Doug Daniell Archives

Avoid a Property Disaster – Secure Pre-Approval for Your Peace of Mind

July 24, 2023

Introduction

Are you planning to invest in property or looking to buy your dream home in the near future? If so, getting your finance pre-approved should be at the top of your priority list. Pre-approval offers you the confidence and security of knowing exactly how much you can borrow from the bank. In the current market, where opportunities can arise swiftly, having pre-approval is more crucial than ever. In this article, we’ll explore the importance of pre-approval and how it can save you from potential property-related disasters.

The Power of Pre-Approval

Imagine this scenario: a fantastic investment opportunity or your dream home comes onto the market, but you are not sure how much the bank will lend you. That uncertainty can quickly turn into missed chances and disappointment. However, by arranging pre-approval with a bank, you can avoid such situations and enjoy several advantages:

Confidence in Budgeting: Pre-approval provides you with a clear idea of how much the bank is willing to lend you. This allows you to set a realistic budget and prevents you from overcommitting or missing out on a great opportunity due to hesitation.
Longer Window of Opportunity: Typically lasting for 90 days, pre-approval gives you ample time to search for the right property without worrying about changes in interest rates or borrowing conditions.
Competitive Edge: In a competitive market, sellers are more likely to consider offers from buyers who have pre-approval. It shows that you are a serious buyer with your finances in order, which can give you an edge over others who are not pre-approved.

Examples of Pre-Approval Success

Let’s take a look at some real-life scenarios where pre-approval has been a game-changer:

The Limit Buyer: A single professional with an exemplary credit history is eyeing a property at the upper limit of his borrowing capacity. With pre-approval, he gains the confidence to bid at auctions, knowing precisely how much he can spend.
The Charitable Couple: A young couple working in the For Purpose sector faces unique challenges with their salary packages. Different banks assess tax-free components differently for employees in their industry. Pre-approval ensures they find a bank that will lend them the right amount.
The Forever Home Seekers: A mature-aged couple looking for their forever home need to find a bank that appreciates their financial position and is comfortable lending to older applicants. Pre-approval helps them identify the right bank before making an offer.

Not All Banks Are Equal

It’s essential to note that not all banks have the same lending criteria. Some may not lend to individuals on job probation, for properties like lifestyle farms or small units, or to casual employees. Failing to secure pre-approval and choosing the wrong bank could leave you in a tough spot. But fear not, we’re here to help!

Conclusion

Getting your finance pre-approved is a proactive step toward securing your financial future and avoiding property-related disasters. With pre-approval, you gain the confidence and clarity needed to navigate the real estate market successfully. So, whether you’re an investor looking for profitable opportunities or a homebuyer seeking your forever abode, don’t hesitate to arrange pre-approval. For a chat about your finance and pre-approval options, feel free to contact Graeme at 02 9922 5055. Take control of your property journey and secure your peace of mind today!

Spring: The Season of Property Sales in Australia – Secure Your Financing for a Stronger Negotiation

July 17, 2023

Spring is undeniably the most dynamic time for property sales in Australia. As the days become longer, the weather warms up, and nature comes alive, so does the real estate market. If you are a home buyer looking to take advantage of the bustling spring property market, now is the time to get prepared. One essential step in ensuring a smooth and successful home-buying experience is to organize your finance through a mortgage broker. In this article, we’ll delve into why spring is the peak season for property sales, and how using a mortgage broker can give you the upper hand in securing your dream home.

The Spring Property Market in Australia

Spring’s allure as the prime season for property sales in Australia is influenced by various factors:

Optimal Weather: The milder weather and blooming gardens make properties look more appealing, increasing the number of buyers interested in attending open house inspections.
End of Year Move: Families often wait until the last part of the year to move, reducing disruptions for children and allowing them to settle into their new home before the new academic year.
Increased Inventory: Many sellers choose to list their properties during spring, leading to a surge in available homes on the market, providing buyers with a wide range of options.
Motivated Sellers: Sellers who list their properties in spring are often motivated to secure a sale before the year-end, which can work in favour of buyers.

