Learn the truth about credit scores and mortgages! Find out why you don't need a perfect score, how checking your own score won't hurt it, and why other factors matter too. Contact us at Investors Mortgage for personalized advice, no matter your credit score!

Has an unexpected financial setback or hardship resulted in you defaulting on a mortgage?

While this can significantly impact your credit profile, it does not necessarily mean you are permanently barred from refinancing your mortgage. Here at Investors Mortgage, we can definitely help you navigate your unique situation and find a solution that works for you.

Welcoming a new child is an important and exciting milestone! However, to most young families, it also brings financial changes especially when you already have mortgage obligations. Proper planning helps position your family for success. Here are 5 key considerations when adding to your family while on a mortgage

Securing a mortgage is a crucial step in realising your dream of homeownership or becoming a property investor. However, we also recognise that sometimes, despite your best efforts, your bank may decline your mortgage application. In this blog post, we'll explore the common reasons behind mortgage rejections and provide actionable steps to navigate through these challenges.

Choosing a mortgage broker is the first step in what often becomes a long-standing relationship. It's about more than just finding a loan; it's about crafting a financial pathway that will weave through the various stages of your life. A dedicated mortgage broker stays connected, providing ongoing support and advice as your financial circumstances and goals evolve.

Like most homeowners, you're probably eager to pay off your mortgage as quickly as possible. The good news is there are tried and true strategies you can use to chip away at your home loan faster. Whether you want to save tens of thousands in interest or be mortgage-free sooner, these universal mortgage reduction methods can help.

The Rise of Homeownership: In recent years, there has been a notable surge in the number of young Australians taking the plunge into homeownership. This shift challenges the conventional belief that buying a home is a distant dream for those in their 20s. What's driving this trend, and how are salaried Gen Zs making this significant leap?

The Rise of Homeownership: In recent years, there has been a notable surge in the number of young Australians taking the plunge into homeownership. This shift challenges the conventional belief that buying a home is a distant dream for those in their 20s. What's driving this trend, and how are salaried Gen Zs making this significant leap?

Buying a home is one of the most momentous life decisions that could be both exciting and challenging. It could be overwhelming especially for first home buyers who are navigating such a huge financial commitment for the first time. Therefore it is important to be prepared with guidance. Here at Investors Mortgage, we walk you through the process and help you understand each step clearly. Our experience and expertise will transform your confusion into confidence. Here are some tips for you to make a head start on your home purchase journey.

In Australia, credit scores ranging from 500 to 699 are considered average, while 700 and above are categorized as good or excellent. A perfect credit score is 1,000, but only around 3.5% of borrowers achieve this rare feat. A score of 1,000 is akin to a financial unicorn.

When buying a property, your contract outlines crucial finance and settlement dates guiding the transaction process. But what do these two key dates actually mean and what happens on each one? Here we explain the difference simply to provide helpful clarity.

In the blog post, we will explain the ins and outs of refinancing, including the benefits, costs involved and the necessary paperwork to start the refinance process to help you decide if refinancing will benefit your financial wellbeing in the long run.

Utilizing an offset account can dramatically alter the course of your mortgage. By offsetting your savings against your mortgage, you reduce the interest payable, leading to potentially huge savings over the life of your loan.

Some practical tips:

According to the Australian Bureau of Statistics, Australians splurged a whopping $47.5 billion during last year’s Christmas shopping period. That probably made for a lot of blistered credit cards and debt hangovers come February!

One of the key players when it comes to Investing is your purpose. The more you are clear about your requirements to achieve through Investment, will gain you insights for the future, you are to seed today.

Construction loans are a specialized form of financing designed for buyers looking to build their dream homes or undertake property development projects.

Unlike traditional home loans, which are released as a lump sum, construction loans are released in stages, mirroring the progress of your construction project.

Cross-collateralization is when more than one property, usually an owner-occupied property and investment properties, are used as security for a single mortgage. This contrasts with having separate loans and securities for each property.With cross-collateralization, your lender stakes claim to all your pledged assets for any default, not just the property attached to the problem loan.

If you have a variable rate mortgage, you may have heard about using an offset account or redraw facility to help boost your cash flow. But what is the difference and which is better for you? Here at Investors Mortgage, we want to provide clear guidance on making the right choice to benefit your mortgage and finances overall.

This comparison explores the advantages of working with a mortgage broker over dealing directly with banks when securing a home loan. It highlights key factors such as fees, interest rates, product availability, borrowing power, loan structure, financial analysis, property discussions, and communication, demonstrating how mortgage brokers offer a more flexible and customer-centric approach.

An initiative by the government of Australia to help Australians achieve their home loan dreams. The scheme allows Australians to purchase their first home sooner with as low as 5% deposit.