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Fixed vs Variable Home Loans: What Your Mortgage Broker Wants You to Know
Key Takeaways Fixed home loans offer stable, predictable repayments over a set term. Variable home loans offer flexibility and may allow you to benefit from falling interest rates. Your choice should reflect your risk tolerance, cash flow needs and long-term goals. Brokers help you weigh the pros and cons, including split loan options. Market trends, lender offers and personal circumstances all influence the right choice. ARG Finance mortgage brokers provide expert, tailored advice on which loan structure fits your situation. Introduction Choosing between a fixed and variable home loan can feel overwhelming. Many Australian borrowers worry about making the wrong…
How to Choose the Right Mortgage Broker in Australia: 7 Key Questions to Ask
Key Takeaways Not all mortgage brokers offer the same experience, expertise or lender access. Asking the right questions helps you choose a broker who aligns with your goals. A good broker offers a wide lender panel, not just a few banks. Transparency about fees and commissions builds trust. The right broker provides tailored advice and stays involved beyond settlement. Checking the broker’s qualifications ensures they meet regulatory standards. Introduction With thousands of mortgage brokers operating across Australia, how do you know which one is the right fit for you? Whether you’re applying for a residential mortgage or a commercial loan,…
How Mortgage Brokers Can Save You Time and Money
Key Takeaways Mortgage brokers compare multiple lenders, saving you hours of research. They can negotiate better rates, fees and loan terms on your behalf. Brokers help prepare complete, accurate applications to avoid delays or rejections. Brokers know lender policies, which can improve your approval chances. Their services are often free to the borrower, as lenders pay commission to the brokers. Brokers offer ongoing support, helping you manage or refinance your loan later. Using a broker reduces financial stress and ensures you access the right loan for your needs. Introduction Did you know that working with a mortgage broker can save…
Common Mistakes to Avoid When Applying for Commercial Loans in Australia
Key Takeaways Incomplete or inaccurate loan applications can delay approval or cause rejection Overestimating borrowing capacity increases financial risk Failing to compare multiple lenders leads to missed opportunities Ignoring the importance of loan terms (not just interest rates) can cost you long term Not preparing supporting documents slows down the application process Underestimating the value of working with a broker reduces your approval chances Staying informed about market trends helps you make smarter borrowing decisions Introduction Applying for a commercial loan is a major financial step for any Australian business, but making common mistakes can hurt your chances of approval…
Benefits of Using a Mortgage Broker for Commercial Loans
Key Takeaways Mortgage brokers offer access to a wide range of lenders and commercial loan products Help both business owners and commercial property investors secure tailored funding Negotiate better rates, terms, and structures to maximise returns Simplify the application process and improve approval odds Provide expert advice based on your financial goals—whether for growth or investment Offer long-term support post-settlement including refinancing and restructuring Stay informed on market trends, lender policies, and investment opportunities Introduction Navigating the commercial lending landscape can be complex. Whether you're a business owner expanding operations or a property investor building a commercial portfolio, finding the right loan structure is critical. With multiple…
Complete Guide to Commercial Loan
Key Takeaways Commercial loans provide funding for large-scale, long-term business and investment projectsCommon uses include purchasing commercial property, property investment, or business expansionSuitable for both owner-occupiers and commercial property investorsTypically secured by the financed asset (e.g., comemrcial property or equipment)Higher loan amounts, often exceeding $500,000, with longer repayment termsMortgage brokers like ARG Finance assist with lender access, loan structuring, and return optimisationMarket trends and government policy influence lending conditions Introduction Looking to scale your business operations or build a property investment portfolio? Commercial loans in Australia offer tailored finance solutions not just for businesses—but also for property investors seeking strong…
5 Tips for First-Time Buyers: Advice from an Experienced Mortgage Broker
Buying your first home is an exciting milestone, but it can be challenging. The process involves multiple steps, from understanding your finances to finding the right property and securing the ideal loan. Many first-time buyers in Australia face similar challenges, including saving for a deposit, understanding the competitive market, and navigating the loan approval process. This blog will help simplify your journey by introducing five essential tips for first-time buyers, backed by insights from industry experts and data from reliable sources. Understand Your Budget and Borrowing Capacity Before you start house hunting, it's essential to understand how much you can…
Proposal to Ease Responsible Australian Lending Restrictions
The federal government is planning on Easing Australia’s lending Restrictions to help the economy recover from the impact of COVID-19. Restrictions on loans and other forms of credit had previously been tightened after both the Banking Royal Commission in 2019 and the National Consumer Credit Protection Act was introduced in 2009. If the government’s proposal to ease restrictions is passed by parliament, it will be easier for both individuals and businesses to get loans or other forms of credit from most lenders in the Australian market. What changes are proposed? There are two major changes proposed 1) A relaxing of Australia’s responsible lending provisions. 2)…
7 Steps for Obtaining a Better Mortgage
Mortgages are the base of home ownership in Australia, especially if we are entering the real estate market. Whether it is a first home or an investment property, if we are able to understand common mortgage features and steps then it will help us compare the available options and control our future finances. Upon entering the mortgage process, there will be a number of forms and an assortment of paperwork which can confuse us. This can make the process of obtaining a good mortgage seem complicated because of the number of people and procedures involved. All this can appear overwhelming at times, and…
A Must-Have Checklist For Every Home Seller
There is every chance that you might make a lot of mistakes and mix-ups when you are in the process of putting your property on the market for sale. After all, it is complicated and involves numerous things that need to be taken care of to avoid common pitfalls. Furthermore, making a mistake with or misunderstanding legal obligations could have a significant impact on our finances and lifestyle. So, we have prepared a checklist for home sellers, which will help them take a breather in between all the hustle and bustle of home buyers and legal works. THE CHECKLIST #1 Choose the right…
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