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

Givecredit Finance

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Australia
Parramatta, NSW
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.

22/06/2026

💭 FAQ: What Happens After Loan Submission?

Once your application is submitted, the lender will review your documents and assess your financial position and the good news is, the process can move quickly!

Approval timeframes differ from lender to lender. Some can provide a response within minutes, while others may take up to a week. This variety is actually a great advantage, it means there's a lender out there that fits your timeline and situation perfectly.

That's why lender choice matters.

Different lenders have different assessment processes, turnaround times, and lending policies. Having the right lender matched to your individual circumstances can make all the difference to your experience and your confidence moving forward.

At Givecredit, we compare your lender options and provide personalized recommendations based on your particular situation, so you can move forward with clarity and ease.

📞 Feel free to contact our team to explore your home loan options today.

19/06/2026

🤔 What Is LMI?

📌 LMI stands for Lenders Mortgage Insurance.

It’s a cost that may apply when purchasing a property with less than a 20% deposit. While LMI protects the lender, it can also help some buyers enter the property market sooner instead of waiting years to save a larger deposit.

💡 The good news?

There may be ways to reduce or avoid LMI depending on your situation including:
• Government guarantee schemes that may allow first home buyers to purchase with as little as a 5% deposit
• LMI waivers available for certain professions, such as doctors, lawyers, and accountants
• Reduced LMI costs through selected lenders

Different lenders have different policies, and the right strategy can make a significant difference to your outcome.

That's why we take the time to understand your goals and compare lender options to find a solution that works for you.

📞 Feel free to contact our team to discuss your options.

17/06/2026

Thank you for your kind feedback, Ma Junie Soe.

We're grateful to help our clients navigate their home loan journey with confidence.

15/06/2026

📢**RBA Interest Rate Update – JUNE 2026**

The Reserve Bank of Australia has kept the official cash rate on hold at 4.35%.

If you haven’t reviewed your mortgage recently, now is a good time to ensure your loan still aligns with your financial goals.

Our team can help you:

- Review your current loan
- Explore more competitive options
- Identify opportunities to reduce repayments

📞 Contact us today for a quick, no-obligation home loan review.

12/06/2026

❤️ Why We Love Helping Clients Buy Homes?

Buying a home is a big milestone, and we're grateful to be part of that journey. Behind every application is a person, a family, or a goal they've been working towards for years. 👩‍👩‍👦‍👦

What we enjoy most is helping clients understand their options, navigate the process, and move forward with confidence.

Whether it's a first home, an investment property, or a refinance, we're here to provide clear guidance and support along the way. 🤝

📞 Feel free to contact us if you'd like guidance on your home loan options.

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.

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.

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.

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.

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.

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

https://givecredit.com.au/

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