Why Organize Finance through a Mortgage Broker

Expert Guidance: A mortgage broker is a licensed professional who specializes in home loans. They have access to a vast network of lenders and can provide you with expert advice on the most suitable loan options tailored to your financial situation and needs.
Save Time and Effort: A mortgage broker streamlines the application process, saving you from the hassle of individually approaching multiple lenders. They handle the paperwork and negotiation, making the entire process more efficient.
Access to Multiple Lenders: Unlike dealing directly with a single bank, mortgage brokers can present you with a range of options from various lenders, increasing your chances of finding a competitive loan with favourable terms.
Customized Solutions: Mortgage brokers work closely with you to understand your financial goals and limitations, offering personalized solutions that align with your requirements.
Pre-Approval Advantage: By organizing your finance through a mortgage broker and obtaining pre-approval for a loan, you enter the property market with a stronger position. Pre-approval demonstrates to sellers that you are a serious buyer and gives you a competitive edge in negotiations.

Some additional tips for home buyers in spring:

Be realistic about your budget. The spring market can be competitive, so it’s important to be realistic about what you can afford.
Be prepared to compromise. You may not be able to find the perfect property, so be prepared to compromise on some things.
Don’t be afraid to negotiate. The seller is usually willing to negotiate on the price, so don’t be afraid to ask for a lower price.
Be patient. It may take some time to find the right property, so be patient and don’t give up.

Conclusion

Spring is the peak season for property sales in Australia, and it offers home buyers an excellent opportunity to find their dream home. To maximize your chances of success in the competitive spring market, it’s crucial to be financially prepared. Working with a mortgage broker provides you with expert guidance, access to multiple lenders, and a stronger position through pre-approval. So, don’t wait any longer. Take action now to organize your finance and embark on your journey to finding the perfect property this spring!

Call your Origin Broker on 1300 30 6767 or fill in the enquiry form on this page.

Exciting News for First Home Buyers in New South Wales: Stamp Duty Subsidy Increased to $1,000,000

June 4, 2023

New South Wales (NSW) has introduced a game-changing initiative for first home buyers. The government has recently announced a significant increase in the stamp duty subsidy, offering eligible individuals a substantial benefit of up to $1,000,000. This move aims to alleviate the financial burden and make homeownership dreams more attainable for first-time buyers in the state.

Breaking Down the Changes: Previously, the NSW government had implemented a stamp duty exemption for first home buyers on new and existing properties valued up to $650,000, with concessions available for properties valued between $650,000 and $800,000. However, in response to the ever-increasing property prices and the desire to support first home buyers further, the government has decided to expand the subsidy threshold significantly.

The updated stamp duty changes now provide an exemption for first home buyers on properties valued up to $1,000,000, allowing them to save thousands of dollars during the property purchasing process.

This substantial increase in the stamp duty subsidy is expected to have a positive impact on first home buyers in NSW. With the higher threshold, many aspiring homeowners will be able to enter the property market sooner, potentially allowing them to secure a property that better suits their needs.

Exciting News for First Home Buyers in New South Wales: Stamp Duty Subsidy Increased to $1,000,000

By reducing the upfront costs associated with purchasing a home, the government aims to encourage more individuals to take that important step towards homeownership. This move not only supports first home buyers but also stimulates the housing market and fosters economic growth in the state.

Government’s Commitment: The NSW government has shown its commitment to helping first home buyers by continually reviewing and updating policies that align with the evolving needs of the community. By increasing the stamp duty subsidy, they are addressing the challenges faced by many in entering the property market and realizing their dreams of owning a home.

It is worth noting that the stamp duty subsidy is just one aspect of the government’s broader initiatives to support first home buyers. Various other incentives and programs, such as the First Home Owner Grant and the First Home Loan Deposit Scheme, are also available to provide further assistance.

Conclusion: The recent increase in the NSW stamp duty subsidy to $1,000,000 is excellent news for first home buyers in the state. This substantial enhancement aims to alleviate the financial strain on prospective homeowners and make it easier for them to enter the property market. By reducing upfront costs, the government hopes to pave the way for more individuals to achieve their dreams of homeownership, stimulate the housing market, and contribute to the overall economic growth of New South Wales.

Call your first home specialist at Origin on 1300 30 6767 or enquire through the form on this page

Last Chance to Save up to $67,000 on Your First Home with the NSW First Home Buyer Choice Scheme

May 17, 2023

Attention, aspiring first-time homebuyers in (NSW)! If you’ve been dreaming of owning your own home, now is the time to act. The NSW government’s First Home Buyer Choice Scheme is coming to an end on June 30, offering a final opportunity to save up to a staggering $67,000 on your first home purchase. Your Origin Finance Mortgage Broker can help you through all the terms, conditions, and benefits of this scheme, allowing you to seize this last chance to achieve homeownership while enjoying significant savings.

