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.

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

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

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...

If you, like so many of us at this time of year, have found yourself staring at your bank statement convinced you’ve become a victim of frau

As mortgage brokers, we're well versed in loan applications so here's a few things to consider to help you get started.

It must seem impossible for our first home buyer’s to get on the property ladder these days. The strength of the Brisbane property market...

Purchasing a property is a big responsibility, easily one of the biggest decisions many of us will make and it's important to get it...

Here's what you need to know. Purchasing your first home is an incredible achievement. It’s a sign that you've worked hard and have...

Found a house you'd love to secure finance on? You should speak to your broker before you walk away...