by Finance Circle Group | Sep 15, 2024 | Latest News
When it comes to choosing whether to hold personal insurance inside or outside super, both options have pros and cons. Which one is right for you? Benefits of each Insurance inside super Most people have some level of default insurance inside their super. This cover...
by Finance Circle Group | Nov 15, 2023 | Latest News
Construction home loans If you’re building a new home or renovating an existing home, it is important to engage Finance and Mortgage Brokers such as the team at Finance Circle Group who understands the in’s and outs of construction loans and process. How it works The...
by Finance Circle Group | Oct 17, 2023 | Latest News
The Home Guarantee Scheme (HGS), is an Australian Government initiative to help you buy or build your home sooner. We’re proud to continue supporting this initiative. First Home Guarantee Under the expanded Home Guarantee Scheme, the Government is now releasing...
by Finance Circle Group | Sep 12, 2023 | Latest News
Lenders are being more selective when it comes to certain suburbs. Here’s why. We all have suburbs we wouldn’t want to buy a home in, but did you know that lenders have their own views too? There are certain suburbs where lenders impose lending restrictions,...
by Finance Circle Group | Jul 25, 2023 | Latest News
The days of questioning if a mortgage broker was recommending you a loan because it was the best for you are over, thanks to Best Interests Duty Law (BID). From 1 January 2021, Best Interests Duty laws came into effect for mortgage brokers and financial advisers....
by Finance Circle Group | Jan 28, 2023 | Latest News
FASTRefi or Rapid Refinance is a unique refinance process that uses title insurance underwritten by First Title to allow lenders to payout a borrower’s loan account within days, as opposed to the standard refinance process which takes weeks to complete. This process...
by Finance Circle Group | Dec 13, 2022 | Uncategorised
Self Managed Super – Limited recourse loan Some people are interested in the ability to purchase property within a Self-Managed Superannuation Fund (SMSF). An SMSF allows you to invest directly in residential or commercial property using the funds accumulated in...
by Finance Circle Group | Aug 14, 2022 | Latest News
Your credit score, may also referred to as Equifax Score, is used by some of your potential lender to determine the risk of offering a loan to you. This is an automated rating system and based on your credit file as well as the information you have provided in your...
by Finance Circle Group | Jul 23, 2022 | Latest News
Your living expenses play an important part in your broker, or the bank assess your home loan application. To work out your Borrowing Capacity, your living expenses will be a key factor; how much can you borrow, or even if you can afford one. So, what is the Household...
by Finance Circle Group | Nov 14, 2021 | Latest News
The prudential regulator APRA on Wednesday ordered banks to lift the “buffer” they add to market interest rates when assessing borrower capacity to repay loans. Here is what that move will mean in practice for potential borrowers. What is a serviceability...
