RFinance

Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan. 🏡

Is a tree or sea change on your horizon? - rfinance.au Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan. The classic tune ‘Home among the gum trees’ is fast becoming a lifestyle anthem for a growing number of Aussies. A surgi...

You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help. 🤜 🤛

Why three-in-four Aussies turn to a broker for home loan help - rfinance.au You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help. Borrowers are more spoilt for […]

Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home. 🏡⁣⁣

First home buyers turn to Bank of Nan and Pop - rfinance.au Nan and Pop have always been good for birthday money, but one-in-10 grandparents are taking their generosity to the next level: helping their grandkids buy a first home. Most of us have special memories of pocketing a few treats from Granny and Gramps. But it turns out those small gestures of affect...

Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works. 🏡

What you should know before buying ‘subject to finance’ - rfinance.au Not sure if you’ll get the thumbs up for a home loan? But you really, really like that house that just popped up? Making an offer ‘subject to finance’ could be the right move. Here’s how it works. Picture this. You’ve seen a home you’re crazy about, and you don’t want to miss out to [....

If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you can start working towards your property goals now. 🏡⁣⁣

Not feeling the budget love? 4 ways you could still get ahead - rfinance.au If the latest federal government budget is leaving you hungry for perks and savings, you’re not alone. We’ve had a brainstorm and here are four ways you could start working towards your property goals now. The 2024 federal budget is out, and you might be wondering what’s in it for you. Sure, a...

Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner! 🏡⁣⁣

Low deposit scheme helps over 150,000 families buy sooner - rfinance.au Whether you’re rat running your local streets, or have a knack for always picking the fast-moving supermarket queue – everyone loves a good time-saving hack. Well, today we’ll let you in on a scheme that could get you into your first home years – yep years – sooner! When you’re saving fo...

Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost. 💪⁣

Here’s why your borrowing power might soon get a lift - rfinance.au Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost. The upcoming Stage 3 tax cuts have […]

We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process. 😅⁣⁣

How to know if you’re paying a fair price - rfinance.au We all love the idea of nabbing a bargain property, but for most home buyers the real issue is whether they’re overvaluing a place – and paying too much in the process. Buying a home is an exciting prospect, but it’s perfectly natural to have a big dose of nerves given that you’re likely com...

Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list. 😅⁣⁣

Can you remember your home loan interest rate? - rfinance.au Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand’s name – all very much socially acceptable things to forget. Your home loan rate shouldn’t be on that list. It’s a fair bet that your home loan repayments are one of your bigges...

When it comes to buying investment properties, younger Australians are punching above their weight, with Millennials taking the title as the nation’s most active generation for property investment.🏡⁣

Plot twist: Millennials are Australia’s most active property investors - rfinance.au

You may not feel richer, but if you’re a homeowner, there’s a decent chance your personal wealth has surged over the past 12 months. And it could open up a world of exciting possibilities. 🏡⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣

Homeowners now an extra $71,000 richer (on average!) - rfinance.au You may not feel richer, but if you’re a homeowner, there’s a decent chance your personal wealth has surged over the past 12 months thanks to soaring property values. And it could open up a world of exciting possibilities. Sometimes you’ve just got to shake your head in disbelief at the resili...

Nobody likes missing out on a good thing. But then again, who likes overpaying? So how do you strike the right balance when both fears can work against one another? 😅⁣⁣⁣⁣

FOMO, FOBO and FOOP – how they can hold you back - rfinance.au Nobody likes missing out on a good thing. But then again, who likes overpaying? So how do you strike the right balance when both fears can work against one another? The property market rarely stands still. Interest rate movements, the number of homes listed for sale, and even the time of year can al...

There’s something special about moving into a newly-built home or putting the finishing touches on a reno. Perhaps it’s the look and feel of new paint and fresh flooring, or just knowing you’ve kicked a worthwhile goal. But how do you fund such a project in the first place? 🏡⁣⁣⁣⁣⁣⁣

Explainer: how construction loans work - rfinance.au There’s something very special about moving into a newly built home or putting the finishing touches on a major renovation. Maybe it’s the look and feel of new paint and fresh flooring, or just knowing you’ve kicked a worthwhile goal. Whatever the motivation, plenty of Aussies are rolling up t...

