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Top 13 mistakes to avoid as a first home buyer QLD [2021 guide + case studies]

Top 13 mistakes to avoid as a first home buyer QLD [2021 guide + case studies]

by Victor Kalinowski | Dec 16, 2020 | First home, Most Popular

Avoiding these 13 mortgage mistakes as a first home buyer in QLD will save you money today and set yourself up for financial freedom tomorrow. Mistake 1:  Thinking you need to wait till you have a 20% deposit saved to buy your first home. For all first home buyers in...
Is An Offset Account Worth It? [2025 Explainer + Case Study]

Is An Offset Account Worth It? [2025 Explainer + Case Study]

by Victor Kalinowski | Dec 16, 2020 | First home, Next home, Refinancing

Home Loan Offset Accounts can save you money on a home loan, but only in the right circumstances. It is very common for people to have heard from friends or parents that an ‘offset account’ is the go these days as it helps you save on interest repayments. But is an...
Lenders Mortgage Insurance | Avoid or reduce your premium

Lenders Mortgage Insurance | Avoid or reduce your premium

by Victor Kalinowski | Aug 3, 2020 | First home, Home Building, Investment Property, Next home, Renovating

You will pay Lenders Mortgage Insurance if you don’t have a 20%  deposit saved when applying for a home loan. Here I explain what it is and how avoid it. As a Mortgage Broker, I help my clients reduce or avoid the amount of Lenders Mortgage Insurance (LMI) they pay....
How To Reduce Your Home Loan Repayments

How To Reduce Your Home Loan Repayments

by Victor Kalinowski | Mar 31, 2020 | Investment Property, Most Popular, Next home, Refinancing

Mortgage Loan Reduction Tips and Tricks for 2025 If you have a mortgage (or two) right now, you may be feeling concerned about how long you are able to continue making loan repayments for and how to cover household bills. After a spate of interest rate rises,...
Home Loan Pre Approvals [When you do and don’t need one]

Home Loan Pre Approvals [When you do and don’t need one]

by Victor Kalinowski | Feb 18, 2020 | First home, Most Popular

To successfully buy a home in the wild 2021 property market, you may just need a Fully Assessed Home Loan Pre Apprroval. Back before time (before Covid) most of the people I helped to get a home loan approved did not need a Fully Assessed Home Loan Pre Approval. How...
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