MORTGAGE GUIDES
Mortgage and Finance Guide
Get the latest mortgage and finance information. Our mortgage and finance blog covers everything from buying your first home, property investment, and refinancing to small business finance
The Australian Government 5% Deposit Scheme: Your Fast-Track to Homeownership (No, Really!)
To the women forging their paths and shaping their destinies, this chapter is dedicated to you. Here, we celebrate three remarkable stories of female empowerment and home ownership—proof that a true Happily ever after can be built on independence and financial freedom. Let’s raise a glass to honour the resilience and strength of these women who have turned their home ownership dreams into reality.
Happily Ever After
To the women forging their paths and shaping their destinies, this chapter is dedicated to you. Here, we celebrate three remarkable stories of female empowerment and home ownership—proof that a true Happily ever after can be built on independence and financial freedom. Let’s raise a glass to honour the resilience and strength of these women who have turned their home ownership dreams into reality.
Tips and Tricks for Your Mortgage
In this chapter, we continue our journey of navigating the complex landscape of home financing with greater clarity and confidence. By exploring practical mortgage tips and tricks, you’ll gain the insights needed to understand the nuances of mortgages and feel empowered to make informed decisions about one of the most significant investments of your life.
Preparing to Partner With a New Bank
Preparing to partner with a new bank, whether for a property purchase or refinancing, means ensuring your documentation and information are organised for the loan application process. Being ‘document-ready’ ahead of time can save you both effort and stress down the line.
A Guide to Purchasing and Refinancing
Embarking on the journey to purchasing and refinancing a property can be both exhilarating and daunting. From arranging finances to celebrating the moment you receive the keys to your new home, each step plays a pivotal role in realising your dream of homeownership.
Demystifying the World of Mortgages
The world of mortgages is unfamiliar territory for many people, and has enough jargon to fill volumes. The technical language can be overwhelming, but fear not! Understanding mortgage jargon is not only achievable, but essential for making informed decisions about one of life’s most significant financial commitments … buying a home.
Financial Foundations
As you navigate the intricate landscape of mortgages, doubts and uncertainties may naturally surface. Yet hidden within these challenges lies the opportunity to strengthen your financial foundations and unlock a sense of growth and empowerment.
It’s Time to Rewrite Your Financial Story
For many women, myself included, the notion that men are the designated caretakers of finances within relationships and families was deeply ingrained from a young age. We observed our fathers, our friends’ fathers, and the media all perpetuating this societal norm.
Unlocking the First Home Super Saver (FHSS) Scheme: What Every First-Time Buyer Needs to Know
Use the First Home Super Saver (FHSS) Scheme to grow your deposit faster through your super. Learn how it works, check your eligibility, and see how it can help you buy your first home sooner.
The Night That Changed Everything: Launching a Movement, Not Just a Book
The book launch of Why You Should Date Your Bank, Not Marry Them! turned into something bigger. In this blog, I share how that night started real talks about money, confidence, and helping others feel more in control.
Steps That May Support a Quicker Pre-Approval Process if You’re Self-Employed
Discover practical steps that may support a quicker pre-approval process if you’re self-employed. Learn how to prepare your financial documents and reduce delays in securing your home loan.
What Documents Are Needed to Refinance Home Loan in Melbourne?
Find out the essential documents required to refinance your home loan in Melbourne. Simplify the process with our comprehensive guide.
The Importance of a Good Credit Score in Finance for Investment Property
Find out why a good credit score is crucial for securing financing for investment properties. Learn strategies to improve your creditworthiness and succeed in real estate investments.
When Is the Right Time to Consider a Debt Consolidation Mortgage?
Find out when Australians should consider a debt consolidation mortgage to manage debts effectively and achieve financial independence. Learn about the benefits, risks, and timing.
Buying Property with an Self-Managed Super Fund: What You Need to Know
Thinking about buying property with your Self-Managed Super Fund? Learn the rules, benefits, and risks of SMSF property investment, including loan requirements, tax advantages, and compliance essentials.
Rentvesting: a Smarter Way to Enter the Property Market
Get on the property ladder faster with rentvesting! Buy in an affordable area, rent where you love, and use rental income to build wealth over time.
‘Must-Know’ Home Loan Tips Before Signing on the Dotted Line
Find out the essential home loan tips for Australians, including mortgage advice, refinancing, and choosing the right broker for your needs.
Average Fixed Rate Mortgage Trends Over Time in Australia
Find out how Australia’s average fixed rate mortgage has changed over the years, with insights for homebuyers and refinancing options.
Australian Property Market Trends, Forecasts, and Opportunities
Learn more about Australian property market trends for 2025. Get insights on housing forecasts, market opportunities, and mortgage strategies.
Buying a House for the First Time in Australia: A Guide to the Government’s First Home Buyer Home Guarantee Scheme
Learn more about our comprehensive state-by-state guide on Australia’s First Home Owner Grant (FHOG) for those buying a house for the first time.
The Price of Tradition: Why It’s Time to Share the Financial Load
In a world striving for gender equality, it’s time to challenge the outdated notion that men should manage family finances alone. This article explores how to share the financial load, empowering both partners to make confident, informed decisions for a stronger, more equitable family future.