To qualify for the NSW First Home Buyer Choice Scheme, interested individuals must meet the following criteria:

Citizenship or Permanent Residency: Applicants must be Australian citizens or permanent residents.
Age Requirement: Individuals must be at least 18 years old.
First Home Buyer Status: The scheme is exclusively available to first home buyers who have never owned residential property in Australia, either individually or jointly.
Property Value Limit: The scheme applies to new or existing homes with a purchase price under the designated threshold, which is currently set at $800,000 for existing properties and $1,000,000 for newly built or off-the-plan properties.
Occupancy Requirement: Successful applicants must commit to living in the purchased property as their principal place of residence for a continuous period of at least six months within 12 months of settlement.

Benefits: The NSW First Home Buyer Choice Scheme offers a range of benefits to eligible participants, enabling significant savings and financial relief:

Stamp Duty Savings: One of the most significant advantages of this scheme is the potential exemption or concession on stamp duty costs. Depending on the purchase price of your first home, you may be entitled to a full or partial waiver of stamp duty fees, resulting in substantial savings.
First Home Owner Grant (FHOG): Eligible participants can also access the First Home Owner Grant, a one-time payment provided by the government to support first home buyers. The grant amount varies based on the property’s location and value, providing additional financial assistance towards your home purchase.
Access to the First Home Loan Deposit Scheme (FHLDS): Participants of the NSW First Home Buyer Choice Scheme gain priority access to the Australian Government’s FHLDS. This scheme enables eligible buyers to secure a home loan with a deposit as low as 5% without the need for costly lender’s mortgage insurance (LMI), further reducing upfront costs.

Application Process: To take advantage of the NSW First Home Buyer Choice Scheme, follow these steps before the June 30 deadline:

Check Eligibility: Ensure you meet all the eligibility criteria specified by the scheme.
Financial Preparation: Arrange pre-approval or secure financing for your first home purchase.
Property Search: Begin searching for a suitable property that falls within the scheme’s requirements and price threshold.
Lodge Your Application: Submit your application through the NSW government’s designated portal or seek assistance from a registered mortgage broker to navigate the process effectively.
Seek Professional Advice: Consider engaging a licensed conveyancer, financial advisor, or mortgage broker to guide you through the application process and maximize your benefits.
Settle and Move In: Once your application is approved, proceed with the purchase, settle the property, and enjoy the pride of homeownership.

The clock is ticking for first home buyers in NSW. With the NSW First Home Buyer Choice Scheme concluding on June 30, this represents the last opportunity to save up to $67,000 on your first home purchase. By meeting the eligibility criteria and following the application process, aspiring homeowners can benefit from substantial stamp duty savings, access to the FHOG, and priority access to the FHLDS. Act now, seize this final chance, and make your dream of owning a home a reality while enjoying remarkable financial benefits.

Don’t let this opportunity slip away! Call Origin Finance on 1300 306767 or fill in the enquiry form

Reduce your interest rate and get up to $4000

March 24, 2023

Refinancing your mortgage can be a great way to save money on interest payments and potentially reduce your monthly repayments. In Australia, there are many lenders who offer competitive rates and incentives to refinance your mortgage. How can you can refinance your mortgage in Australia and get a massive interest reduction and up to $4000 refinancing payment? Read on.

Shop around for the best deal

The first step to refinancing your mortgage in Australia is to shop around for the best deal. There are many lenders in Australia who offer different rates and incentives, so it’s important to compare them to find the one that suits your needs. You can use online comparison tools to compare different mortgage offers and choose the one that offers the best value or call you Origin broker to do it for you!

Calculate your savings

Once you have found the lender with the best offer, it’s important to calculate your potential savings. You can use online mortgage calculators to compare your current mortgage with the new offer and see how much you could save in interest payments. It’s also important to consider any fees associated with refinancing your mortgage, such as exit fees from your current lender and application fees from the new lender.

Apply for the refinancing

Once you have decided to refinance your mortgage, you can apply for the new loan with the new lender. The application process usually involves providing information about your income, employment status, and credit history. The new lender will also conduct a valuation of your property to determine its value and the amount of equity you have in it.

