Viral Sheth - Mortgage Broker

08/09/2026

Buying a property can involve additional costs beyond the purchase price.

Things like fees, charges, and ongoing expenses are worth considering early.

Being aware of these can help you plan more effectively.

07/09/2026

Whether you’re full-time, casual, or self-employed, lenders may assess income differently.

Having clear and consistent documentation can help support your application.

Understanding how your situation is viewed can help you prepare ahead.

04/09/2026

Lenders may look at how consistently you’ve been able to save over time.

Regular saving patterns can help demonstrate financial discipline and readiness.

Building this habit early can support your future plans.

02/09/2026

In some situations, a guarantor arrangement may help a borrower enter the property market sooner.

This usually involves a family member providing additional security for the loan.

Because these arrangements involve multiple parties, it’s important to fully understand the structure before proceeding.

02/09/2026

02/09/2026

The property market continues to evolve, and so do buyer expectations.

Higher costs and changing conditions mean the journey may look different for everyone.

Understanding the current landscape can help you plan your next move.

26/08/2026

Over time, financial situations and loan structures can change.

Reviewing your current loan may help you understand whether it still aligns with your needs.

It’s a simple step that can provide useful clarity.

19/08/2026

Some buyers are exploring options to enter the market with lower deposits.

Different pathways may be available depending on individual circumstances.

Understanding these options can help you decide what’s suitable for you.

12/08/2026

Higher interest rates and expenses can reduce borrowing capacity.

This may mean adjusting expectations around budget, location, or timing.

A clear understanding of your finances can help you plan more effectively.

11/08/2026

It is smart to keep a close eye on your home loan interest rate and check in regularly with your mortgage broker to explore opportunities for an interest rate reduction.

While we hope interest rates remain stable and trend downward, our top recommendation is simple: disciplined household spending plays a key role in curbing inflation, which ultimately supports a shift toward lower rates for everyone.