All Posts

A home loan isn’t something you set and forget. As life changes, your loan should be reviewed to make sure it still supports where you’re heading, not where you’ve been. Many people only look at their loan when interest rates change, but some of the most important reasons to review your mortgage have nothing to do with rates at all. Here are some common lifestyle changes that should prompt a closer look at your home loan. Changing Jobs or Income Whether you’ve changed employe

Applying for a home loan can feel straightforward on the surface, but there are a number of common issues that can slow things down or cause unnecessary stress along the way. The good news is that many delays are avoidable with the right preparation and guidance. Here are some of the most common factors that can hold up a home loan approval, and what you can do to stay ahead of them. Incomplete or Inconsistent Information One of the biggest causes of delays is missing or inco

Buying a property - whether it’s your first home or an investment - isn’t something you do alone. There are a few key people who play an important role in the process, and knowing who to call and when  can make everything run far more smoothly. Here’s a simple guide to who you need on your team, and when to involve them. 1. Your Mortgage Broker Your broker is usually the first person to talk to.They’ll help you understand your borrowing power, explain the different loan optio

Negotiating a property price can feel daunting, however when handled with tact and preparation, it can make all the difference between missing out and securing the right deal. Here are some simple ways to approach negotiation with confidence and professionalism. Tip 1: Never Enter a Negotiation Empty-Handed Knowledge is your best leverage.Before making an offer, gather as much information as possible - from building and pest reports  to quotes from tradespeople  if repairs ar

Buying your first home is exciting, but it can also feel overwhelming, especially when you're not sure what to expect. At Nest Mortgage Solutions, we guide first home buyers through this process every day. Here's a simple breakdown of the key steps involved, so you can move forward with clarity and confidence. Step 1: Work Out What You Can Afford Before you start browsing real estate websites, it's important to get a clear idea of your borrowing power and what kind of deposit

At Nest Mortgage Solutions, we’ve always believed in the value of personalised, client-first service - and it turns out more Australians are seeing the benefit too. According to the latest data from the Mortgage & Finance Association of Australia (MFAA), mortgage brokers now write a record 77.6% of all new residential home loans . That’s the highest broker market share ever recorded, and it reflects a growing trend that’s been building for over a decade. So why are more peopl

Buying your first home is exciting, but it can also feel overwhelming, especially when you're not sure what to expect. At Nest Mortgage Solutions, we guide first home buyers through this process every day. Here's a simple breakdown of the key steps involved, so you can move forward with clarity and confidence. Step 1: Work Out What You Can Afford Before you start browsing real estate websites, it's important to get a clear idea of your borrowing power and what kind of deposit

If you’re thinking about buying a home, your credit score  might be more important than you realise, especially if you’re using Buy Now Pay Later (BNPL)  services like Afterpay or Zip Pay. Many first home buyers aren’t aware that these services may show up on their credit file. While they can feel like harmless short-term tools, regular BNPL usage may affect your ability to get a home loan. So, what is a credit score? Your credit score is a number that reflects how well you’v

The Federal Government's Home Guarantee Scheme  has officially changed, and while the updates are geared toward first home buyers, it’s a...

With the RBA rate drops and the expansion of the Home Guarantee Scheme, the property market is starting to see renewed activity. On the...

If you’re a first home buyer, some important national changes have just come into effect, and they could make it easier to get into the...