Home Loan Terminology
‘Gearing’ is a term commonly thrown around when purchasing investment properties. We are going to discuss what makes an investment property positive or negatively geared and what you should consider when considering the most beneficial strategy for you. Positive gearing Positive gearing is when the amount of rental income received is higher than the property-related…
What is an offset account? An offset account is a transaction account linked to your home loan. By offsetting the mortgage balance, you only have to pay interest on the difference between the loan balance and the amount available in your offset account. Most lenders offer the option of offset linked with a variable rate…
If there’s one equation you need to understand about home loans, it’s the Lending to-Value-Ratio (LVR). As the name implies, this is the ratio of the loan you want to take out versus the value of the property. Why is the LVR so important? Your LVR paints a picture to the lender of the risk…
Learning hub Updates
Stay up to date with everything you need to know about home loans
Site Search
Things can change quickly in the market.
Subscribe and stay informed with news, rates and industry insights.