Givecredit Finance

Givecredit Finance Best-interest-duty compliant finance and mortgage broking firm based in Sydney, Australia.

Leveraging technology in adviser structuring the loan together with clients, the transparent application process ensures maximum product-scenario fit.

Mortgage Myths That Need to GoThere’s a lot of information about home loans online, and not all of it is accurate.Here a...
10/06/2026

Mortgage Myths That Need to Go

There’s a lot of information about home loans online, and not all of it is accurate.

Here are 3 common myths we hear:

❌ Myth: You need a 20% deposit to buy a home.

✅ Not always. Depending on your situation, some buyers may be able to purchase with a lower deposit.

❌ Myth: The lowest interest rate is always the best option.

✅ Interest rates matter, but so do fees, features, and flexibility. The right loan is about more than just the rate.

❌ Myth: Pre-approval guarantees you'll get the property.

✅ Pre-approval is an important step, but final approval is still subject to lender checks and property assessment.

💡 Givecredit's Tip : Before making decisions, make sure you're working with up to date information and advice that fits your situation.

📞 Feel free to contact us if you'd like to make right decisions.

📢 Federal Budget Update: Negative Gearing ChangesThe Federal Government has announced proposed changes to negative geari...
08/06/2026

📢 Federal Budget Update: Negative Gearing Changes

The Federal Government has announced proposed changes to negative gearing for residential investment properties from 12 May 2026.

What has changed ❓

♦️ Properties owned or under contract on or before 12 May 2026 remain unchanged.

♦️ Eligible new builds purchased after 12 May 2026 are expected to remain eligible for negative gearing.

♦️ Established properties purchased after 12 May 2026 may no longer qualify.

💡Givecredit's Tip: Building a new property on an existing lot as new builds will continue to qualify for negative gearing benefits.

📞 Feel free to contact our team if you'd like to discuss your investment plans.

Fixed vs Variable Rates: Which One Suits You❓Choosing between a fixed or variable home loan rate depends on what matters...
05/06/2026

Fixed vs Variable Rates: Which One Suits You❓

Choosing between a fixed or variable home loan rate depends on what matters most to you; stability or flexibility.

📌Fixed Rate
Your repayments stay the same for a set period, making it easier to budget and plan ahead. It also protects you if interest rates rise.

📌Variable Rate
Your rate can move up or down with the market. These loans often offer more flexibility, including extra repayments and offset account options.

💡Givecredit's tip: You can also split your loan to get the benefits of both.

📞 Feel Free to contact us to help you explore the right strategy.

What Affects Your Borrowing Power?Your borrowing power is based on more than just your income.Lenders may also consider:...
03/06/2026

What Affects Your Borrowing Power?

Your borrowing power is based on more than just your income.

Lenders may also consider:

- Your expenses and existing debts
- Credit history
- Employment stability
- Savings and deposit amount
- Number of dependents

Even small financial changes can affect how much you may be able to borrow.

Givecredit's advice: Before starting your property search, it’s a good idea to understand your current borrowing position and budget clearly.

📞 Feel free to contact us if you’d like to know your borrowing power.

What Does a Mortgage Broker Actually Do?A lot of people think a mortgage broker just helps you “Get a Loan” but there’s ...
01/06/2026

What Does a Mortgage Broker Actually Do?

A lot of people think a mortgage broker just helps you “Get a Loan” but there’s more to it than that. A broker helps you understand your options, compare lenders, and guide you through the home loan process from start to finish.

At Givecredit, we help clients:

- Understand how much they may be able to borrow
- Compare suitable loan options
- Prepare documents and applications
- Communicate with lenders along the way

Every situation is different, especially for first-home buyers. The goal is to help you make informed decisions with clearer guidance and support.

📞 Feel free to contact us if you’d like to discuss your home loan options.

How Much Deposit Do You Really Need?Many people believe you need a 20% deposit to buy a home. While 20% can help you avo...
29/05/2026

How Much Deposit Do You Really Need?

Many people believe you need a 20% deposit to buy a home. While 20% can help you avoid Lenders Mortgage Insurance (LMI), it’s not the only option available.

Depending on your situation, some lenders may accept a lower deposit, and eligible buyers may qualify for government support schemes.

5% deposit — possible for some buyers, usually with LMI
20% deposit — may reduce extra costs and improve loan options
It’s also important to budget for additional expenses like legal fees, stamp duty, and inspections.

📞 Feel free to contact us for guidance.

FAQ: Can I still buy a home with bad credit?Yes, depending on your situation, it may still be possible.Many people think...
27/05/2026

FAQ: Can I still buy a home with bad credit?

Yes, depending on your situation, it may still be possible.

Many people think one missed payment or past financial difficulty means automatic rejection. That’s not always true.

At Givecredit, we look at your overall situation, not just your credit score.

Here’s how we help:

Explore lender options that may suit your situation
Help present your application professionally
Provide guidance on improving your borrowing position
Create a clear plan if you’re not ready yet
Everyone’s financial journey is different. The important thing is understanding your options early.

📞 Feel free to message us for a confidential consultation.

5 Mistakes First-Home Buyers MakeBuying your first home is exciting, but it’s easy to make costly mistakes without the r...
25/05/2026

5 Mistakes First-Home Buyers Make

Buying your first home is exciting, but it’s easy to make costly mistakes without the right guidance. Here are five common pitfalls to avoid:

1. Purchasing Without Pre-Approval

Looking at homes before knowing your exact budget can lead to heartbreak. Secure your financing first.

2. Forgetting "Secret" Costs

Always save extra for mandatory expenses like government fees, legal costs, and building inspections.

3. Emptying Your Bank Account

Keeping an emergency buffer is important after settlement.

4. Buying based on emotions

Letting emotions influence your purchase decision may cause you to overlook costly issues or pay above market value.

5. Overlooking the Neighborhood

A great house in the wrong area won't work long-term. Check the local transport, traffic, and amenities first.

📞 Ready to make your first move and find out how we can help to avoid these mistakes? Feel Free to Call us !

A great mortgage isn’t just about getting approved, it’s about finding a financial strategy that fits your life and prot...
22/05/2026

A great mortgage isn’t just about getting approved, it’s about finding a financial strategy that fits your life and protects your future in a changing market.

Managing a home loan can feel overwhelming. As your trusted advisor, we break down the market's complexities so you can make clear, confident decisions.

Helping our clients find peace of mind is exactly why we do what we do. Here is what **Ko Sithu Soe Shwe** shared about his experience with us.

📞 Ready to review your home loan? Contact us today for a free consultation.

Thank you to BDM from Mystate bank for sharing valuable updates with our team. Mystate bank isone of the options to cons...
21/05/2026

Thank you to BDM from Mystate bank for sharing valuable updates with our team. Mystate bank is
one of the options to consider if you are looking for home loan solution with lower rates and flexible
features. It is one of the lenders participating in goverment first home gurantee scheme.

Looking for a home loan solution that fits your needs? We're here to help you.





Address

Level 49/8 Parramatta Square Parramatta
Parramatta, NSW
2150

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm

Telephone

+61278056381

Website

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