Lendium

Call Directions Website

Lendium Welcome to Lendium, your trusted mortgage and finance broking service, proudly serving clients across South Australia and nationwide.

Lendium Pty Ltd is a credit representative (488198) of BLSSA Pty Ltd, ACN 117 651 760 (Australian Credit Licence 391237).

Being self-employed doesn't mean buying a home is out of reach. It just means a little more preparation can go a long wa...
15/10/2026

Being self-employed doesn't mean buying a home is out of reach. It just means a little more preparation can go a long way.

Before you start your property search, it's worth making sure your finances are in good shape and you have the right documentation ready.

A few things that can help:

📋 Keep your financial records up to date, including tax returns, business financials, and any documents your lender or mortgage broker may require.

📈 Demonstrate a stable financial position. Lenders will generally look at your income history and the overall strength of your business when assessing your application.

💰 Build a healthy deposit and factor in the additional costs of purchasing a property, so you know exactly where you stand.

🏦 Speak with a mortgage broker early to understand your borrowing capacity and any documentation you'll need before applying.

Buying a home while self-employed may involve a few extra steps, but having a clear plan can make the process much smoother and help you move forward with confidence.

Thinking about buying your next property? Let's discuss your goals and help you prepare for a successful property journey.

Home finance can feel overwhelming at first, especially with so many decisions to consider before buying a property.From...
08/10/2026

Home finance can feel overwhelming at first, especially with so many decisions to consider before buying a property.

From understanding your borrowing position and deposit requirements to comparing loan structures, interest rates, and repayment options, getting the right information early can make the process feel much more manageable.

Every buyer’s situation is different, which is why understanding your goals, budget, and long-term plans is such an important part of preparing for your next move.

💡 The more clarity you have upfront, the more confident you can be when it’s time to make decisions.

Thinking about buying? Let’s discuss your property goals and connect you with the right guidance to help you understand your next steps.

What you need to know about a fixed-rate home loan 💰 Unlike a variable rate loan, where the interest rate is subject to ...
01/10/2026

What you need to know about a fixed-rate home loan 💰 Unlike a variable rate loan, where the interest rate is subject to market fluctuations, the interest rate on a fixed-rate loan is locked in and remains the same for a set period (usually 1 to 5 years).

With a standard principal and interest fixed loan, your repayments remain the same for the duration of the fixed term. You'll pay off a portion of your principal balance plus interest each month, making it incredibly easy to budget.

Keep in mind that, unlike some overseas markets, your regular home loan repayment does not include your council rates or home insurance; you'll budget for those separately. Additionally, if your deposit is less than 20%, you may be required to pay extra costs such as LMI or a low equity premium, which is typically a one-off fee added to your total loan amount at settlement rather than each repayment.

If you have any questions about the different types of home loans available and what might suit your situation, please send me a message!

Considering refinancing your home loan? It could be an opportunity to review your rate, repayments, loan structure, and ...
17/09/2026

Considering refinancing your home loan? It could be an opportunity to review your rate, repayments, loan structure, and overall lending position.

Potential benefits may include:

💰 A better interest rate that could reduce repayments or interest costs
📉 Lower repayments by changing your loan structure or term
⏳ A shorter loan term to potentially pay off your home sooner
🔄 Different loan features that better suit your circumstances
🏡 Access to available equity for eligible purposes, such as renovations or another property purchase

Refinancing also comes with costs and considerations, so it’s important to compare the overall benefit rather than focusing on the interest rate alone.

Thinking about refinancing? Let’s discuss your property goals and connect you with the right lending guidance.

Dreaming of a renovation but short on funds? If your home's value has risen, the equity you've built could cover it.Ther...
10/09/2026

Dreaming of a renovation but short on funds? If your home's value has risen, the equity you've built could cover it.

There are two common ways to access it: a top-up on your existing home loan, or refinancing to a new lender, often at a sharper rate. The right option depends on your loan, your equity, and your plans.

Ready to see what your equity could do? Get in touch for personalised advice.

Applying for a home loan looks a little different when you're self-employed. 💼 While the process requires a bit more pap...
27/08/2026

Applying for a home loan looks a little different when you're self-employed. 💼 While the process requires a bit more paperwork, securing finance is completely achievable with the right preparation.

Here are the primary documents you'll typically need to get ready. Every situation is unique, so having a trusted expert in your corner makes all the difference. Reach out today, and let's work through your options!

Paying off your home loan early can give you greater financial freedom and save you thousands of dollars in interest ove...
13/08/2026

Paying off your home loan early can give you greater financial freedom and save you thousands of dollars in interest over the life of your loan. 💰

Here are some of the most effective ways to smash your loan faster:

➡️ Switch to fortnightly payments: Instead of paying monthly, split your monthly payment in half and pay fortnightly. Because there are 26 fortnights in a year, you’ll end up making the equivalent of an extra month's payment each year!
➡️ Utilise an offset account: Make your savings work for you. By keeping your spare cash or emergency fund in a linked 100% offset account, you reduce the balance that interest is calculated on, meaning more of your payment goes toward the principal.
➡️ Make use of your redraw facility: Got a bonus, tax return, or cash injection? Put it straight into your loan. Most variable loans allow you to redraw these extra funds later if you absolutely need them, while saving you interest.
➡️ Round up your payments: When budgeting, round your regular repayment up to the nearest $50 or $100. Even a small consistent extra buffer compounds massively over a 25 or 30-year term.
➡️ Review and refinance: Don't just set and forget. Speak with your broker regularly to ensure your interest rate remains competitive compared to what's currently available in the market.

Want to see how much time and interest you could save by tweaking your payment strategy? Let’s chat today! 📞👇

If you’re looking to buy a home, you’ve probably heard the terms fixed-rate and variable-rate thrown around a lot when i...
06/08/2026

If you’re looking to buy a home, you’ve probably heard the terms fixed-rate and variable-rate thrown around a lot when it comes to home loans. Let’s review the difference between the two!

A fixed-rate home loan locks in your interest rate for a set period (usually 1 to 5 years). You know exactly what your monthly repayments will be, giving you great peace of mind.

A variable-rate home loan has an interest rate that can move up or down based on the market and official cash rate changes, meaning your monthly repayments can change over time.

Both options have their pros and cons! If you’re wondering which one is the right fit for your property goals, let's chat. 💬

Address

Newton, SA

Telephone

+61400556633

Website

Alerts

Be the first to know and let us send you an email when Lendium posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category