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Decisions decisions… Fixed-rate vs variable home loan rate

15th January 2025

Decisions decisions… Fixed-rate vs variable home loan rate

Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now.

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House, apartment or townhouse? The pros and cons of each

8th January 2025

House, apartment or townhouse? The pros and cons of each

There’s much more to property in Australia than just houses or units. And if you’re in the market for a home or investment property, it helps to know your townhouses from terrace homes so that you can choose a place that’s suited to your goals and needs.

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Three financial New Year’s resolutions to tackle 2025 head-on

1st January 2025

Three financial New Year’s resolutions to tackle 2025 head-on

How are your New Year’s resolutions coming along? If you’re like most people, they’re likely related to health, fitness or abstinence. But why not consider a financial one too? Here are three resolutions worth considering for 2025.

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Merry Christmas! And thanks for your support in 2024!

20th December 2024

Merry Christmas! And thanks for your support in 2024!

With the holiday season upon us, we’d like to express our heartfelt thanks to all our amazing clients for your trust and support throughout 2024.

Recent Articles

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Decisions decisions… Fixed-rate vs variable home loan rate

15th January 2025

Decisions decisions… Fixed-rate vs variable home loan rate

Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now.

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House, apartment or townhouse? The pros and cons of each

8th January 2025

House, apartment or townhouse? The pros and cons of each

There’s much more to property in Australia than just houses or units. And if you’re in the market for a home or investment property, it helps to know your townhouses from terrace homes so that you can choose a place that’s suited to your goals and needs.

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Three financial New Year’s resolutions to tackle 2025 head-on

1st January 2025

Three financial New Year’s resolutions to tackle 2025 head-on

How are your New Year’s resolutions coming along? If you’re like most people, they’re likely related to health, fitness or abstinence. But why not consider a financial one too? Here are three resolutions worth considering for 2025.

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Merry Christmas! And thanks for your support in 2024!

20th December 2024

Merry Christmas! And thanks for your support in 2024!

With the holiday season upon us, we’d like to express our heartfelt thanks to all our amazing clients for your trust and support throughout 2024.

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Have you refinanced recently? It could be time this summer break

18th December 2024

Have you refinanced recently? It could be time this summer break

If you haven’t looked into refinancing since the start of higher interest rates, it might be time to ask yourself ‘why not?’ New research shows it could be time to try again – especially if you want to start 2025 off on the right foot.

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How did property prices go in 2024? And what’s tipped for 2025?

11th December 2024

How did property prices go in 2024? And what’s tipped for 2025?

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and discover what the experts say may lie in store for home prices in 2025.

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Thinking of buying a holiday home? Here’s what to weigh up

4th December 2024

Thinking of buying a holiday home? Here’s what to weigh up

The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. But is it a good idea? And can a weekender still stack up financially? We explain what to consider plus

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Thinking of installing a swimming pool for summer?

26th November 2024

Thinking of installing a swimming pool for summer?

There are few better ways to beat the summer heat than floating in your very own pool. With a range of price points to choose from, a pool can be affordable, but will it add value to your property? And how will you pay for your backyard oasis?

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Buying land to build on later: what you need to know

20th November 2024

Buying land to build on later: what you need to know

You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan can be a handy finance solution. However, it can work a bit differently from a regular home loan. Here’s what you need to know.

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Do you really need a building inspection?

13th November 2024

Do you really need a building inspection?

Your home is possibly the most valuable asset you will ever own. So it’s worth taking precautions to help ensure you buy a place that has a clean bill of health, free from budget-busting hidden nasties.

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Can we expect the RBA to cut back rates this summer?

6th November 2024

Can we expect the RBA to cut back rates this summer?

With just one RBA rate decision left for 2024, homeowners may be holding onto hopes of a summer cut. We look at when rates may start falling – and how you could possibly give yourself a rate cut before Christmas.

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How much does LMI really add to a home’s cost?

30th October 2024

How much does LMI really add to a home’s cost?

