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Difference between comparison rate and interest rate

You've probably seen lenders advertise an interest rate vs. comparison rate if you're looking for a home loan. If that's the case, you're probably wondering what comparison rates are and whether there's a difference between an interest rate and a comparison rate. Visit here to find out more!



Buying a House in Brisbane Queensland

Have you decided to buy a house in Brisbane? Brisbane is Australia's third most populous city and the seventh safest city in the world, thanks in part to its lower-than-average crime rates.


North Brisbane Home Loans understands that purchasing your first home is one of the most important decisions you'll make, which is why we take our role as first home mortgage brokers so seriously. 


Contact our professional team of first home mortgage brokers in Brisbane, QLD today for financial advice on buying a house or more information about our first home buying guide.


Can I use my super to buy a house

If you meet certain criteria, you can use your superannuation to purchase a home. If you are a first-time home buyer, a property investor, a retiree, or over the age of 65, you can use your super to purchase a home in Australia. Contact the mortgage experts at North Brisbane Home Loans for more information.


Making an offer on a house in Queensland

It can be difficult to make an offer on your dream house. There's paperwork and finances to organise, negotiations to keep track of, and what to do once your offer has been accepted.


Contact North Brisbane Home Loans today for the best financial advice to ensure you're ready to make an offer on your dream home. We'll work with you to find the best home loan deal possible!


Top Reasons for Home Loan Declined

Banks may decline your home loan application if certain key factors are missing. North Brisbane Home Loans brokers can help you get a home loan approved. However, you should be aware that in order for banks to grant you a loan, the following factors will be considered in order to determine whether you are a good borrower.


First Home Owners Grant Brisbane 2022

Do you want to find out more about the Brisbane First Home Owners Grant? This year, the Queensland government is doubling the amount of grants given out to help Queenslanders own their own home. The Grant was worth $7,000 when it began on July 1, 2000. It was raised to a high of $21,000 before settling at $15,000. This figure is set to remain and is unlikely to change in the near future.


A broker can assist you if you are looking for a new home and want to take advantage of the First Home Owners Grant Brisbane. Our Brisbane mortgage brokers are here to assist you.


Things to consider before locking interest rate

A mortgage rate lock is an offer made by a lender to protect you from rising interest rates for a specified period of time. The lock guarantees that your interest rate will not change for the specified period of time, such as three or five years. If you intend to obtain or refinance a mortgage with a fixed monthly payment, a mortgage rate lock could ensure you protect the rate prior to settlement. Here are a few things to consider before locking in a new interest rate.


How to Calculate Borrowing Capacity When Refinancing Home Loan

If you already have a mortgage and want to access more funds, refinancing is an option. The first question you'll probably have is who you can borrow from and how much you can borrow when refinancing your home loan. Knowing your borrowing capacity is critical for determining how much equity you can access when refinancing. 


So, when refinancing, how do you calculate your borrowing power? Continue reading to find out more.


Housing Market Brisbane - Important Things To Know About

Curious to know about what will the Brisbane property market be like in 2022 year? When considering a home loan in Brisbane, you should be aware of four key things that will ultimately affect the housing market. Continue reading to learn four important facts about Brisbane's housing market in 2022.


Contact the North Brisbane Home Loans today for a home loan assessment based on your property goals and financial situation.


No Doc Loans for Self Employed

Family and friends frequently advise self-employed borrowers that obtaining a home loan can be a difficult process. However, If you are self-employed and looking for the best home loan option, low doc or no doc home loans are the best mortgage option because they require less documentation than a traditional home loan.


Contact the North Brisbane Home Loans team today to speak with one of our experienced self employed mortgage brokers in Brisbane about no doc or low doc home loans.


Can I Use My Super to Buy a House

You might be wondering if your retirement funds can be used to purchase a home. If you are a first-time home buyer, property investor, retiree, or over 65 and have a superannuation account – whether with a traditional super fund or a self-managed super fund – you can use your superannuation account to buy a house (SMSF). A reputable Brisbane mortgage broker can provide you with the necessary information if you want to use your superannuation.


Please contact us if you'd like to speak with one of our mortgage experts at North Brisbane Home Loans. We'd be delighted to assist!


How to renegotiate house price after inspection

So, you've received a building inspection report? If a house inspection reveals some faults, you can still renegotiate the price of the house after the inspection. But how do you renegotiate for a house price after a building inspection? North Brisbane Home Loans, as a professional mortgage broker who has successfully assisted hundreds of buyers in purchasing a home, has discovered that the best tips are critical in the renegotiation process. You'll have your finance ready to go for the right property with the help of a professional mortgage broker.


North Brisbane Home Loans can assist you in obtaining pre-approval for financing, allowing you to confidently make offers and, if necessary, negotiate price reductions. Contact the team right away.


Family Home Guarantee Scheme Single Parents

Purchasing a home can be a stressful process, especially for single-parents who may be unable to secure the required 20% down payment for a home loan. However, there is good news for single-parent families in Australia: they can take advantage of the Family Home Guarantee Scheme. Visit the North Brisbane Home Loans website or book a free chat now to learn more about the benefits of FHGS and the eligibility criteria.


What is the average cost to refinance a home loan

Refinancing your home loan can lower your interest rate, but how much does it cost to refinance a home loan? There are lots of things involved in home refinancing process which includes mortgage application fee, property valuation fee, discharge fee, break cost, settlement fee, mortgage registration fees, exit fees, and time and effort.


According to the ACCC (Australian Competition and Consumer Commission), the average borrower could save $17,000 in interest simply by refinancing their home loans. The costs of refinancing a home loan can be straightforward, particularly if you work with a reputable mortgage broker.


What is a Guarantor Home Loan

Lenders will offer guarantor loans if they have concerns about a borrower's ability to repay a mortgage or if the borrower lacks the funds for a deposit. The most common home loan guarantor arrangements are Security Guarantee, Family Guarantee, and Limited Guarantee. North Brisbane Home Loans is happy to answer any questions you may have about Brisbane mortgages and property ownership. To learn more about your options, please contact us today.


A Guide to Buying Your First Home

Purchasing your first home is an exciting moment, but it can also be difficult if you don't know where to begin. It is critical to get the right advice from the start. That's why we've compiled this comprehensive first-time home buyer's guide to assist you in navigating this important step. This comprehensive guide will tell you everything you need to know.