Pay off your existing mortgage

Once your new loan is approved, you will need to pay off your existing mortgage with the funds from the new loan. This process is usually handled by the new lender and involves paying off your old loan and transferring the title of your property to the new lender.

Enjoy the benefits of refinancing

Once your new loan is in place, you can start enjoying the benefits of refinancing. These benefits can include a lower interest rate, lower monthly repayments, and potentially significant savings over the life of your mortgage. Some lenders also offer cash incentives for refinancing, which can be a great way to offset any costs associated with the process.

Refinancing your mortgage in Australia can be a great way to save money on interest payments and potentially reduce your monthly repayments. By shopping around for the best deal, calculating your savings, applying for the refinancing, paying off your existing mortgage, and enjoying the benefits of refinancing, you can take advantage of the competitive mortgage market in Australia and potentially save thousands of dollars.

Call Origin Now on 1300 30 67 67 or fill in the form on this page to see what your options can be.

Doug Daniell – CEO – Origin Finance

Is it Time for You to Refinance Your Mortgage

March 19, 2023

If you’re a homeowner in Australia, you may have heard that lenders are offering lower interest rates to new borrowers. This may leave you wondering if now is a good time to refinance your mortgage. However, it’s important to consider more than just the current interest rate when deciding whether to refinance your mortgage.

What are the advantages and disadvantages of refinancing your mortgage in Australia, and how do you decide if it’s the right move for you, even in a rising interest rate environment.

Advantages of Refinancing Your Mortgage

Lower interest rates: Refinancing your mortgage can lower your interest rate, which can save you money on your monthly mortgage payments. Even if interest rates have been rising, if you can secure a lower interest rate through refinancing, you may still be able to save money.

Access equity: If you’ve been making payments on your mortgage for a while, you may have built up some equity in your home. Refinancing your mortgage can allow you to access this equity, which you can use to fund home improvements or pay off other debts.

Consolidate debt: If you have high-interest debt, such as credit card debt, refinancing your mortgage can be a good way to consolidate this debt into one manageable payment. This can help you pay off your debt faster and save you money on interest payments.

Disadvantages of Refinancing Your Mortgage

Fees and charges: Refinancing your mortgage can come with fees and charges, such as application fees, valuation fees, and discharge fees. These fees can add up and may outweigh the benefits of refinancing.

Longer mortgage term: Refinancing your mortgage can result in a longer mortgage term, which means you’ll be paying off your mortgage for a longer period of time. This can increase the total amount of interest you pay over the life of your mortgage.

Risk of variable interest rates: If you choose a variable interest rate when refinancing your mortgage, your interest rate could go up in the future. This can increase your monthly mortgage payments and make it harder to budget.

Is Refinancing Right for You?

Whether or not refinancing your mortgage is right for you depends on your individual circumstances. If you’re considering refinancing, it’s important to consider the costs and benefits carefully. You may want to consult with a financial advisor or mortgage broker to help you make an informed decision.

If you’re looking to lower your monthly mortgage payments or access equity in your home, refinancing may be a good option for you. However, if you’re planning to sell your home in the near future or you’re already a few years into your mortgage, refinancing may not be worth the cost.

While lenders offering lower interest rates to new borrowers can be tempting, it’s important to carefully weigh the costs and benefits of refinancing your mortgage. Even if interest rates have been rising, refinancing may still be a good option if it can help you save money or achieve your financial goals. Be sure to consult with a financial professional to determine the best course of action for your specific circumstances.

Call Origin Now on 1300 30 67 67 or fill in the form on this page to see what your options can be.

Doug Daniell – CEO – Origin Finance

What to do when your low fixed rate home loan is maturing

March 14, 2023

As a home loan borrower, you may have taken advantage of cheap fixed home loan rates in Australia. However, when your fixed term ends, your loan will automatically switch to a variable rate. This change can impact your monthly payment, and it’s important to understand what to expect.

Fixed home loans in Australia are usually offered for a period of 1-5 years. During this time, your interest rate is fixed, meaning your monthly payment remains the same. This can be beneficial if you want to budget your expenses and protect yourself against interest rate hikes.

However, once your fixed term ends, your loan will automatically switch to a variable rate. This means your interest rate and monthly payment can change depending on market conditions.

The change in monthly payment can be significant, especially if you initially took out a fixed-rate loan with a low-interest rate. For example, if you have a $500,000 home loan with a fixed rate of 2% for 2 years, your monthly payment would be $2,148. Once the fixed term ends, your loan might switch to a variable rate of 6%, increasing your monthly payment to $2,998. This is an increase of $850 per month, or $10,200 per year.

