Wondering how to pay off your home loan sooner? We look at some things you that speed up loan repayments and reduce your loan balance.

It was no surprise to see the Reserve Bank decrease interest rates 0.25% at its monthly meeting in August. 

The incentive was provided by the combination of inflation remaining below target, and an Australian dollar remaining stubbornly high. Concerns over a growing potential real estate ‘bubble’ have previously held back the Reserve Bank decreasing rates, however trends in mortgage lending and total lending growth at the time this decision was made were down, alleviating concerns.

For over 10 years the team at Integrity Finance Australia has helped homebuyers finance their dream homes in Melbourne. However, our skilled brokers can do more than just home loans – we’re experienced in securing commercial finance for equipment or property and business loans for capital. 

The Mornington Peninsula is a shire located on the outskirts of Melbourne's outer southern suburbs, between 40 and 80 kilometres south of the Melbourne CBD. With a relaxed lifestyle and beautiful natural attractions it's popular with tourists and locals alike. Keep reading to find out who lives there and get a snapshot of the property market.

Deciding where to go for your home loan is one of the most important decisions you’ll make. While many prospective property owners will choose to use a mainstream lender, non-bank lenders also have their advantages. Read on to find out more.

Want to know who lives in Kingston, properties owned vs rented and the average loan repayment? 

What is negative gearing? You know it’s a buzz word that people use when talking about buying property, but what does it actually mean and how can it apply to you?

Buying your first home is both exciting and nerve-wracking. 

When it comes to financing your first home, preparation and research are key to making the process as smooth as possible. This includes setting a budget, securing your deposit and choosing the loan that best suits your needs.

Interest rates are at record lows, with rates even below 4% available.  This has home owners and investors lining up to refinance their mortgage loans.

If you are in a position to refinance take the time to do it right.  

Read here for our top 5 common mistakes to be aware of and avoid.

Latest statistics from RP Data list Dingley Village as having a population just over 10,000, with 87% of homes owner occupied.  March 2016 marks the 21st anniversary celebration for my family and I as residents of Dingley Village.  The large number of locals who have been here longer than us is testament to this great quality of life, it is indeed a great place to buy a home and raise a family.

It looks like 2015 will go down in history as the end of this property price boom in Melbourne and Sydney.  

This does not mean the often media hyped impending doom / property crash is upon us!  Though I am sure we will continue to see occasional headlines in the tabloid media to that effect.  What it does mean is that the unsustainably high capital growth we have been seeing, particularly in Sydney, is at an end.

Buying your dream home is one of the biggest and most exciting purchases you are ever likely to make.  What a great Christmas present to yourself and your family!  The credit card will not stretch that far though.

Saving the required deposit can be the most difficult obstacle to overcome, preventing many people from achieving their dreams.  So what can you do?  You need to budget!

Major changes in the banking market have occurred since July, with competition heating up so much some are calling it a war – great for home owners!  Most banks have been adjusting rates up and down since that time (despite no move in cash rates from the Reserve Bank).  Are you paying too much to your bank?  How does 3.99% sound?

Almost everyone wants to be able to buy a home sooner rather than later, however saving the expected 20% deposit is far easier said than done.  Let's face it - with Melbourne’s median dwelling price now $563,000, saving a deposit of $112,600 plus purchase costs is no easy task, and would take strong discipline and many years!