Curious how HECS / HELP debt affects your ability to secure a mortgage as a first home buyer? And is it better to pay out the HECS debt before applying for a mortgage?  Discover essential insights on managing your borrowing capacity and strategies to buy property with an existing student loan.

Discover why 2024 is prime for property buying in Australia. With reduced building approvals and potential RBA rate cuts on the horizon, acting now is crucial. Take advantage of favourable market conditions and seasonal trends to enter the market sooner rather than later.

Discover why First Home Buyers are not allowed to use superannuation for deposits, and why key association’s are concerned regarding the implications of such a policy on individuals' financial futures and the broader housing market.

Discover why securing a home loan mortgage for renovation projects can be challenging. Properties in need of significant renovation may face stricter lending criteria.

Amidst Australia's rental crisis, soaring rental costs push tenants towards homeownership. Discover why buying property outweighs renting, especially with skyrocketing rents. Utilise mortgage brokers to navigate the market efficiently and secure your dream home amidst the challenging rental landscape.

So what does the recent decision on interest rates by the Reserve Bank of Australia (RBA) mean for us? The RBA's latest meeting has given us plenty to talk about, especially considering the current economic climate.

Here we share our how to guide to help First Home Buyers and home owners style their home on a budget.

Why are big banks the first choice for home loans? We take a look at what property buyers don’t get from 2nd tier lenders.

HSBC Chief Economist Weighs in on the Potential Market Crash and Influence of USD and AUD on RBA Cash Rate Decisions. We explore the connection between Australian cash rate movements, the USD-AUD exchange rate, and their impact on mortgage and home loans in this informative article.

In this edition: August 2023 cash rate predictions and forecast peak by the major banks | Inflation slowdown - will the RBA increase the cash rate | Banks raise rates faster than the RBA | Mint Equity Gold Coast office opens | 70% broker market share - why homeowners are choosing brokers over direct lenders and more…

Discover the impact of the inflation slowdown on the RBA's cash rate decisions. As economic indicators fluctuate, understanding the RBA's response to inflationary pressures becomes paramount for investors, borrowers, and the broader financial landscape.

Mortgage brokers advocate for their clients and help prevent inappropriate decisions by bank credit assessors who may lack experience. If a consumer approaches the lender directly, there is no one to cross-check policies and decisions, which could potentially lead to a decline and negatively impact their credit report if not rectified.

With only 50,000 places available on the schemes, we expect these changes will mean those places will be snapped up quickly in FY23 given the buyer base they are now open to.

The Chief Economist at Westpac has updated their forecast for the May RBA cash rate announcement. With inflation starting to decline, the bank is predicting the cash rate to peak at 3.6% with no further increases.

To enhance security and privacy, we have modified the process of collecting supporting documents for your loan application. Our client portal eliminates the need for email transmission, and ensures that your files are securely transferred to us.

Even industry experts are predicting the Central Coast will be a strong growth opportunity for first home buyers. With its laid-back lifestyle and friendly communities, it's no wonder that more and more people are choosing to call the beautiful Central Coast home.

Refinancing your home loan can be a great way to save money and get a better deal on your mortgage in Australia. There may also be cash back promotions available, so speak to the Mint Equity team to find out if you qualify.

The removal of stamp duty up to $800,000 provides many more first home buyers with access to the market as they don’t need to have cash available to pay stamp duty.

Edition 24 of our newsletter including interest rate cuts predicted in 2023, have we hit the bottom of the property cycle? And what your options are when coming off fixed interest rates.

Economists are predicting the RBA will pause on cash rate increases in April 2023. The mere whiff of interest rates pausing or decreasing has had a very immediate effect on the property market.

Latest median house prices show the top 10 Central Coast suburbs have two things in common, land and beaches. We reveal the top 10 premium Central Coast suburbs.

After 31 years of renting, our client Derek became a first home buyer in Brisbane. The Mint Equity team helped him secure a home loan and provided free buyer support services. Here is Derek’s story.   

MPA’s Top 100 Mortgage Brokers for 2022 delivered eye-catching record breaking figures and with over 11,000 mortgage brokers in Australia, Mint Equity making the list is another accolade for this award-winning mortgage broker.

First Home Buyers in New South Wales will soon be able to choose between two taxation options when you purchase a house; one-off stamp duty or ongoing annual property tax.

Investment property interest rates are always higher than owner occupied interest rates, but now investors have the option to secure their investment home loan at owner occupied interest rates.

Recent RBA cash rate increases definitely made some buyers hesitate, however we’re now seeing an increase in home loan pre-approval applications, which means buyers are getting ready to re-enter the market.

Many prospective homeowners are investigating new methods of home ownership, including rental and first home investment properties. We take a look at the 6 steps for buying your first investment property.