Saving for a 20% house deposit is like house training a wilful Labrador. It requires plenty of patience and persistence. Not your thing? You could take out lenders mortgage insurance (LMI). But how much extra does that cost? And can you avoid paying for i

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How to nail a home loan if you’re self-employed

23rd October 2024

How to nail a home loan if you’re self-employed

It’s the great Australian dream for many: giving the 9-to-5 grind the flick and running your own show. But when it comes to taking out a home loan, being your own boss can dish up some unexpected hammer blows.

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What’s going on with negative gearing?

16th October 2024

What’s going on with negative gearing?

Negative gearing is in the headlines again. But what is it all about, and could it affect you? We explain how negative gearing works, why it’s so popular among investors, and why it’s attracting fresh attention.

Image for How long it takes to save a deposit (and how to fast-track it)

9th October 2024

How long it takes to save a deposit (and how to fast-track it)

Planning to buy your first home? It takes (on average) about five to six years to save a deposit at present. But who’s got the patience to save for six years? Today we’ll look at four ways you could fast-track home ownership.

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Could rate cuts mean house prices heat up again?

2nd October 2024

Could rate cuts mean house prices heat up again?

Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy sooner rather than later if you’re home loan-ready.

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Why 9 out of 10 first-home buyers use a mortgage broker

25th September 2024

Why 9 out of 10 first-home buyers use a mortgage broker

Remember the first time you stepped into a gym? It’s unlikely you swaggered your way over to the free weights rack and started busting out squats. Well, it turns out buying your first home can be just as daunting, with 91% of first-home buyers turning to

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TikTok vs talking to your broker? It’s no contest

18th September 2024

TikTok vs talking to your broker? It’s no contest

TikTok and Instagram reels are fun, fast and free – but it’s important to be picky about whose content you’re viewing, especially if you’re in the market for a home loan.

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Fixed rates tumble: a sign of things to come?

11th September 2024

Fixed rates tumble: a sign of things to come?

When will interest rates fall? It’s the question everyone is asking right now, and while speculation swirls about future rate cuts, the latest moves in fixed rates suggest we may not have to wait too much longer for variable interest rates to head south.

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The home loan feature 70% of new borrowers are hooked on

4th September 2024

The home loan feature 70% of new borrowers are hooked on

When it comes to home loan features we’re spoiled for choice. Even basic loans can come with a fisherman’s basket full of options. But one feature in particular is being targeted by seven out of 10 home buyers.

Image for How much has your home’s value risen by?

28th August 2024

How much has your home’s value risen by?

We’ve all heard the rule of thumb about property being a long-term investment. Well, get this: many home owners have seen the value of their property quintuple within the timeframe of a typical 30-year mortgage.

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Property market set to blossom this spring

21st August 2024

Property market set to blossom this spring

The sun is out – and so are the buyers! Spring is traditionally a peak period for property, and there’s a good reason why spring 2024 is shaping up to be a bumper season. Here’s how to prepare if you’re planning to buy in the weeks ahead.

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How to buy an investment property using your home’s equity

14th August 2024

How to buy an investment property using your home’s equity

Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market as equity for an investment property. Let’s take a look.

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Does your job come with home loan perks?

7th August 2024

Does your job come with home loan perks?

Your job can provide more than an income. When it comes to being approved for a home loan, certain roles can enjoy favourable treatment from lenders. So today we’ll look at some of the occupations that can offer up home loan perks.

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Why multi-bedroom homes could be appealing for investors

31st July 2024

Why multi-bedroom homes could be appealing for investors

A cost of living crunch is driving a new trend among renters – and it’s changing the wish lists of some property investors. We reveal what’s happening across the rental and investment markets.

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Low deposit scheme opens up to New Zealander visa holders

24th July 2024

Low deposit scheme opens up to New Zealander visa holders

Kiwis hoping to buy a first home in Australia have just scored gold! The popular Aussie low-deposit home buying scheme has been opened up to visa holders from across the Tasman. Here’s what you need to know.

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Is fear of rejection holding you back from your life goals?

17th July 2024

Is fear of rejection holding you back from your life goals?

Scared to apply for a home loan? You’re not alone. Fear of rejection has stopped one in five Aussies from applying for finance over the past year. We explain what’s driving this fear, and how you can boost your chances of getting approved.