To prepare for the change in monthly payment, it’s important to understand your options. Here are some steps you can take:

Review your loan terms: Before your fixed term ends, review your loan terms to understand when the change will occur and what your new interest rate and monthly payment will be.
Budget for the change: Once you know the new interest rate and monthly payment, adjust your budget to accommodate the increase. You may need to cut back on other expenses or find ways to increase your income to cover the additional cost.
Consider refinancing: If the increase in monthly payment is significant, you may want to consider refinancing your home loan. Refinancing can help you secure a better interest rate and lower your monthly payment.
Talk to your mortgage broker: If you’re struggling to make the new payment or are concerned about the impact of interest rate rises on your loan, talk to your mortgage broker. They can help you understand your options and work with you to find a solution that meets your needs.

A mortgage broker can also help you shop around for a better deal on your home loan. They have access to a wide range of lenders and can help you find a loan that suits your needs and budget. By working with a mortgage broker, you can be confident that you’re getting the best deal possible on your home loan.

In conclusion, the change in monthly payment when your fixed home loan matures in Australia can be significant, especially if your interest rate increases from 2% to 6%. It’s important to understand your options and plan accordingly to avoid financial stress. By reviewing your loan terms, budgeting for the change, considering refinancing, and talking to your mortgage broker, you can make the transition to a variable rate as smooth as possible.

Doug Daniell

CEO Origin Finance

Mortgage Rate Increase – Need a Break ? Contact your Broker Now!

March 7, 2023

Rates Concerning you? Call your broker to get a Rate Reduction

If you’re a homeowner with a mortgage, you know how important it is to stay on top of your payments and make sure you’re getting the best deal possible. Interest rates can play a significant role in the cost of your mortgage, and a high interest rate can end up costing you thousands of dollars over the life of your loan.

Fortunately, there’s a way to reduce the interest rate on your home loan and potentially save yourself thousands of dollars in the process. By calling your mortgage broker, you can take advantage of their expertise and access to a wide range of lenders to find a better rate that suits your needs.

Why Call Your Mortgage Broker?

Mortgage brokers are licensed professionals who specialize in helping people find the best mortgage rates and loan terms for their specific needs. They work with a variety of lenders and financial institutions to find the best deals for their clients and can help you save money on your mortgage in a number of ways.

Here are a few reasons why you should call your mortgage broker to help reduce the interest rate on your home loan:

They can negotiate on your behalf: Mortgage brokers have established relationships with lenders and can negotiate on your behalf to secure a lower interest rate. They know the ins and outs of the industry and can help you navigate the complex mortgage market to find the best deal for your unique situation.
They have access to a wider range of lenders: Mortgage brokers work with a wide range of lenders, including banks, credit unions, and other financial institutions. This means they have access to a larger pool of mortgage products and can find you a better rate than you might be able to find on your own.
They can help you refinance: If you’re already locked into a high-interest mortgage, your mortgage broker can help you refinance to a lower rate. This can save you a significant amount of money over the life of your loan and help you pay off your mortgage faster.

How to Get Started

If you’re ready to reduce the interest rate on your home loan, the first step is to call your mortgage broker. They can help you understand your options and guide you through the process of finding a better rate.

Here are a few tips to keep in mind as you get started:

Gather your documentation: Your mortgage broker will need to see your current mortgage statement, credit report, and income documentation to help you find a better rate. Make sure you have all of this information on hand before you call.
Be clear about your goals: Let your mortgage broker know what your goals are for reducing your interest rate. Are you looking to save money on your monthly payments, or do you want to pay off your mortgage faster? Be clear about what you’re looking to achieve so your mortgage broker can help you find the best deal.
Ask questions: Don’t be afraid to ask questions or clarify anything you don’t understand. Your mortgage broker is there to help you, so make sure you’re comfortable with the process and understand your options.

Conclusion

Reducing the interest rate on your home loan can be a great way to save money and pay off your mortgage faster. By calling your mortgage broker, you can take advantage of their expertise and access to a wide range of lenders to find the best deal for your unique situation.

If you’re ready to start saving money on your mortgage, call your mortgage broker today and see how they can help you reduce your interest rate.

Call Origin Now on 1300 30 67 67 or fill in the form on this page to save your money and sanity!

