Knowledge Hub
5 Benefits of Debt Consolidation
In the current Australian mortgage market, influenced by rising interest rates and fluctuating economic conditions, debt consolidation is becoming an increasingly popular solution. For many Australians facing multiple high-interest debts, consolidating these debts...
Unlocking the Benefits of Refinancing Home Loans in Australia
Introduction Refinancing home loans has emerged as a strategic financial move for homeowners across Australia, offering an array of benefits that can enhance financial stability and unlock new opportunities. In this insightful guide, we'll delve into the...
The Ultimate Guide for First Home Buyers in Australia
Introduction Buying your first home in Australia is an exciting yet daunting prospect. To ensure a smooth transition into homeownership, it's essential to arm yourself with the right knowledge and guidance. In this comprehensive guide, we'll explore everything...
Overcoming Bad Credit: How VOXFIN Mortgage Brokers Can Help You Secure a Home Loan
Introduction Struggling with a bad credit score can feel like hitting a roadblock on the path to homeownership. However, with the right guidance and support, obtaining a home loan despite bad credit is possible. In this article, we'll explore the challenges...
Should You Consider a Construction Loan?
Over the past 12 months, homebuyers have been given a host of Government incentives to enter the property market and a large portion of them are centered around building your own home. Both the Federal Government and various State Governments have launched various...
Investing with a SMSF
In recent years, Self-Managed Super Funds (SMSF) have grown considerably in popularity, particularly for purchasing both residential and commercial property. SMSF allow people to control their own retirement savings and invest them in the best way they see fit. This...
Is Now the Time to Consolidate Your Debts ?
For most people, December and the holiday period are a time for spending, and unfortunately, it can also lead to overspending. Overspending at this time of year can certainly add to the level of mortgage stress many households are already under, thanks to many...
Should You Be Using Buy Now, Pay Later?
In recent years, one of the biggest changes for consumers has been the move towards ‘buy now, pay later’. In years gone by, most people simply purchased with credit cards, and before that, it was using lay-by. Things have changed dramatically in the past five years...
Considering a Payday Loan?
Typically, the holiday period is a time of year where people spend the majority of their money and increase their debts. Come the start of the new year, many people can find themselves struggling with that additional debt burden and often turn to short-term, payday...
House Prices Close Out 2020 Strongly
Despite the predictions of widespread and dramatic falls in house prices in 2020, it appears the exact opposite has unfolded. The latest data from CoreLogic shows that house prices across the country have finished the year incredibly strong, marked by a 1% increase in...
How to Get a Lower Interest Rate on Your Home Loan
In the current economic climate, low interest rates are not just a bonus - they are expected. Fortunately, if you are working with a mortgage broker, they will be able to help you get the very best deal you can and that will mean you will be receiving the very best...
Common Mistakes that Stop You Getting a Loan
When the time comes to apply for a home loan, many would-be borrowers are shocked to learn that a few simple mistakes have cost them the chance to get finance. Lenders have several checks they run on all applications and if you’ve made these errors you might be out of...
What is Positive Gearing?
As interest rates continue to fall, there has been more and more talk about the concept of positive gearing. Simply put, when a property is positively geared, it generates more income than it costs to hold. Most property investors are faced with a number of costs that...
4 Popular Investment Strategies
Property investing has been a powerful way to build wealth that Australian’s have been using for generations. The great thing about property is that there are a number of different approaches you can use that all increase your wealth over time. The exact strategy that...
Budgeting Wisely at Christmas to Get a Loan
Christmas is coming up so it’s important to start thinking about your budget over the holiday period. While we all love giving presents, if you’re looking at potentially applying for a home loan in the new year, it’s important that you don’t do any damage to your...
What Does Subject To Finance Really Mean?
What Does Subject To Finance Really Mean?The vast majority of people who look to purchase property will do so with the help of finance. If you need to use finance to purchase a property, then you certainly need to include a ‘subject to finance’ clause in your offer. A...
How to Finance Your Home Renovation
How to Finance Your Home RenovationAs the window begins to close to access the Government’s Home Builder grant, there is still enough time to capitalise if you’re looking to build or substantially renovate. Given that the requirements are high for renovators, many...
Getting An Alternate Documentation Loan
Getting an Alternate Documentation LoanAs we know, all borrowers have different circumstances and that’s why there is never a one size fits all approach when it comes to lending. For the majority of full-time employees with a good credit history, you will likely have...
Why You Should Consider Refinancing
Why You Should Consider RefinancingAs the Australian economy gets back to normal on the back of the COVID-19 enforced shutdowns easing, borrowers are sitting in an enviable position. The moment lockdown measures started, the RBA acted quickly and cut the official cash...