Finance Insight's from a Mortgage Broker

When you apply for a home loan, many borrowers assume it's all about their credit score or employment history. While these factors matter, lenders primarily focus on two fundamental questions: Do you have enough skin in the game? And can you afford the repayments?

The Australian Government has announced significant expansions to the Home Guarantee Scheme that will transform home ownership opportunities for first home buyers across the country. Starting 1 October 2025, these changes will make it easier than ever for eligible buyers to enter the property market with as little as a 5% deposit and no Lenders Mortgage Insurance.

With interest rates constantly in the spotlight and cost-of-living pressures rising, any drop in mortgage rates can be a welcome relief...

When you're ready to borrow for property, most online calculators only scratch the surface. Our tools at astute.online/calculators think like lenders, considering after-expense income, credit card limits (not balances), BNPL accounts, and rate buffers. Get an accurate picture of your true borrowing capacity. Contact Astute East Brisbane on (07) 3667 8988 for personalised assessment.

With days left in the financial year, business owners finalising tax planning should consider how EOFY decisions impact future home loan applications. Unlike employees with payslips, lenders assess business owners on tax returns, financial statements, and BAS statements. We help you understand borrowing capacity once draft financials are ready and match you with the right lender for your business structure.

Thinking about giving your home a facelift? You're not alone. Home renovations continue to trend across Australia as homeowners look to...

Are you subcontracting, sole trading, or trading as a Company or Family Trust? Chances are you've been told it's difficult to get a home loa

Notice clients asking about rental yields or mentioning property investment? Simply suggest they have a quick chat with us before making any

Learn about investments through Self-Managed Super Funds

As a mortgage broker, I've seen firsthand the unique challenges that self-employed individuals face when trying to secure a home loan. While

With lending criteria seemingly continuing to tighten up, there have been some recent announcements that will come as great news to potentia

One critical aspect of purchasing a home is securing the right finance approvals before moving forward with a purchase contract.

It continues to be a highly competitive real estate market in Brisbane, especially throughout the Eastern suburbs of Brisbane. There are...

Spring has arrived, and with it, the real estate market is buzzing with activity. If you're considering selling your home, you might wonder,

Securing a Home in Three Weeks: A Remarkable Real Estate Transaction In the world of real estate, timing is often critical. And Brisbane...

Here is a list of questions to ask when ensuring your home loan pre-approval before making an offer to buy a home.

There’s a tax Incentive available to first-home buyers that makes your savings stretch further, and if you’re part way there in saving a...

Gerv Tacadena from Your Mortgage shared the latest Australian Bureau of Statistics statistics on Lending. It points to some interesting...

This article reposted from Smart Property Investment A recent article from Smart Property Investor talks of an increase in property...

The changing face of the workforce continues to see more Australians be self-employed or operate in non-traditional wage structures. In...