Doug Daniell – CEO – Origin Finance

New Home Loan Borrowers Getting Cheaper Loans than Existing Bank Customers

March 6, 2023

If you’re considering taking out a home loan, you may be wondering why new borrowers seem to be getting much cheaper loans than existing bank customers. It’s a trend that has become more pronounced in recent years, and it can be frustrating for those who have been loyal to their bank for many years. If you’re an existing borrower, call your broker now!

There are a few reasons why this is happening, and it’s important to understand them if you want to make informed decisions about your home loan.

Firstly, competition in the home loan market has increased dramatically in recent years. There are now many more lenders offering home loans than there were a decade ago, and this has driven down interest rates and fees. New borrowers are often able to take advantage of these lower rates, while existing customers may be locked into higher rates that were set when there was less competition.

Secondly, banks are increasingly using incentives to attract new customers. These incentives can include lower interest rates, fee waivers, cashback offers, and other benefits. While these incentives can be attractive to new borrowers, they may not be available to existing customers.

Thirdly, banks are more likely to offer their best rates to customers who have a strong credit history and income. New borrowers who meet these criteria may be able to secure much lower rates than existing customers who have had a change in their financial circumstances since taking out their loan.

So, what can existing bank customers do to ensure they are not paying more than they need to for their home loan? The first step is to shop around and compare rates from different lenders. Even if you are happy with your current bank, it’s worth seeing if there are better deals available.

Another option is to negotiate with your bank. If you have a good credit history and income, you may be able to negotiate a lower rate or fee waiver. It’s also worth asking your bank if they have any loyalty programs or incentives that you may be eligible for.

In summary, it can be frustrating for existing bank customers to see new borrowers getting much cheaper loans. However, it’s important to understand that this is a result of increased competition in the home loan market, and banks’ efforts to attract new customers. By shopping around and negotiating with your bank, you may be able to secure a better deal on your home loan.

To see how much you can save contact your broker or call 1300 30 67 67 or fill in the enquiry form on this page.

Doug Daniell

CEO – Origin Finance

Fixed vs. Variable Loans Which is right for you?

March 4, 2023

As mortgage brokers, one of the most common questions we receive from home loan borrowers is whether they should fix their loans, especially at the moment as rates have been steadily rising. While there is no one-size-fits-all answer to this question, there are a few factors that borrowers should consider before making a decision.

First, it’s important to understand what a fixed-rate home loan is. With a fixed-rate home loan, the interest rate remains the same for a set period of time, typically between one and five years. This means that borrowers will know exactly how much their mortgage repayments will be during this period, making it easier to budget and plan their finances.

On the other hand, a variable rate home loan has an interest rate that can change at any time, depending on market conditions and the decisions of the lender. While variable rate loans can offer more flexibility and potentially lower interest rates, they also come with the risk of higher repayments if interest rates rise.

So, should borrowers fix their home loans? Here are a few factors to consider:

Interest rate trends: If interest rates are currently low and are expected to rise in the near future, fixing a home loan could be a smart move. This will protect borrowers from potential rate hikes and help them budget with certainty.
Budgeting needs: If borrowers prefer to have a set repayment amount each month to make budgeting easier, a fixed-rate home loan may be the way to go. This is especially true for those who are on a tight budget or have limited income.
Flexibility needs: If borrowers anticipate the need to make extra repayments or pay off their loan early, a variable rate home loan may be a better option. Fixed-rate loans often come with restrictions on extra repayments or may charge fees for early repayment.
Risk tolerance: Finally, borrowers need to consider their risk tolerance. Fixed-rate loans offer stability and predictability, but they may also come with higher interest rates. Variable rate loans can be more volatile, but they may also offer lower interest rates and the potential for savings.

Ultimately, the decision to fix a home loan comes down to each borrower’s unique circumstances and preferences. As a mortgage broker, it’s important to help your clients understand the pros and cons of each option and guide them towards the loan that best meets their needs.

In conclusion, fixing a home loan can offer stability and predictability for borrowers, but it may not be the best option for everyone. It’s important to carefully consider the interest rate trends, budgeting needs, flexibility needs, and risk tolerance before making a decision. As always, working with a knowledgeable and experienced mortgage broker can help borrowers navigate the options and make an informed decision.

Please call 1300 30 6767 to discuss or fill in the form here to receive a call or book an appointment

At Origin Finance, We Put You First