We know many of our clients and community — like us — are looking forward to one of the biggest sporting events of the year. To give way to the excitement, we’ve moved our PSF Propertunity: Debt, Deposits & Decisions event to a new date: 🗓 Wednesday, 16 July 2025 🕡 6:30 PM (Sydney time) … Continue reading PSF Propertunity Now on 16 July: Debt, Deposits & Decisions — Here’s What to Expect
Should I Refinance My Home Loan in 2025? Here’s What to Consider With cost-of-living pressures and changing rates, many Australian homeowners are wondering: “Is now a good time to refinance?” In many cases, the answer is yes—but it depends on your situation. At Premium Select Finance, we assess your goals first, then run a full … Continue reading Should I Refinance My Home Loan in 2025? Here’s What to Consider
5 Common Mortgage Mistakes Australians Make (and How to Avoid Them) At Premium Select Finance, we’ve helped hundreds of clients across Australia avoid costly errors when applying for or reviewing their mortgage. Here are the 5 biggest mistakes we see: Only on the interest rate: A low rate looks appealing—but fees, structure, and features matter … Continue reading 5 Common Mortgage Mistakes Australians Make (and How to Avoid Them)
What Does a Mortgage Broker Do (and Why It Can Save You Thousands)? Buying a home is one of the biggest financial decisions you’ll ever make. But navigating the maze of loan options, interest rates, and lender jargon? That’s where many Australians get stuck. That’s where a mortgage broker steps in. At Premium Select Finance, … Continue reading What Does a Mortgage Broker Do (and Why It Can Save You Thousands)?
Insurance for something you can’t see or touch, such as your income, may seem strange, but how would you pay your mortgage if you were unable to work? When considering insurance, it’s common for people to pass it off as a pesky added fee involved in owning a car, running a business, or protecting a … Continue reading Income protection insurance
Soldier on and talk to a broker Despite owning a growing business and supplementing his income with a pension from the Australian Defence Forces, former soldier Jake Briggs was told by his bank that he could not secure finance to purchase a home. Somehow, he was able to get our contact from a friend of … Continue reading Banks Said No?
When taking the plunge into the world of home loans and property investment, the challenge often lies in knowing which expert to approach for help. Brokers and financial planners, although similar in their professional outlook, cater to different financial endeavours. Brokers that deal in home loans must be qualified and licensed loan advisers with in-depth … Continue reading Do you need a finance broker or a financial planner?
Offset accounts and redraw facilities work in similar ways. They both allow you to reduce the balance of your home loan, and therefore the interest charged, by applying extra money to your debt. Redraw facilities allow you to deposit spare income into your home loan account, allowing you to redraw a sum equal to the … Continue reading How redraw and offset accounts can save you money
Stamp duty is revenue levied by states on transactions relating to the transfer of land or property. It is paid upfront and needs to be budgeted for, in addition to your loan deposit. The amount of stamp duty you are required to pay differs in each state, however there are three universal factors, along with … Continue reading Stamp Duty
The mortgage industry is a wide, wondrous world with a language all of its own. One of the many acronyms bandied about is ‘LVR’, which stands for ‘Loan to Value Ratio’. Here’s what it means. When you are working out what amount you can borrow to purchase a property, the size of deposit you need … Continue reading What is a LVR?
