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Positive and Negative Gearing

Positive and Negative Gearing

By Mortgage Broker Melbourne | October 3, 2020

‘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 lenders mortgage insurance

What is Lenders Mortgage Insurance (LMI)?

By Mortgage Broker Melbourne | September 17, 2020

Think of Lender’s Mortgage Insurance as your standard motor vehicle insurance. You pay a premium to cover the expenses of any repairs caused in an accident. Lenders Mortgage Insurance covers your lender in the instance that you are unable to meet your ongoing repayments. Yes, you read right, LMI covers the lender. There is a…


What is Lending to Value Ratio (LVR)?

By Mortgage Broker Melbourne | July 23, 2020

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…

First Home Owners Grant Explained

First Home Owners Grant Explained

By Mortgage Broker Melbourne | July 23, 2020

As a first home buyer, one of the most important parts of your journey is working out how much you need to save and what you can afford. Thankfully, there are plenty of government incentives to give you a helping hand along the way, as well as mortgage brokers who can assist you with the…

Mortgage Broker Melbourne

3 Ways to Help You Save Your First Home Deposit

By Mortgage Broker Melbourne | July 9, 2020

Owning a home is the quintessential Australian dream. Perhaps you are ready to move out of your parent’s house, or part ways with the rental lifestyle for good. Or perhaps you are a young family looking for a place to settle down and raise your children in. For many, the first and biggest hurdle of…

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