186px||||false|false” custom_margin_last_edited=”on|phone”][et_pb_row _builder_version=”4.4.8″][et_pb_column type=”4_4″ _builder_version=”4.4.8″][et_pb_text _builder_version=”4.4.8″ header_2_text_color=”#ffffff” hover_enabled=”0″]Yes, I am interested in Investing [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.4.8″ custom_padding=”||||false|false”][et_pb_row _builder_version=”4.4.8″][et_pb_column type=”4_4″ _builder_version=”4.4.8″][et_pb_image src=”https://propertyed.com.au/wp-content/uploads/2020/12/quiz.jpg” _builder_version=”4.4.8″ title_text=”quiz” align=”center” url=”/quiz-which-style-of-property-investor-are-you/” hover_enabled=”0″][/et_pb_image][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.4.8″][et_pb_column type=”4_4″ _builder_version=”4.4.8″][et_pb_button button_url=”https://baysidefinancial.activehosted.com/f/28″ url_new_window=”on” button_text=”Download our Investor Case Study” button_alignment=”center” _builder_version=”4.4.8″ custom_button=”on” button_text_color=”#000000″ button_border_radius=”20px” button_use_icon=”off” custom_margin=”||||false|false” custom_margin_tablet=”” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone”

## Quizzes & Surveys

- [Investor Quiz](https://propertyed.com.au/quiz/investor-quiz/)

## Knowledge Base

- [Should I buy a house now or wait until later in 2026 in Melbourne?](https://propertyed.com.au/knowledge-base/buying-first-home-melbourne/should-i-buy-a-house-now-or-wait-until-later-in-2026-in-melbourne/) - Choosing to buy now or wait in Melbourne should be dictated by your true financial readiness and borrowing capacity rather than speculative market predictions.
- [How long does it realistically take to buy a home in Melbourne in 2026?](https://propertyed.com.au/knowledge-base/buying-first-home-melbourne/how-long-does-it-realistically-take-to-buy-a-home-in-melbourne-in-2026/) - Purchasing a home in Melbourne usually spans 4 to 8 months, with finance pre-approval being the key factor to ensuring a faster timeline.
- [What government grants are available for first home buyers in Victoria in 2026?](https://propertyed.com.au/knowledge-base/buying-first-home-melbourne/what-government-grants-are-available-for-first-home-buyers-in-victoria-in-2026/) - First home buyers in Victoria can leverage federal guarantees, state shared-equity funds, and significant stamp duty concessions to accelerate their entry in 2026.
- [How long do I need to keep a guarantor on my home loan in Australia?](https://propertyed.com.au/knowledge-base/partial-guarantor/how-long-do-i-need-to-keep-a-guarantor-on-my-home-loan-in-australia/) - A guarantor normally stays on a home loan for 3 to 7 years until the loan-to-value ratio reaches 80% and a formal release is triggered.
- [How long does property settlement take in Melbourne in 2026?](https://propertyed.com.au/knowledge-base/property-settlement/how-long-does-property-settlement-take-in-melbourne-in-2026/) - While the standard property settlement period in Melbourne spans 60 days, buyers can negotiate for 30 or 90 days depending on their financial readiness.
- [How much deposit do I need to buy a house in Melbourne in 2026?](https://propertyed.com.au/knowledge-base/buying-first-home-melbourne/how-much-deposit-do-i-need-to-buy-a-house-in-melbourne-in-2026/) - To buy a house in Melbourne in 2026, you may only need a minimum deposit of 2% or 5% if you qualify for government support schemes.
- [How does a family guarantor home loan work in Victoria in 2026?](https://propertyed.com.au/knowledge-base/partial-guarantor/how-does-a-family-guarantor-home-loan-work-in-victoria-in-2026/) - In Victoria, utilizing a family guarantor means undergoing strict independent legal advice and navigating specific encumbrance registrations with the Land Registry.
- [What is the penalty interest rate for a delayed property settlement in Victoria in 2026?](https://propertyed.com.au/knowledge-base/property-settlement/what-is-the-penalty-interest-rate-for-a-delayed-property-settlement-in-victoria-in-2026/) - A penalty interest rate for delayed property settlements in Victoria is usually specified in the contract and can typically run between 9% and 11% annually.
- [Will Melbourne house prices go up or down in 2026?](https://propertyed.com.au/knowledge-base/buying-first-home-melbourne/will-melbourne-house-prices-go-up-or-down-in-2026/) - Predictions for Melbourne's property market in 2026 vary significantly, meaning long-term suitability should be prioritised over attempting to perfectly time the market.
- [What is the income cap for the Help to Buy scheme in Australia in 2026?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/what-is-the-income-cap-for-the-help-to-buy-scheme-in-australia-in-2026/) - In 2026, the Help to Buy scheme is restricted to singles earning up to $100,000 and couples or single parents earning up to $160,000 annually.
- [How much can I save by refinancing my home loan in Australia in 2026?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/how-much-can-i-save-by-refinancing-my-home-loan-in-australia-in-2026/) - A typical mortgage refinance in 2026 can yield thousands of dollars in annual savings, with most borrowers breaking even on switching costs within 4 to 7 months.
- [Can my parents act as guarantor on my home loan in Australia in 2026?](https://propertyed.com.au/knowledge-base/partial-guarantor/can-my-parents-act-as-guarantor-on-my-home-loan-in-australia-in-2026/) - A parental guarantor home loan allows you to use your parents' property equity to bypass the 20% deposit barrier and avoid LMI in 2026.
- [What happens if property settlement is delayed in Victoria in 2026?](https://propertyed.com.au/knowledge-base/property-settlement/what-happens-if-property-settlement-is-delayed-in-victoria-in-2026/) - Delayed property settlements in Victoria can trigger severe penalty interest rates or allow holding cost recovery, depending on who caused the delay.