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How much could you expect to borrow for a home in 2024?

10th July 2024

How much could you expect to borrow for a home in 2024?

As property prices hit record highs across a number of cities, it’s no surprise that new home loan balances are also nudging towards fresh peaks. Today we’ll reveal what the ‘average’ new home loan is in your state, and provide you with some handy tips to

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50,000 low-deposit spots open for first home buyers and single parents

3rd July 2024

50,000 low-deposit spots open for first home buyers and single parents

The new financial year has kicked off with a bang for first home buyers! A whopping 45,000 more places have opened up for them under the Home Guarantee Scheme, as well as 5,000 more spots for single parents. Here’s how it could help you buy a home sooner.

Image for Will home prices keep rising over the next year?

26th June 2024

Will home prices keep rising over the next year?

Property prices are expected to keep climbing higher through to mid-2025 – though not everywhere, according to a new report. We reveal where prices are tipped to go up, and where prices are expected to fall.

Image for Rate cuts? Pencil them in for 2025

19th June 2024

Rate cuts? Pencil them in for 2025

Put the party pies on ice and postpone those rate-cut celebrations for a while yet. The much-touted rate cuts we’ve been waiting for may not arrive until 2025. Here’s why rates could be staying higher for longer, and how to take action yourself.

Image for Is a tree or sea change on your horizon?

12th June 2024

Is a tree or sea change on your horizon?

Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan.

Image for Why three-in-four Aussies turn to a broker for home loan help

5th June 2024

Why three-in-four Aussies turn to a broker for home loan help

You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help

Image for First home buyers turn to Bank of Nan and Pop

29th May 2024

First home buyers turn to Bank of Nan and Pop

Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home.

Image for What you should know before buying ‘subject to finance’

22nd May 2024

What you should know before buying ‘subject to finance’

Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works.

Image for Not feeling the budget love? 4 ways you could still get ahead

15th May 2024

Not feeling the budget love? 4 ways you could still get ahead

If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now.

Image for Low deposit scheme helps over 150,000 families buy sooner

8th May 2024

Low deposit scheme helps over 150,000 families buy sooner

Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep year

Image for Here’s why your borrowing power might soon get a lift

1st May 2024

Here’s why your borrowing power might soon get a lift

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.

Image for How to know if you’re paying a fair price

24th April 2024

How to know if you’re paying a fair price

We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process.

Image for Can you remember your home loan interest rate?

17th April 2024

Can you remember your home loan interest rate?

Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list.

Image for Plot twist: Millennials are Australia’s most active property investors

10th April 2024

Plot twist: Millennials are Australia’s most active property investors

When it comes to buying investment properties, younger Australians are punching above their weight, with Millennials taking the title as the nation’s most active generation for property investment.

Image for Homeowners now an extra $71,000 richer (on average!)

3rd April 2024

Homeowners now an extra $71,000 richer (on average!)

You may not feel richer, but if you’re a homeowner, there’s a decent chance your personal wealth has surged over the past 12 months thanks to soaring property values. And it could open up a world of exciting possibilities.

Image for FOMO, FOBO and FOOP – how they can hold you back

27th March 2024

FOMO, FOBO and FOOP – how they can hold you back

Nobody likes missing out on a good thing. But then again, who likes overpaying? So how do you strike the right balance when both fears can work against one another?

Image for Explainer: how construction loans work

20th March 2024

Explainer: how construction loans work

There’s something very special about moving into a newly built home or putting the finishing touches on a major renovation. Maybe it’s the look and feel of new paint and fresh flooring, or just knowing you’ve kicked a worthwhile goal.

Image for Why offset accounts are hitting new highs

13th March 2024

Why offset accounts are hitting new highs

Spare cash can be tight right now (cost of living crunch, anyone?). But if you’ve still got some savings plus a home loan, there’s a way you could make your surplus funds work harder.

Image for How long does it really take to get a home loan?

6th March 2024

How long does it really take to get a home loan?