Spare cash can be tight right now (cost of living crunch, anyone?). But if you’ve still got some savings plus a home loan, there’s a clever way you could make your surplus funds work harder. 🏡⁣

Why offset accounts are hitting new highs - rfinance.au Spare cash can be tight right now (cost of living crunch, anyone?). But if you’ve still got some savings plus a home loan, there’s a way you could make your surplus funds work harder. Ever heard of an offset account? They’re becoming an increasingly popular add-on feature to home loans, with n...

Need a home loan in a hurry? You could be in luck. Plenty of lenders are keen to crunch loan approval times at present – but there’s a lot borrowers can do to potentially speed up the process, too. ⏱🏡⁣

How long does it really take to get a home loan? - rfinance.au Need a home loan in a hurry? You could be in luck. Plenty of lenders are keen to crunch loan approval times at present – but there’s a lot borrowers can do to potentially speed up the process, too. Finding a home to buy can take time, and when the right place comes along it […]

Location may be a big driver of property prices, but in any given suburb a few streets can be all that separates paying top dollar for a home or potentially scoring a bargain. Here’s how to use a tool to find pockets of value in any given neighbourhood. 🏡🏘

Where are the bargain homes located in your suburb? - rfinance.au Location may be a big driver of property prices, but in any given suburb a few streets can be all that separates paying top dollar for a home or potentially scoring a bargain. Here’s how to use a tool to find pockets of value in any given neighbourhood. Each suburb has its own median house […]

Take a look around your local suburb, and chances are you’ll see freshly minted For Sale signs popping up all over the place. That’s because a large number of homes are coming onto the market. Here’s why… 🏡⁣

Home buyers rejoice! More listings are hitting the market - rfinance.au Great news for home buyers! After an extended run of low listings, the number of homes coming onto the market is skyrocketing. So could this have an impact on the property market? Let’s take a look. Take a look around your local suburb, and chances are you’ll see freshly minted For Sale signs po...

Lending to property investors is soaring once again. We lift the lid on what’s driving investor interest – and what it could mean for the property market throughout 2024. 🏡⁣

They’re back! Why property investors account for one-in-three new home loans - rfinance.au Lending to property investors is soaring once again. We lift the lid on what’s driving investor interest – and what it could mean for the property market throughout 2024. It looks like property investors are back … and in a big way. The latest ABS figures show that in December 2023, banks lent...

Happy days! The RBA kept rates steady in February. But a shake-up in the number of times our central bank meets each year is raising questions about how long the rate pause will last. Here’s what we could expect. 👇⁣

When will the next RBA cash rate call be made? - rfinance.au Happy days! The Reserve Bank kept rates steady in February. But a shake-up in the number of times our central bank meets each year is raising questions about how long the rate pause will last. Here’s what we could expect. It seems fitting that in a month known for Valentine’s Day, the Reserve Ba...

Applying for a mortgage when you’re self-employed may have you jumping through more hoops. But it needn’t deter you from getting into the property market. Here are 4 tips to help you apply for a mortgage like a boss. 💪⁣ ⁣

4 tips for self-employed home loan applications - rfinance.au Applying for a mortgage when you’re self-employed may have you jumping through more hoops. But it needn’t deter you from getting into the property market. Here are 4 tips to help you apply for a mortgage like a boss. Being your own boss sure has its advantages: the flexibility of setting your ow...

Hats off to Australia’s first home buyers! The latest lending data shows they’re refusing to let last year’s rate hikes and rising property values dampen their goal of buying a home. Here are five tips to help you buy your first home in 2024. 👇⁣

First home buyers charge back into the market - rfinance.au Hats off to Australia’s first home buyers! The latest lending data shows they’re refusing to let last year’s rate hikes and rising property values dampen their goal of buying a home. Here are five tips to help you buy your first home in 2024. You’ve gotta hand it to first home buyers in the ...

It’s commonly known that the bigger your deposit, the smaller your home loan, and thus, the lower your monthly repayments. But today we’ll look into another way your deposit size could reduce your repayments: by potentially reducing your interest rate. 🏡

How your deposit size can shape the rate you pay - rfinance.au It’s commonly known that the bigger your deposit, the smaller your home loan, and thus, the lower your monthly repayments. But today we’ll look into another way your deposit size could reduce your repayments: by potentially reducing your interest rate. A question we’re commonly asked (believe ...