- [Is it a good time to buy a first home in Melbourne in 2026?](https://propertyed.com.au/knowledge-base/buying-first-home-melbourne/is-it-a-good-time-to-buy-a-first-home-in-melbourne-in-2026/) - For prepared first home buyers, 2026 is a compelling time to enter the Melbourne market thanks to relative property affordability and robust state and federal schemes.
- [What does it mean if the government owns 30% of my house under Help to Buy?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/what-does-it-mean-if-the-government-owns-30-of-my-house-under-help-to-buy/) - Under Help to Buy, the government's 30% stake means they don't charge interest, but they will claim 30% of the property's value when it is eventually sold.
- [Is 2026 a good year to refinance a mortgage in Australia?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/is-2026-a-good-year-to-refinance-a-mortgage-in-australia/) - With aggressive lender competition driving a wider gap between new and legacy rates, 2026 is an excellent year to refinance if you hold substantial equity.
- [Can I use Help to Buy and the First Home Guarantee at the same time in 2026?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/can-i-use-help-to-buy-and-the-first-home-guarantee-at-the-same-time-in-2026/) - Help to Buy and the First Home Guarantee cannot be used concurrently; buyers must pick the scheme that best aligns with their deposit size and borrowing limit.
- [What is the best variable rate home loan in Australia in June 2026?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/what-is-the-best-variable-rate-home-loan-in-australia-in-june-2026/) - In June 2026, the most competitive variable mortgage rates belong to smaller lenders and credit unions, sitting between 5.9% and 6.2%.
- [What are the property price caps for Help to Buy in Melbourne in 2026?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/what-are-the-property-price-caps-for-help-to-buy-in-melbourne-in-2026/) - The maximum property purchase price for utilizing the Help to Buy scheme in Melbourne and Geelong is capped at $950,000 in 2026.
- [How do I refinance to a lower rate after three RBA hikes in 2026?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/how-do-i-refinance-to-a-lower-rate-after-three-rba-hikes-in-2026/) - Securing a lower rate after three 2026 RBA hikes requires knowing your baseline, checking the full market, and potentially negotiating with your existing lender.
- [Am I eligible for the Help to Buy scheme in Victoria in 2026?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/am-i-eligible-for-the-help-to-buy-scheme-in-victoria-in-2026/) - Eligibility for Help to Buy in Victoria rests on strict income caps, Australian citizenship, zero existing property ownership, and adherence to regional price limits.
- [Is now a good time to refinance in Melbourne in 2026?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/is-now-a-good-time-to-refinance-in-melbourne-in-2026/) - With Melbourne's property prices recovering and interest rates rising, 2026 is a strong time to audit your mortgage and seek a better deal.
- [How does the Help to Buy shared equity scheme work in Australia in 2026?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/how-does-the-help-to-buy-shared-equity-scheme-work-in-australia-in-2026/) - The Help to Buy scheme acts as a government co-investment, letting eligible Australians buy property with a 2% deposit and lowered monthly loan repayments.
- [Should I refinance my home loan after the May 2026 rate rise?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/should-i-refinance-my-home-loan-after-the-may-2026-rate-rise/) - The May 2026 rate rise is a perfect prompt to assess if you are paying a loyalty premium and whether refinancing could yield significant monthly savings.
- [What is a split home loan and should I get one in 2026 in Australia?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/what-is-a-split-home-loan-and-should-i-get-one-in-2026-in-australia/) - A split home loan offers the best of both worlds in 2026: the certainty of a fixed rate for part of your balance, and the flexibility of a variable rate for the rest.
- [How much has the May 2026 RBA rate rise cut my borrowing capacity?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-much-has-the-may-2026-rba-rate-rise-cut-my-borrowing-capacity/) - The RBA's May 2026 cash rate hike slashed borrowing capacity by an estimated $12,000 to $18,000 for every $100,000 earned, requiring pre-approvals to be reassessed.
- [Fixed vs variable home loan: which is the right option in June 2026?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/fixed-vs-variable-home-loan-which-is-the-right-option-in-june-2026/) - Choosing between fixed and variable rates in June 2026 depends on whether you can absorb potential rate increases or if budget certainty is a necessity.
- [What salary do you need to afford a $600,000 home loan in Australia in 2026?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/what-salary-do-you-need-to-afford-a-600000-home-loan-in-australia-in-2026/) - To comfortably service a $600,000 home loan in 2026 amidst current APRA buffers, a single borrower generally needs a gross income between $110,000 and $125,000.
- [Should I fix my home loan rate before the June 2026 RBA decision?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/should-i-fix-my-home-loan-rate-before-the-june-2026-rba-decision/) - Fixing your mortgage to avoid a potential June 2026 RBA rate hike may not be mathematically sound, as markets have already priced in the expected increases.
- [How much deposit do I need for a $700,000 house in Australia in 2026?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-much-deposit-do-i-need-for-a-700000-house-in-australia-in-2026/) - Depending on government schemes, you might only need a $14,000 to $35,000 deposit to secure a $700,000 home in Australia in 2026.
- [How much does fixing my home loan rate cost in Australia in 2026?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/how-much-does-fixing-my-home-loan-rate-cost-in-australia-in-2026/) - Fixing your home loan rate in 2026 usually involves paying a rate premium over variable options, along with potential variation fees and break costs.
- [Has the May 2026 rate rise reduced my borrowing power?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/has-the-may-2026-rate-rise-reduced-my-borrowing-power/) - The May 2026 RBA rate rise directly impacts your borrowing power, reducing your assessed capacity as serviceability buffer rates adjust upward.
- [Fixed vs variable home loan: which is better in 2026 in Australia?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/fixed-vs-variable-home-loan-which-is-better-in-2026-in-australia/) - Choosing between a fixed or variable home loan in 2026 depends on whether you value repayment certainty over flexibility and potential future savings.