The Loyalty Illusion: Is Your Bank Really Looking Out for You?
The loyalty illusion in banking could be costing you more than you think. While new customers get competitive rates, loyal clients often overpay. Learn why staying with the same bank doesn’t always pay and how to take control of your financial future.
How to Compare Mortgage Interest Rates
Learn effective strategies to compare mortgage interest rates in Australia and choose the right loan for your financial independence.
Considerations Before Signing a Melbourne Home Loan Agreement
Find out the crucial factors to consider before signing a Melbourne home loan agreement. Ensure financial independence with informed decisions.
Common Mistakes to Avoid When Applying for an Investment Loan
Learn about common mistakes to avoid when applying for an investment loan in Australia. Ensure financial success with mortgage broker advice.
How to Qualify for a Mortgage Loan for Investment Property
Learn the essential steps to qualify for a mortgage loan for investment property. Tips for financial independence through smart property investments.
Reasons to Consider Refinancing Your Mortgages
Check out why refinancing your mortgages in Australia can lead to financial savings and stability.
A Beginner’s Guide to Investment Property Financing in Australia
Find out the basics of investment property financing in Australia. Learn about loans, deposit requirements, and government incentives.
How a Principal and Interest Calculator May Be Able To Help You
Learn how a principal and interest calculator can assist Australians in managing mortgages and achieving financial independence.
Tips That May Help Securing Competitive Home Equity Loan Interest Rates
Discover proven strategies to secure competitive home equity loan interest rates. Learn about influencing factors and expert tips to get the best rates available.
Understanding the Criteria for Home Mortgage Pre Approval
Find out the essential criteria for home mortgage pre approval, including credit score, income verification, and debt-to-income ratio.
What is Comparison Rate and How Does It Work?
Define comparison rate and understand how it affects your mortgage. Learn how it works, its benefits, and how to choose the best home loan.
The Features You Should Look for in a Mortgage Advantage Package
Find out the top features of mortgage advantage packages in Australia, including interest rate discounts, fee waivers, and offset accounts. Tailored for home buyers and investors.
What You Need to Know About Current House Mortgage Rates in Australia
Find out about current house mortgage rates in Australia. Learn about fixed vs variable rates, refinancing options, and how to get a good deal.
Understanding Stamp Duty Rates in Different Australian States and Territories
Find out the stamp duty rates across Australia. Discover ways to save on stamp duty and secure a mortgage with expert advice.
Why You Need Professional Mortgage Advice Before Applying For a Home Loan
Learn why professional mortgage advice is critical before applying for a home loan in Australia. Get guidance from a mortgage broker to avoid costly mistakes.
How Much Can I Borrow? A Guide to Using a Mortgage Calculator
Find out how much you can borrow for a home loan using a mortgage calculator. Learn what factors impact your borrowing power and how to boost it.
The Benefits and Risks of an Interest Only Mortgage in Australia
Understand the benefits and risks of interest-only mortgages in Australia. Make informed decisions about your home loan and secure your financial future.
What You Need to Know Before You Apply for Mortgage Loan?
Learn the essential steps to apply for a mortgage loan in Australia. Get tips on eligibility criteria, required documents, and how to secure loan options.
Understanding the Factors Behind the Average Mortgage Interest Rate in Australia
When you’re looking to buy a home or refinance, one of the first things you’ll notice is the interest rate […]
15 Tips That May Help You Improve Your Home Loan Approval Chances
Learn proven strategies to improve your home loan approval chances. Discover what lenders look for and position yourself for success in the application process.
Reducing mortgage process overwhelm – The Brava Finance Way
Reducing mortgage process overwhelm: Discover ‘The Brava Finance Way’ – a streamlined approach to property buying and refinancing. Learn how […]
How to Avoid Lenders Mortgage Insurance (LMI)
In this blog, we explore strategies for Avoiding Lenders Mortgage Insurance to potentially reduce your overall mortgage costs. Lenders Mortgage […]
6 Ways That May Help You Pay Off Your Mortgage Early
This blog post aims to provide comprehensive guidance assisting you in preparing a robust application for a pre-approved home loan.
What’s a Pre-approval Home Loan and Why Does it Matter?
This blog post aims to provide comprehensive guidance assisting you in preparing a robust application for a pre-approved home loan.
29 Simplified Mortgage Terms Explained
Obtaining a mortgage is a significant financial commitment that comes with a host of specialized terminologies. As a prospective homeowner, understanding mortgage
Top 5 Tips For a Successful Mortgage Application
Securing a mortgage is a significant milestone in the journey to homeownership. Whether you’re a first-time buyer or a seasoned
Redraw vs Offset Account Comparison for Your Home Loan
The key differences between an Offset Account and a Redraw Facility to help you determine which one aligns better with your financial goals.
What Is a Mortgage Broker and How Can They Help You?
Buying a home is a big step in anyone’s life, but it can sometimes be difficult to find a loan that suits your best interests. There is a lot to
Your Empowering Guide to Refinancing a Mortgage
Refinancing may appear scary at first, but it may provide many benefits for homeowners trying to better manage their changing financial situation.
8 Benefits of using a Mortgage Broker
In this article, we’ll explore the various benefits of using a mortgage broker and how they can make your home-buying journey smoother and less
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