Lending Guide

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Lending Guide

Navigate the mortgage maze with ease. 👇 to match with a mortgage broker who understands your needs.

17/06/2024

This was our CEO John Maxwell, aka The Mortgage Coach, on a quick 15 min call at Bondi with a fellow Sydneysider who is starting to think about buying another property. You can put him on speed dial anytime of day, whenever it’s convenient for you.

No seriously - put in The Mortgage Coach into your phone 0434 544 225. As a husband & wife team at the helm, they’re here for you 24/7 🙌

28/02/2024

We LOVE hearing all the success stories our match-making service provides!

With Lending Guide’s Expert Brokers:
🤝 Receive expert advice from trusted professionals.
💼 Find a loan perfectly tailored to YOUR financial goals.
🌟 Transform the experience from overwhelming to empowering.

Our CEO John Maxwell was a former top broker for over 2 decades - our customers LOVE speaking to John to get the confidence & clarity they need to move forward in their lives.

When the time is right, he will personally match you to the right expert broker that he trusts to look after you 🙌

03/02/2024

Ahead of the RBA announcement this week, our CEO John Maxwell shares his opinion on what will happen with interest rates this year 🤔

As a former top broker with 20 years experience, and now an industry leader, he's got his finger on the pulse and shares his tips for current mortgage holders managing their repayments.

Follow along on TikTok for daily insights from John, he's a walking, talking home loan encyclopedia 🥳 https://www.tiktok.com/

03/01/2024

Hey there! 🌟 Our expert Lending Partners are ready to listen and understand exactly what you need. 🏠

Think of them as your dream-makers! Whether it's buying your first home, upgrading to a bigger one, or finding that cozy vacation spot, they'll find the perfect mortgage solution just for you. Reach out to be matched with one of them and make those dreams a reality. Don't worry we're also here for you every step of the way!

27/12/2023

Whether you're a first-time homebuyer, looking to refinance, or just exploring your options, we've got you covered.

Our team of expert Lending Partners are here to guide you every step of the way. They'll help you navigate through the mortgage maze and find the mortgage that fits just right for you. It's all about finding that perfect match!

So, why wait? Let's embark on this exciting journey together. Discover your ideal mortgage partner with Lending Guide. Your dream home could be just around the corner! 🏡

20/12/2023

🏡 Are you in a rush to find the perfect mortgage solution? Look no further!

At Lending Guide, we're here to make your journey towards refinancing or owning your dream home as smooth as silk.

Say goodbye to the headaches of overwhelming process and hello to a future where you have a dream broker who will guide you through the entire process.

15/12/2023

Let's talk about Lenders' Mortgage Insurance or LMI. 🏠💰

Did you know that LMI is a type of insurance that protects the lender, not you? 😲

It's usually a one-off payment made by the borrower at the time of loan settlement. Here are some quick facts to keep in mind:

👉 If you borrow more than 80% of your home's value, you can expect to pay LMI.
👉 LMI is designed to protect the lender, not the borrower.
👉 You don't need to arrange LMI yourself - your lender will take care of it for you.
👉 By saving a bigger deposit, you can actually save on LMI!

If you're thinking of buying a home, it's important to understand all the costs involved. Let us know if you have any questions! 🏡💭

17/08/2023

Wages growth falls to 3.6%

If you’re hoping the Reserve Bank stops raising interest rates, the latest data on wages will be encouraging news.

Annual wages growth fell from 3.7% in the March quarter to 3.6% in the June quarter, according to the Australian Bureau of Statistics.

The reason the Reserve Bank has been raising interest rates is to cool the economy and reduce inflation (currently 6.0%) to its target range of 2-3%. Wages make a major contribution to inflation, so falling wages growth puts downward pressure on inflation.

The Reserve Bank will certainly discuss this latest wages data, along with other indicators, when it holds its next interest rate meeting, on September 5.

15/08/2023

Kiwis showing strong interest in local real estate

New Zealand has become the leading country for overseas searches for Australian property, according to PropTrack analysis of buy searches on realestate.com.au in July.

Back in March 2020, when the pandemic started, New Zealand ranked fourth for overseas buyer activity, behind America, the UK and Hong Kong. Since then, buy searches from people based in New Zealand have increased 171%.

New Zealand is now responsible for 17% of all overseas buy searches.

"The geographical closeness of Australia makes it a prime destination for New Zealanders, as does the ability to seek work without applying for a visa," PropTrack senior data analyst Karen Dellow said.

"Because of this, New Zealanders will always find Australia desirable, and we expect to see continued interest in Australian properties from this country."

14/08/2023

Rents keep rising

Property rents have now increased for 35 consecutive months, according to CoreLogic, after the national rental index rose by another 0.6% in July.

The graph explains why rents have been going up and up over the past three years.

Vacancy rates in both the capital cities and regions are 1.6 percentage points below the long-term average. That means supply is low and demand is high – which has, naturally, pushed up rental rates.

That said, the tide may be turning:

* Vacancy rates have been edging higher over the past few months
* The July rental increase was the smallest since December 2021

11/08/2023

Property price forecasts

Australia's median property price will increase 2-5% this year, with prices expected to rise in most capital cities, according to PropTrack forecasts.

PropTrack director of economic research Cameron Kusher said the strength of the housing market was surprising, given that most commentators had previously expected prices would fall during 2023.

Looking ahead, Mr Kusher said it was hard to know whether prices would continue rising in 2024.

"It’s starting to look like interest rates might be close to their peak, but if interest rates were to be cut next year, people would be able to borrow more and that would bid up prices. Alternatively, if they stay higher for longer and we do get that additional supply of housing coming to the market, then prices could start to fall again,” he said.

10/08/2023

Property listings decline 4.4%

There’s been a reduction in the number of homes listed for sale, which has given vendors the opportunity to raise their asking prices.

Across Australia, the number of properties listed for sale in July was 4.4% lower than the month before, according to SQM Research. That was because the number of old listings leaving the market was greater than the number of new listings entering.

At the same time that the number of for-sale properties fell, vendors across Australia raised their asking prices by 1.4%.

Lower housing supply generally leads to higher demand, and therefore higher prices.

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