- [How much can a couple borrow on a combined $200,000 salary in 2026?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-much-can-a-couple-borrow-on-a-combined-200000-salary-in-2026/) - Couples earning a combined $200,000 in 2026 can often borrow between $900,000 and $1,100,000, though factors like dependents and debts can significantly alter this.
- [Is it too late to switch to a fixed rate home loan in Australia in 2026?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/is-it-too-late-to-switch-to-a-fixed-rate-home-loan-in-australia-in-2026/) - While fixed rates have already priced in expected RBA rises in 2026, fixing can still provide essential budget certainty for households.
- [How much can I borrow on a $100,000 salary in Australia in 2026?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-much-can-i-borrow-on-a-100000-salary-in-australia-in-2026/) - A $100,000 salary in 2026 generally allows you to borrow between $480,000 and $600,000, assuming you have a clean financial profile without HECS debt.
- [What happens to my variable rate mortgage after the May 2026 rate rise?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/what-happens-to-my-variable-rate-mortgage-after-the-may-2026-rate-rise/) - Your lender will pass on the May 2026 variable rate rise, increasing your repayments and prompting a review of your budget and market rates.
- [How much can I borrow on an $80,000 salary in Australia in 2026?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-much-can-i-borrow-on-an-80000-salary-in-australia-in-2026/) - In 2026, an $80,000 salary typically supports a loan of $360,000 to $450,000, making debt reduction and government schemes essential for first home buyers.
- [Should I fix my home loan rate in Australia in 2026?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/should-i-fix-my-home-loan-rate-in-australia-in-2026/) - Deciding to fix your home loan rate in 2026 is a choice between repayment certainty and flexibility, rather than trying to outsmart market predictions.
- [How much can I borrow on a $120,000 salary in Australia in 2026?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-much-can-i-borrow-on-a-120000-salary-in-australia-in-2026/) - A $120,000 salary in 2026 typically supports a home loan between $550,000 and $700,000, depending heavily on your debts, credit limits, and chosen lender.
- [What is a low-doc home loan for self-employed borrowers?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/what-is-a-low-doc-home-loan-for-self-employed-borrowers/) - Low-doc (or alt-doc) loans allow self-employed borrowers to verify income using BAS and statements instead of traditional tax returns.
- [Do self-employed borrowers pay higher interest rates on mortgages in Australia?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/do-self-employed-borrowers-pay-higher-interest-rates-on-mortgages-in-australia/) - Self-employed borrowers don't automatically pay more; full-doc applications often receive the same rates as PAYG employees.
- [Can I get a home loan with only 1 year of self-employment?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/can-i-get-a-home-loan-with-only-1-year-of-self-employment/) - Yes, but you'll likely need a 20-30% deposit and 12 months of BAS statements to qualify through specialist lenders.
- [What documentation is required for self-employed borrowers in 2026?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/what-documentation-is-required-for-self-employed-borrowers-in-2026/) - Documentation for self-employed loans includes tax returns for full-doc pathways or BAS statements and letters for alt-doc applications.
- [How do I get approved for a loan if I'm self-employed?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-do-i-get-approved-for-a-loan-if-im-self-employed/) - Self-employed approval depends on organized financials, separating accounts, and using a broker who understands 'add-backs'.
- [How much home loan can I get if I'm self-employed in 2026?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-home-loan-can-i-get-if-im-self-employed-in-2026/) - Your borrowing capacity as a self-employed person depends heavily on lender 'add-back' policies and DTI caps.
- [How much can I borrow on $90,000 salary in 2026 in Australia?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-90000-salary-in-2026-in-australia/) - A $90,000 salary typically supports a borrowing capacity of $345,000 to $465,000 under current Australian rules.
- [What do you need to show for a self-employed mortgage?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/what-do-you-need-to-show-for-a-self-employed-mortgage/) - Lenders assess self-employed mortgages based on two-year income averages, business stability (ABN tenure), and 'add-backs'.
- [How much can I borrow on $150,000 salary?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-150000-salary/) - Borrowers with a $150,000 salary can expect an approved loan range between $620,000 and $810,000.
- [What documents are required for a self-employed home loan in Australia?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/what-documents-are-required-for-a-self-employed-home-loan-in-australia/) - Documentation for self-employed loans includes tax returns for full-doc pathways or BAS statements and letters for alt-doc applications.
- [How much can I borrow on a reverse mortgage?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-a-reverse-mortgage/) - Reverse mortgages typically allow borrowing between 15% and 40% of home equity depending on the borrower's age.
- [Can I get a home loan if I'm self-employed in 2026?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/can-i-get-a-home-loan-if-im-self-employed-in-2026/) - Yes, self-employed individuals can access home loans in 2026 via major banks or specialist lenders depending on documentation.
- [How much can I borrow on $110,000 salary in 2026?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-110000-salary-in-2026/) - On a $110,000 salary, your home loan borrowing capacity is likely to sit between $435,000 and $580,000.
- [How do I get a home loan if I'm self-employed in Australia?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-do-i-get-a-home-loan-if-im-self-employed-in-australia/) - Self-employed borrowers can secure home loans using either full-doc (tax returns) or alt-doc (BAS statements) pathways.
- [I'm Self-Employed — How Do Lenders Assess My Income When Working Out How Much I Can Borrow?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/im-self-employed-how-do-lenders-assess-my-income-when-working-out-how-much-i-can-borrow-2/) - Self-employed income is assessed on a 2-year average, not current earnings — and documentation structure matters as much as the income itself. Here's how lenders approach it.
- [Can I refinance if I'm behind on payments?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/can-i-refinance-if-im-behind-on-payments/) - While difficult, refinancing while behind on payments is possible through some non-bank lenders, though clearing arrears first is recommended.
