All Solutions Finance and Insurance

09/10/2026

A smaller deposit means a bigger loan and higher repayments. On a $700,000 home, about $630 a month more.

But saving the extra $105,000 for a 20% deposit could take around six years at $1,500 a month. Prices and rents don't stand still in that time.

Neither option is right for everyone. It comes down to what repayments feel comfortable, what you can save, and how soon you want to be in. Let's work through your numbers.

07/10/2026

You may have spent countless hours researching the right investment property to add to your growing portfolio, but if the loan setup isn't optimised, you may be leaving money on the table.

We work with people who want real results from their property portfolio, and we know that a strategic and well-structured loan setup is imperative to making it happen.

Get in touch to find out what's possible.

03/10/2026

If you have big goals, but don't have time to research the thousands of finance options available, then this is where we help.
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We're big believers that creating wealth through property is all about having more freedom. Freedom to make choices that aren't dictated by money - or lack thereof! Freedom to spend your time how you want to.

We'll be here for you when you want to take the next step.

30/09/2026

Consider us your finance matchmakers.

We start by understanding what you want and need, as far as your property strategy goes.

We scour the market and analyse a huge range of loan options, with the help of some exceptional tech.

We then facilitate the application process, letting you put your best foot forward to the lender.

We do all this so you don't have to!

27/09/2026

26/09/2026

Considering refinancing your home loan? Here are a few things to get crystal clear on:

🏠 The amount of equity you have in the property
💭 Your reason for wanting to refinance
💲 The costs of refinancing
🏦 Current interest rates

Contact us to discuss whether refinancing is a good option for you.

24/09/2026

You're free to do what you want with your own money, of course, but we just can't go past this straight talking wisdom.

23/09/2026

Due to staff illness, our office will be closed today. We will however continue to check emails and phone messages.

21/09/2026

Those online calculators are not exactly famous for being accurate. So how much can you really borrow?

It used to be that banks would let you borrow around ten times your annual income. These days it's closer to 6 or 7.⠀
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(It depends on your existing debts, of course).⠀
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Each lender has their own policies on how they judge different sources of income. Some won't factor in your overtime, for instance. Others won't include the earnings from your freelance work.

This can be the difference between being able to borrow enough for your dream home, or not.⠀

Or the difference between getting approved for Loan A, versus getting knocked back from Loans A, B and C.

Don't go it alone - get in touch to talk about the best approach to your unique situation.

19/09/2026

Banks love a good acronym. Here are three you'll come across on your home buyer journey:

LVR: Loan to Value Ratio is how much you're borrowing compared to the value of the property (and accounting for all fees and taxes). An LVR of 80%, for instance, means you have a 20% deposit to contribute to the purchase once you've paid Stamp Duty and other costs.

LMI: Lenders Mortgage Insurance is what protects the bank on the off-chance you default on your loan before you've had a chance to build up your equity. Generally you'll have to take out this insurance if you have a smaller-than-usual deposit (as you'll be considered a bigger risk).

SVR: Standard Variable Rate is the interest rate of a lender's 'standard' home loan. These loan products usually include a lot of bells and whistles, and so will be more expensive than a basic variable loan.

Any questions on home loan jargon? Send us a DM.