Need a home loan in a hurry? You could be in luck. Plenty of lenders are keen to crunch loan approval times at present – but there’s a lot borrowers can do to potentially speed up the process, too.

Image for Where are the bargain homes located in your suburb?

28th February 2024

Where are the bargain homes located in your suburb?

Location may be a big driver of property prices, but in any given suburb a few streets can be all that separates paying top dollar for a home or potentially scoring a bargain. Here’s how to use a tool to find pockets of value in any given neighbourhood.

Image for Home buyers rejoice! More listings are hitting the market

21st February 2024

Home buyers rejoice! More listings are hitting the market

Great news for home buyers! After an extended run of low listings, the number of homes coming onto the market is skyrocketing. So could this have an impact on the property market? Let’s take a look.

Image for They’re back! Why property investors account for one-in-three new home loans

14th February 2024

They’re back! Why property investors account for one-in-three new home loans

Lending to property investors is soaring once again. We lift the lid on what’s driving investor interest – and what it could mean for the property market throughout 2024.

Image for When will the next RBA cash rate call be made?

7th February 2024

When will the next RBA cash rate call be made?

Happy days! The Reserve Bank kept rates steady in February. But a shake-up in the number of times our central bank meets each year is raising questions about how long the rate pause will last. Here’s what we could expect.

Image for 4 tips for self-employed home loan applications

31st January 2024

4 tips for self-employed home loan applications

Applying for a mortgage when you’re self-employed may have you jumping through more hoops. But it needn’t deter you from getting into the property market. Here are 4 tips to help you apply for a mortgage like a boss.

Image for First home buyers charge back into the market

24th January 2024

First home buyers charge back into the market

Hats off to Australia’s first home buyers! The latest lending data shows they’re refusing to let last year’s rate hikes and rising property values dampen their goal of buying a home. Here are five tips to help you buy your first home in 2024.

Image for How your deposit size can shape the rate you pay

17th January 2024

How your deposit size can shape the rate you pay

It’s commonly known that the bigger your deposit, the smaller your home loan, and thus, the lower your monthly repayments. But today we’ll look into another way your deposit size could reduce your repayments: by potentially reducing your interest rate.

Image for The pros of having a mortgage broker on your side

10th January 2024

The pros of having a mortgage broker on your side

What exactly can a mortgage broker do for you? Well, we don’t mean to toot our own horn, but we can make your home loan journey a whole lot easier, letting you focus on the fun part: planning for your new home!

Image for 5 New Year’s resolutions for your home loan

3rd January 2024

5 New Year’s resolutions for your home loan

Thought of a New Year’s resolution yet? Or perhaps you’ve broken one already? Either way, check out our list of possible mortgage goals for 2024 – try one, or have a go at them all – to save a bundle in the year ahead.

Image for Merry Christmas! Season’s greetings from all of us to you

20th December 2023

Merry Christmas! Season’s greetings from all of us to you

The year has flown past, and as our thoughts turn to trees, tinsel and turkey, we’d like to thank all our fantastic clients for your support throughout 2023.

Image for Ho ho ho! The smart move that has 1 in 10 borrowers feeling jolly

13th December 2023

Ho ho ho! The smart move that has 1 in 10 borrowers feeling jolly

Home owners have been battling rising interest rates for over a year and a half now. But a new report reveals the important step some savvy borrowers are taking to rein in higher rates and swap “oh no!” for “ho, ho, ho!”.

Image for What’s tipped for house prices in 2024?

6th December 2023

What’s tipped for house prices in 2024?

If buying a home is at the top of your wish list for 2024, don’t miss our rundown on how the property market has fared in 2023 – and why the new year is shaping up as potentially another big year for real estate.

Image for More lenders sign up to low deposit first home buyer scheme

29th November 2023

More lenders sign up to low deposit first home buyer scheme

First home buyers with a small deposit now have an even wider range of lenders to choose from. We reveal the latest banks to join the 5% deposit scheme that’s helping more buyers get into the market sooner.

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Dubbo Mortgage Brokers ABN: 24 828 996 302. Credit Representative #453008 is authorised under Australian Credit License #481374.

Disclaimer 2024: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.