- [How much can I borrow on $200,000 salary in 2026 in Australia?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-200000-salary-in-2026-in-australia/) - A $200,000 income can support borrowing between $850,000 and $1.08 million, depending on individual liabilities.
- [How Do Lenders Calculate Borrowing Capacity for a Couple Applying Together?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-do-lenders-calculate-borrowing-capacity-for-a-couple-applying-together/) - Joint applications combine both incomes — but also both sets of debts, HECS, and credit cards. Here's how lenders calculate borrowing capacity for couples and what affects the outcome.
- [Can I refinance with a different bank in Australia?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/can-i-refinance-with-a-different-bank-in-australia/) - Yes, refinancing with a different bank is a standard practice used to access more competitive interest rates offered to new customers.
- [How much can I borrow on $80,000 salary in Australia?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-80000-salary-in-australia/) - An $80,000 salary typically allows for a home loan between $300,000 and $410,000 under current 2026 tests.
- [Will Closing My Credit Card Before Applying Actually Increase My Borrowing Power?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/will-closing-my-credit-card-before-applying-actually-increase-my-borrowing-power/) - An unused $10,000 credit limit can reduce borrowing capacity by $50,000–$80,000. Closing cards before applying removes that liability — here's the timing and what it doesn't fix.
- [Can I refinance my mortgage with bad credit?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/can-i-refinance-my-mortgage-with-bad-credit/) - Refinancing with bad credit is possible through specialist non-bank lenders, though interest rates are typically 1-3% higher.
- [How much can I borrow on $180,000 salary in 2026 in Australia?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-180000-salary-in-2026-in-australia/) - Borrowers on a $180,000 salary can typically access loan amounts between $750,000 and $980,000.
- [How Does a HECS Debt Affect How Much I Can Borrow for a Home Loan?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-does-a-hecs-debt-affect-how-much-i-can-borrow-for-a-home-loan/) - HECS reduces borrowing capacity through the compulsory repayment, not the balance itself. Here's how lenders treat it, the repayment rates by income, and whether paying it off first makes sense.
- [What disqualifies you from refinancing?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/what-disqualifies-you-from-refinancing/) - Refinancing disqualification often stems from low equity (high LVR), failure to meet serviceability buffers, or poor credit history.
- [How much can I borrow on $120,000 salary?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-120000-salary/) - A $120,000 salary generally supports a home loan between $480,000 and $640,000 in the current 2026 environment.
- [Why Does My Borrowing Capacity Look So Much Lower Than I Expected?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/why-does-my-borrowing-capacity-look-so-much-lower-than-i-expected/) - Online calculators consistently overstate what lenders actually approve. Here's why — the serviceability buffer, credit card limits, HECS, BNPL accounts, and the HEM benchmark explained.
- [How much could I save by refinancing my home loan in 2026?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/how-much-could-i-save-by-refinancing-my-home-loan-in-2026/) - Refinancing can save thousands annually, such as $2,400 on a $600,000 loan with a 0.4% rate reduction.
- [How much can I borrow on $100,000 salary in 2026?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/how-much-can-i-borrow-on-100000-salary-in-2026/) - On a $100,000 salary, typical borrowing capacity ranges from $390,000 to $520,000 depending on liabilities.
- [What Are the Property Price Caps for the First Home Guarantee in Sydney, Melbourne and Brisbane?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/what-are-the-property-price-caps-for-the-first-home-guarantee-in-sydney-melbourne-and-brisbane/) - Sydney's cap moved to $1,500,000 under the First Home Guarantee in 2025. Here are the current price caps for every capital city and region — and what they mean in practice.
- [How Can Rising Interest Rates Affect Property Investors and Borrowing Capacity?](https://propertyed.com.au/knowledge-base/building-your-portfolio/how-can-rising-interest-rates-affect-property-investors-and-borrowing-capacity/) - Rising rates affect holding costs, borrowing capacity, and debt-to-income assessments across a portfolio. Here's what property investors should consider when rates are on the move.
- [How much does it cost to refinance a mortgage in Australia?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/how-much-does-it-cost-to-refinance-a-mortgage-in-australia/) - Standard refinancing costs between $500 and $2,000, though cashback offers and fee waivers can often offset these expenses.
- [Can I Use the First Home Super Saver Scheme Alongside the Government's 5% Deposit Scheme?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/can-i-use-the-first-home-super-saver-scheme-alongside-the-governments-5-deposit-scheme/) - The FHSS and First Home Guarantee can be used together — but the timing and sequence matter. Here's how each scheme works and what to watch when combining them.
- [What Ownership Structures Can Be Used When Purchasing an Investment Property?](https://propertyed.com.au/knowledge-base/building-your-portfolio/what-ownership-structures-can-be-used-when-purchasing-an-investment-property/) - Investment properties can be held in individual names, jointly, through a trust, or through a company — each with different implications. Specialist advice is essential before deciding.
- [How does refinancing work on a mortgage?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/how-does-refinancing-work-on-a-mortgage/) - Refinancing works by discharging your current mortgage and registering a new one, either with your existing bank or a new lender.
- [Do I Still Qualify for the First Home Owner Grant If I'm Buying an Established Property?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/do-i-still-qualify-for-the-first-home-owner-grant-if-im-buying-an-established-property/) - In most states the FHOG applies to new builds only — but stamp duty concessions for established properties are often worth more and frequently overlooked. Here's the state-by-state breakdown.
- [How Long Does It Typically Take to Build a Property Portfolio?](https://propertyed.com.au/knowledge-base/building-your-portfolio/how-long-does-it-typically-take-to-build-a-property-portfolio/) - Building a property portfolio takes years, not months. Here's how the process typically unfolds, what the ATO data says about Australian investors, and what affects the pace.
- [What fees are involved in refinancing a mortgage in Australia?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/what-fees-are-involved-in-refinancing-a-mortgage-in-australia/) - Refinancing fees usually range between $500 and $2,000, including discharge, registration, and potential LMI costs.