What exactly can a mortgage broker do for you? Well, we don’t mean to toot our own horn, but we can make your home loan journey a whole lot easier, letting you focus on the fun part: planning for your new home! 🏡

The pros of having a mortgage broker on your side - rfinance.au What exactly can a mortgage broker do for you? Well, we don’t mean to toot our own horn, but we can make your home loan journey a whole lot easier, letting you focus on the fun part: planning for your new home! The words “home loan application process” can strike fear in the hearts of […]

Thought of a New Year’s resolution yet? Or perhaps you’ve broken one already? 😅⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣
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Either way, check out our list of possible mortgage goals for 2024 – try one, or have a go at them all – to save a bundle in the year ahead. 🏡

5 New Year’s resolutions for your home loan - rfinance.au Thought of a New Year’s resolution yet? Or perhaps you’ve broken one already? Either way, check out our list of possible mortgage goals for 2024 – try one, or have a go at them all – to save a bundle in the year ahead. It’s that time of year when Aussies love to set resolutions. […]

The year has flown past, and as our thoughts turn to trees, tinsel and turkey, we’d like to thank all our fantastic clients for your support throughout 2023. 🎄 🎉

Merry Christmas! Season’s greetings from all of us to you - rfinance.au The year has flown past, and as our thoughts turn to trees, tinsel and turkey, we’d like to thank all our fantastic clients for your support throughout 2023. It’s been quite a year, with higher interest rates, soaring national property values (who’d have thought?) and a few welcome surprises i...

Home owners have been battling rising interest rates for over a year and a half now. But a new report reveals the important step some savvy borrowers are taking to rein in higher rates and swap “oh no!” for “ho, ho, ho!”. 🎅 🎄

Ho ho ho! The smart move that has 1 in 10 borrowers feeling jolly - rfinance.au Home owners have been battling rising interest rates for over a year and a half now. But a new report reveals the important step some savvy borrowers are taking to rein in higher rates and swap “oh no!” for “ho, ho, ho!”. It’s no secret that refinancing has the potential to slice a big chu...

If buying a home is at the top of your wish list for 2024, don’t miss our rundown on how the property market has fared in 2023 – and why the new year is shaping up as potentially another big year for real estate. 🏡

What’s tipped for house prices in 2024? - rfinance.au If buying a home is at the top of your wish list for 2024, don’t miss our rundown on how the property market has fared in 2023 – and why the new year is shaping up as potentially another big year for real estate. As we turn the page on 2023, let’s take a quick […]

First home buyers with a small deposit now have an even wider range of lenders to choose from. We reveal the latest banks to join the 5% deposit scheme that’s helping more buyers get into the market sooner. 🏡

More lenders sign up to low deposit first home buyer scheme - rfinance.au First home buyers with a small deposit now have an even wider range of lenders to choose from. We reveal the latest banks to join the 5% deposit scheme that’s helping more buyers get into the market sooner. First home buyers have just received an early Christmas gift, of sorts, with an uptick in t...

It may be called the silly season but a few smart strategies could help you enjoy the festive season this year without missing a beat on your home loan. Check out our tips to share the Christmas cheer this year without breaking the bank. 🎄

How to manage your home loan over Christmas - rfinance.au It may be called the silly season but a few smart strategies could help you enjoy the festive season this year without missing a beat on your home loan. Check out our tips to share the Christmas cheer this year without breaking the bank. Store shelves are starting to be lined with tinsel, ‘Santa s...

If the November rate hike will seriously stretch your finances, one potential solution may be to extend your loan term. But taking more time to pay off your mortgage can come with hidden downsides. Here’s what to weigh up. ⚖

The big stretch: should you extend your loan term? - rfinance.au If the November rate hike will seriously stretch your finances, one potential solution may be to extend your loan term. It can ease the hip pocket pain by lowering monthly repayments. But taking more time to pay off your mortgage can come with hidden downsides. Here’s what to weigh up. Will the RB...