- [Has the First Home Guarantee Scheme Changed Now That Interest Rates Are Rising in 2026?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/has-the-first-home-guarantee-scheme-changed-now-that-interest-rates-are-rising-in-2026/) - The First Home Guarantee scheme itself hasn't changed — but rising rates in 2026 affect your borrowing capacity and repayment buffer. Here's what still applies and what's shifted.
- [Is There a Limit to How Many Investment Properties a Lender May Approve?](https://propertyed.com.au/knowledge-base/building-your-portfolio/is-there-a-limit-to-how-many-investment-properties-a-lender-may-approve/) - There's no fixed limit on investment properties — but serviceability tightens as the portfolio grows. Here's how lenders assess multiple properties and why lender selection matters.
- [What are the disadvantages of refinancing a home?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/what-are-the-disadvantages-of-refinancing-a-home/) - Disadvantages of refinancing include switching costs, the risk of resetting your loan term, and potential LMI costs.
- [What Government Grants and Schemes Are Available for First Home Buyers in Australia in 2026?](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/what-government-grants-and-schemes-are-available-for-first-home-buyers-in-australia-in-2026/) - Most first home buyers know a grant exists — few know which ones they qualify for and how they interact. Here's a plain-English breakdown of every scheme available in 2026 and how they work together.
- [How Can Equity in an Existing Property Be Used When Purchasing Another Investment Property?](https://propertyed.com.au/knowledge-base/building-your-portfolio/how-can-equity-in-an-existing-property-be-used-when-purchasing-another-investment-property/) - Equity in an existing investment property can fund the next purchase — subject to serviceability and lender approval. Here's how usable equity is calculated and what lenders assess.
- [What exactly happens when you refinance your home in 2026?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/what-exactly-happens-when-you-refinance-your-home-in-2026/) - Refinancing involves replacing your home loan with a new one to secure better rates or features, typically taking 3 to 6 weeks.
- [How does property settlement work in Australia?](https://propertyed.com.au/knowledge-base/property-settlement/how-does-property-settlement-work-in-australia/) - Understand the 4-step property settlement process in Australia, from contract exchange to final possession.
- [What are the consequences of a delayed settlement in Australia?](https://propertyed.com.au/knowledge-base/property-settlement/what-are-the-consequences-of-a-delayed-settlement-in-australia/) - Delayed property settlements can result in penalty interest, legal notices, and potential loss of deposit.
- [What is the penalty interest on a delayed settlement?](https://propertyed.com.au/knowledge-base/property-settlement/what-is-the-penalty-interest-on-a-delayed-settlement/) - Penalty interest is a daily cost calculated on the unpaid purchase balance when a property settlement is delayed.
- [What is the property settlement process in Victoria in 2026?](https://propertyed.com.au/knowledge-base/property-settlement/what-is-the-property-settlement-process-in-victoria-in-2026/) - Victorian property settlement requires a Section 32 Vendor Statement and typically follows a 60-day timeline via PEXA.
- [What happens during a property settlement in Australia in 2026?](https://propertyed.com.au/knowledge-base/property-settlement/what-happens-during-a-property-settlement-in-australia-in-2026/) - Property settlement is the final legal stage of a property transaction where ownership transfers via the PEXA platform.
- [How Much Deposit Do I Actually Need to Buy My First Home Right Now?](https://propertyed.com.au/knowledge-base/saving-your-deposit/how-much-deposit-do-i-actually-need-to-buy-my-first-home-right-now/) - The minimum deposit is 5% — but the real number you need is closer to 7–8% once stamp duty and costs are included. Here's the full picture before you start saving.
- [What Loan Structure Works Better for Investors — Separate Loans Per Property or Cross-Collateralisation?](https://propertyed.com.au/knowledge-base/investment-loan-strategies/what-loan-structure-works-better-for-investors-separate-loans-per-property-or-cross-collateralisation/) - Separate loans keep each property independent — cross-collateralisation ties them together in ways that limit flexibility later. Here's how both structures work and what to consider.
- [Does Money in a Term Deposit Count as Genuine Savings When Applying for a Home Loan?](https://propertyed.com.au/knowledge-base/saving-your-deposit/does-money-in-a-term-deposit-count-as-genuine-savings-when-applying-for-a-home-loan/) - A term deposit held for 3+ months typically satisfies the genuine savings requirement — here's what qualifies, what doesn't, and the maturity timing issue to flag early.
- [Can I Use the Equity in My Home as a Deposit for an Investment Property Without Touching My Savings?](https://propertyed.com.au/knowledge-base/investment-loan-strategies/can-i-use-the-equity-in-my-home-as-a-deposit-for-an-investment-property-without-touching-my-savings/) - Home equity can be used as a deposit for an investment property — here's how usable equity is calculated, how it's accessed, and why keeping loans separate matters.
- [Can My Parents Gift Me Money for a House Deposit and Will Lenders Accept It?](https://propertyed.com.au/knowledge-base/saving-your-deposit/can-my-parents-gift-me-money-for-a-house-deposit-and-will-lenders-accept-it/) - Lenders accept gifted deposits — but they need documentation that it's genuinely a gift, not a loan. Here's what's required, how the seasoning period works, and what a gift doesn't solve.
- [What's the Difference Between Interest-Only and Principal & Interest for an Investment Property?](https://propertyed.com.au/knowledge-base/investment-loan-strategies/whats-the-difference-between-interest-only-and-principal-interest-for-an-investment-property/) - Interest-only keeps repayments lower in the short term; P&I builds equity and typically attracts a lower rate. Here's how both structures work and what lenders require to approve each.
- [With Interest Rates Rising in 2026, Should I Keep Saving for a 20% Deposit or Buy Sooner With 5%?](https://propertyed.com.au/knowledge-base/saving-your-deposit/with-interest-rates-rising-in-2026-should-i-keep-saving-for-a-20-deposit-or-buy-sooner-with-5/) - Buy now at 5% or keep saving for 20%? Rising rates in 2026 change both sides of the calculation. Here's how to think through the trade-off based on your actual numbers.
- [How Do Lenders Treat Rental Income When Assessing My Investment Loan Application?](https://propertyed.com.au/knowledge-base/investment-loan-strategies/how-do-lenders-treat-rental-income-when-assessing-my-investment-loan-application/) - Lenders don't count rental income at face value — they shade it by 20–30%. The percentage varies by lender and can mean $50,000–$100,000 difference in approved borrowing capacity.
- [How Long Does It Realistically Take to Save a House Deposit in Australia in 2026?](https://propertyed.com.au/knowledge-base/saving-your-deposit/how-long-does-it-realistically-take-to-save-a-house-deposit-in-australia-in-2026/) - Saving a 20% deposit on a Sydney property takes around 10 years for a typical household. A 5% deposit can take 18–30 months. Here's what actually changes the timeline.
- [With Interest Rates Rising in 2026, Does an Investment Loan Still Stack Up Financially?](https://propertyed.com.au/knowledge-base/investment-loan-strategies/with-interest-rates-rising-in-2026-does-an-investment-loan-still-stack-up-financially/) - Rising rates have changed the cashflow position of most investment properties in 2026. Here's what's shifted, how lenders assess investment loans now, and what factors investors typically consider.
- [What Fees Do I Need to Factor In When Moving My Home Loan to a New Lender?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/what-fees-do-i-need-to-factor-in-when-moving-my-home-loan-to-a-new-lender/) - Switching lenders costs $500–$1,500 in most cases — but that's before break costs. Here's a full breakdown of every fee involved in refinancing and the one that catches people by surprise.
- [How Long Does It Take to Switch Lenders and Settle a Refinance From Start to Finish?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/how-long-does-it-take-to-switch-lenders-and-settle-a-refinance-from-start-to-finish/) - Most refinances settle within 3–5 weeks. Here's a stage-by-stage timeline breakdown, the common causes of delays, and how to time settlement to your fixed rate expiry.
- [My Bank Hasn't Passed On Any Rate Movement — What Can I Do to Negotiate a Better Rate?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/my-bank-hasnt-passed-on-any-rate-movement-what-can-i-do-to-negotiate-a-better-rate/) - Your bank will often match a competitor rate if you ask directly — most borrowers just never ask. Here's how to make the call, what to say, and what lenders can typically offer.
- [What's the Actual Process for Switching My Home Loan to a Different Lender in 2026?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/whats-the-actual-process-for-switching-my-home-loan-to-a-different-lender-in-2026/) - Switching lenders typically takes 3–6 weeks from application to settlement. Here's the step-by-step process and what to have ready to keep it moving.
- [What Should Property Investors Understand About Tax Deductions and Tax Offsets?](https://propertyed.com.au/knowledge-base/tax-deductions/what-should-property-investors-understand-about-tax-deductions-and-tax-offsets/) - Tax deductions and tax offsets work differently and have different values depending on your circumstances. Here's what property investors should understand before making decisions.
- [What Should Property Investors Know About Using an Investment Property for Personal Purposes?](https://propertyed.com.au/knowledge-base/tax-deductions/what-should-property-investors-know-about-using-an-investment-property-for-personal-purposes/) - Using an investment property personally — even occasionally — may affect how expenses are treated for tax purposes. Here's what investors should understand and who to speak with.
- [How Does Depreciation Generally Apply to Second-Hand Investment Properties?](https://propertyed.com.au/knowledge-base/tax-deductions/how-does-depreciation-generally-apply-to-second-hand-investment-properties/) - Depreciation rules for second-hand investment properties changed after the 2017 federal budget. Here's what investors should understand and why a registered tax agent's advice matters.
- [What Is Negative Gearing?](https://propertyed.com.au/knowledge-base/tax-deductions/what-is-negative-gearing/) - Negative gearing describes a situation where an investment property costs more to hold than it earns. Here's a plain-English explanation of what it means and what investors should know.
- [What Expenses Can I Claim as Tax Deductions on My Investment Property in 2026?](https://propertyed.com.au/knowledge-base/tax-deductions/what-expenses-can-i-claim-as-tax-deductions-on-my-investment-property-in-2026/) - Investment property expenses can have tax implications — but the rules are complex and depend on individual circumstances. Here's what investors typically consider and where to get proper advice.
- [How Much of a Rate Difference Genuinely Makes Refinancing Worth the Effort?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/how-much-of-a-rate-difference-genuinely-makes-refinancing-worth-the-effort/) - A rate difference of 0.3% or more on a loan above $400,000 is generally worth running the numbers on — here's the break-even calculation at different loan balances.
- [My Fixed Rate Period Is Ending Soon — What Are My Realistic Options Before It Expires?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/my-fixed-rate-period-is-ending-soon-what-are-my-realistic-options-before-it-expires/) - When a fixed rate period ends, your loan rolls to the revert rate — which is often uncompetitive. Here are your three options and how to act before expiry rather than after.
- [With Rates on the Move in 2026, Should I Lock In a Fixed Rate or Stay Variable?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/with-rates-on-the-move-in-2026-should-i-lock-in-a-fixed-rate-or-stay-variable/) - Fixed vs variable in 2026 isn't just about rate predictions — it's about what flexibility you need from your loan, and whether certainty is worth giving up offset access and extra repayments.
- [How Do I Know Whether It's Actually Worth Refinancing My Home Loan Right Now?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/how-do-i-know-whether-its-actually-worth-refinancing-my-home-loan-right-now/) - Refinancing is worth it when the interest savings outweigh the switching costs within a timeframe that makes sense — here's the break-even calculation and when to act.
- [Multiple Investment Properties and Borrowing Capacity — How Many Can You Actually Finance?](https://propertyed.com.au/knowledge-base/building-your-portfolio/multiple-investment-properties-and-borrowing-capacity-how-many-can-you-actually-finance/) - There's no fixed limit on how many investment properties you can finance — borrowing capacity across multiple properties depends on income, debt levels, rental income shading, and lender policies.
- [Using Equity From a First Investment Property — What to Consider Before Buying Again](https://propertyed.com.au/knowledge-base/building-your-portfolio/using-equity-from-a-first-investment-property-what-to-consider-before-buying-again/) - Equity in your first investment property can fund the deposit for your second — but lender approval depends on your total serviceability position across all existing loans.
- [How Do I Work Out Whether the Long-Term Benefit of Refinancing Outweighs the Break Cost Today?](https://propertyed.com.au/knowledge-base/breaking-your-current-loan/how-do-i-work-out-whether-the-long-term-benefit-of-refinancing-outweighs-the-break-cost-today/) - The break-even calculation — total switching costs divided by monthly interest saving — tells you exactly how many months until refinancing pays off, and whether your hold period is long enough to capture it.
- [Will Breaking My Fixed Loan Affect My Credit Score or My Ability to Refinance Elsewhere?](https://propertyed.com.au/knowledge-base/breaking-your-current-loan/will-breaking-my-fixed-loan-affect-my-credit-score-or-my-ability-to-refinance-elsewhere/) - Breaking a fixed rate loan and refinancing doesn't damage your credit score if managed correctly — the risk comes from multiple credit applications in a short period, not from switching lenders.
- [Are There Ways to Reduce the Break Cost on a Fixed Rate Loan Before I Exit?](https://propertyed.com.au/knowledge-base/breaking-your-current-loan/are-there-ways-to-reduce-the-break-cost-on-a-fixed-rate-loan-before-i-exit/) - Reducing your loan balance before breaking, timing your quote carefully, and negotiating with your lender are three ways to potentially lower the break cost on a fixed rate home loan.
- [My Fixed Rate Expires in a Few Months — Is There Any Advantage in Breaking Early Rather Than Waiting?](https://propertyed.com.au/knowledge-base/breaking-your-current-loan/my-fixed-rate-expires-in-a-few-months-is-there-any-advantage-in-breaking-early-rather-than-waiting/) - Breaking a fixed rate loan early versus waiting for natural expiry depends entirely on the break cost — which in 2026's rising rate environment may be lower than you expect.
- [Is a Lower Interest Rate Always the Right Reason to Switch Lenders, or Are There Other Things to Weigh Up?](https://propertyed.com.au/knowledge-base/switching-to-better-rates/is-a-lower-interest-rate-always-the-right-reason-to-switch-lenders-or-are-there-other-things-to-weigh-up/) - A lower rate isn't always the right reason to switch lenders — offset accounts, loan structure, and total cost over 3–5 years matter just as much as the headline rate.
- [I'm Self-Employed, How Do Lenders Assess My Income When Working Out How Much I Can Borrow?](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/im-self-employed-how-do-lenders-assess-my-income-when-working-out-how-much-i-can-borrow/) - Self-employed borrowers are assessed on a 2-year average of tax returns rather than current income — here's how lenders calculate borrowing capacity for the self-employed and what improves your application.
- [Can I Refinance While I'm on Maternity Leave or Between Jobs?](https://propertyed.com.au/knowledge-base/when-why-to-refinance/can-i-refinance-while-im-on-maternity-leave-or-between-jobs/) - Refinancing on maternity leave or between jobs is possible with some lenders, but income verification requirements tighten — here's what documentation you need and which situations make it harder.
- [What Does It Actually Cost to Break a Fixed Rate Home Loan in Australia?](https://propertyed.com.au/knowledge-base/breaking-your-current-loan/what-does-it-actually-cost-to-break-a-fixed-rate-home-loan-in-australia/) - Break costs on fixed rate loans aren't standard fees — they're calculated on the rate difference since you fixed, which in a rising rate environment may be minimal or even zero.
- [What is the average settlement time for property in Australia?](https://propertyed.com.au/knowledge-base/how-long-does-it-take-to-buy-a-home/what-is-the-average-settlement-time-for-property-in-australia/) - Settlement delays are almost always finance delays. The property side — title searches, conveyancing, document preparation — tends to run to schedule. It’s the loan side that gets complicated, and usually only when the finance work wasn’t done early enough. The buyers who sailed through settlement didn’t get lucky. They had their finances sorted before
- [How long does it take to buy a house in Australia in 2026?](https://propertyed.com.au/knowledge-base/how-long-does-it-take-to-buy-a-home/how-long-does-it-take-to-buy-a-house-in-australia-in-2026/) - Here’s what surprises most first home buyers: the purchase itself is actually the fastest part. Once you’re actively searching with finance in place, the time from offer to keys is typically 10 to 14 weeks. The part that takes years is everything before that. Get the finance sorted before you start searching. Buyers who have
- [What questions should I ask a mortgage broker in Australia?](https://propertyed.com.au/knowledge-base/7-biggest-mistakes-choosing-mortgage-broker/what-questions-should-i-ask-a-mortgage-broker-in-australia/) - Most people let the broker run the meeting. They nod through the lender comparison, sign where they’re asked to sign, and follow up when they don’t hear back. A few targeted questions asked early tell you almost everything you need to know about whether you’re working with the right person. ‘Why this lender and not
- [How do I choose the right mortgage broker in Australia in 2026?](https://propertyed.com.au/knowledge-base/7-biggest-mistakes-choosing-mortgage-broker/how-do-i-choose-the-right-mortgage-broker-in-australia-in-2026/) - Every broker in Australia looks more or less the same from the outside. They’re licensed, they have access to a panel of lenders, and they don’t charge you directly. The difference only reveals itself when something gets complicated — when the application hits a snag, when one lender falls through, when your situation doesn’t fit
- [How can I use equity to buy an investment property in Australia?](https://propertyed.com.au/knowledge-base/so-you-have-100000-in-equity/how-can-i-use-equity-to-buy-an-investment-property-in-australia/) - The deposit for your next property is probably already sitting in your current one. Most homeowners with equity don’t realise how close they are to being able to act — because the calculation isn’t obvious until someone walks you through it. The basic mechanics Your lender will allow you to borrow up to 80% of
- [What should I do with my home equity in Australia in 2026?](https://propertyed.com.au/knowledge-base/so-you-have-100000-in-equity/what-should-i-do-with-my-home-equity-in-australia-in-2026/) - Most Australians who reach $100,000 in equity do the same thing: nothing. They note it with quiet satisfaction, maybe mention it at a dinner party, and then carry on with their mortgage as if the number isn’t sitting there. That’s not a criticism — ‘doing nothing’ sometimes genuinely is the right call. But it should
- [How does a partial guarantor work in Australia?](https://propertyed.com.au/knowledge-base/partial-guarantor/how-does-a-partial-guarantor-work-in-australia/) - Your parents don’t need to give you money. They don’t need to go on your mortgage. They just need to agree to let a specific portion of their existing equity do a job for two or three years — and then they get it back. That’s the essence of a partial guarantor arrangement. It’s one
- [What are the best deposit options for first-home buyers in Australia in 2026?](https://propertyed.com.au/knowledge-base/partial-guarantor/what-are-the-best-deposit-options-for-first-home-buyers-in-australia-in-2026/) - In October 2025, the maths changed for first-home buyers. A property worth $700,000 used to require $140,000 saved before you could even have a sensible conversation with a lender. Today, the same property may require $35,000. For most buyers, that’s not a marginal difference — it’s 6 to 8 years of their life. The 10-year
- [How much can I borrow for a home loan in Australia?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/how-much-can-i-borrow-for-a-home-loan-in-australia/) - Most people walk into this question thinking the answer is about their salary. It partly is. But for many borrowers, the bigger variable isn’t how much they earn — it’s what their existing debts are quietly doing to their borrowing power. An unused $10,000 credit card can cost you $50,000–$80,000 in borrowing capacity. Closing it
- [What is the average borrowing capacity in Australia in 2026?](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/what-is-the-average-borrowing-capacity-in-australia-in-2026/) - The same applicant — same income, same deposit — can be approved for $100,000 more or less, depending on which lender assesses the file. That gap is real, and most people don’t know it exists. The national average sits around $640,000 to $695,000 in 2026. But that figure is less useful than it sounds —

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- [Are mortgage brokers a rip off](https://propertyed.com.au/tag/are-mortgage-brokers-a-rip-off/)
- [myths about mortgage brokers](https://propertyed.com.au/tag/myths-about-mortgage-brokers/)
- [Mortgage broker for first home buyers](https://propertyed.com.au/tag/mortgage-broker-for-first-home-buyers/)
- [Property Education Company](https://propertyed.com.au/tag/property-education-company/)
- [The Property Education Company](https://propertyed.com.au/tag/the-property-education-company/)
- [First home owner deposit](https://propertyed.com.au/tag/first-home-owner-deposit/)
- [How to get pre-approval for a home loan](https://propertyed.com.au/tag/how-to-get-pre-approval-for-a-home-loan/)
- [what does a mortgage broker do](https://propertyed.com.au/tag/what-does-a-mortgage-broker-do/)
- [2026 budget](https://propertyed.com.au/tag/2026-budget/)
- [2026 federal budget](https://propertyed.com.au/tag/2026-federal-budget/)
- [capital gains tax](https://propertyed.com.au/tag/capital-gains-tax/)

## Knowledge Base Categories

- [Borrowing Power Calculator](https://propertyed.com.au/knowledge-base/borrowing-power-calculator/)
- [Partial Guarantor for First Home Deposit](https://propertyed.com.au/knowledge-base/partial-guarantor/)
- [So You Have $100,000 in Equity](https://propertyed.com.au/knowledge-base/so-you-have-100000-in-equity/)
- [7 Biggest Mistakes When Choosing a Mortgage Broker](https://propertyed.com.au/knowledge-base/7-biggest-mistakes-choosing-mortgage-broker/)
- [How Long Does It Take to Buy a Home](https://propertyed.com.au/knowledge-base/how-long-does-it-take-to-buy-a-home/)
- [First Home Buyer Grants & Schemes](https://propertyed.com.au/knowledge-base/first-home-buyer-grants-schemes/)
- [Saving Your Deposit](https://propertyed.com.au/knowledge-base/saving-your-deposit/)
- [Understanding Your Borrowing Power](https://propertyed.com.au/knowledge-base/understanding-your-borrowing-power/)
- [Investment Loan Strategies](https://propertyed.com.au/knowledge-base/investment-loan-strategies/)
- [Tax & Deductions](https://propertyed.com.au/knowledge-base/tax-deductions/)
- [Building Your Portfolio](https://propertyed.com.au/knowledge-base/building-your-portfolio/)
- [When & Why to Refinance](https://propertyed.com.au/knowledge-base/when-why-to-refinance/)
- [Breaking Your Current Loan](https://propertyed.com.au/knowledge-base/breaking-your-current-loan/)
- [Switching to Better Rates](https://propertyed.com.au/knowledge-base/switching-to-better-rates/)
- [Property Settlement](https://propertyed.com.au/knowledge-base/property-settlement/)
- [Buying Your First Home in Melbourne](https://propertyed.com.au/knowledge-base/buying-first-home-melbourne/)