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Know someone who needs help with their home loan? Refer a friend or family member to Simple Easy Finance and our expert team will take great care of them. Refer a Friend or Family Member Most of our clients are referred by people we’ve helped before, and we truly appreciate the trust you place in our team. If you know a friend, family member, or colleague who could benefit from expert home loan advice, simply share their details below. A quick heads-up to let them know you’ve referred them is always appreciated. Friend’s Name* Mobile Number* What they need help with? Your Full Name * Submit Who Were You Thinking Of Referring? Other Ways to Refer Tell them to send us an enquiry available here . Tell them to give us a call on 1300 103 998 . Share their name and mobile with your broker. Every Referral Enters You Into Our Quarterly Reward Program Reward Program ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Our team of mortgage experts is ready to help you with the next steps of your home loan journey. The team will review options from 40+ lenders and feel confident you are making the best decision. Work with Simple Easy Finance for hassle free home loan experience. WE'D LOVE TO HELP YOU WITH YOUR HOME LOAN Book a 20-minute call with our mortgage expert to review your numbers and find the best home loan for you. Our service is obligation-free, and we do not charge any fees. Access to 40+ Lenders We help you find the most suitable home loan options tailored to your unique circumstances from our network of over 40 lenders. Clarity and Confidence We provide clear, easy-to-understand comparisons so you can make informed decisions with confidence. Support Every Step of the Way We guide you through the entire process, making your home loan journey simple and stress-free. What Are You Looking to Do? Select an option below to schedule a meeting Buy a Property Refinance My Home Loan Debt Consolidation/ Cash Out ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Discover the 9 essential steps for buying your home, from initial property search to attending auctions. Get expert guidance to navigate the home buying process successfully. 9 Essential Steps to Buying Your First Home in Australia Buying your first home is one of the biggest financial decisions you’ll ever make. To help first home buyers feel confident and prepared, we’ve created a simple, step-by-step guide covering everything from home loan pre-approval to settlement day. Speak to a Home Loan Expert 5.0 ( 400+ Google Reviews ) First Home Buyer Guide 1. Get Your Home Loan Pre-Approval The first step for any first home buyer is understanding your borrowing capacity and securing home loan pre-approval. Speak with a mortgage broker to help you compare lenders, explain variable vs fixed rates, and ensure you’re eligible for first home buyer schemes and stamp duty concessions. Pre-approval shows sellers you’re a serious buyer and helps you avoid finance delays later. 2. Start Your Property Search Begin browsing on Domain or Realestate.com.au to compare sale prices, research suburbs, and shortlist properties. First home buyers often start with a dream suburb — but if prices are too high, consider neighbouring areas to find better value. Use filters to refine your search by price, property type, land size, school zones, and commute times. 3. Attend Property Inspections (First Home Buyer Checklist) Inspections are essential when buying your first home. Use the inspection planner on real estate apps to track open homes without rushing. When inspecting a property, check: Overall condition Layout and natural light water damage or cracks surrounding noise levels local amenities (schools, shops, transport, childcare, parks) Taking your time will help you avoid costly surprises later. 4. Request the Contract of Sale When you find a property you like, request the Contract of Sale and send it to your conveyancer or solicitor for review. This is especially important for first home buyers, as the contract outlines key details such as inclusions, settlement terms, and special conditions. Only request contract reviews for homes you are seriously considering to avoid unnecessary fees. 5. Order Building, Pest or Strata Reports Before buying, it’s essential to check the property’s condition. For houses: organise a building and pest inspection (from $500) For units/apartments: request a strata report (around $300), which outlines levies, maintenance, insurance and upcoming works Also check insurance quotes to see if the property is in a flood zone or bushfire-prone area — a common concern for first home buyers. 6. Research Market Value Before Making an Offer Before making an offer, research recent sale prices for similar homes in the area. We can provide RP Data property reports, suburb trends, and market insights to help first home buyers understand whether a property is priced realistically. This step helps prevent overpaying and boosts confidence during negotiations. \ 7. Understand Private Treaty vs Auction Many first home buyers are unsure whether to buy via private treaty or auction. Private Treaty Sale: You make an offer and negotiate Often includes a cooling-off period Allows time for valuation and formal loan approval (varies by state) Auction: No cooling-off period A 10% deposit is required immediately if you win. You must have home loan pre-approval and a clear budget before bidding Your mortgage broker can help you prepare by estimating your maximum bidding limit. 8. Contract Exchange & Paying the Deposit Once both parties sign, the contract is exchanged, making it legally binding. You’ll pay your agreed deposit, which stays in the agent’s trust account until settlement. Send the signed contract to your mortgage broker and conveyancer so they can organise loan documents, valuation, and settlement preparation. 9. Settlement – Becoming a Homeowner Settlement is the final step where you pay the balance of the purchase and officially become the legal owner of your first home. Your conveyancer and mortgage broker will coordinate the transfer of funds, settlement booking, and loan drawdown. Once settlement is complete, you’ll receive the keys to your new home — congratulations! Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Facebook X (Twitter) WhatsApp Copy link More Resources for First Home Buyers Learn About the Australian Government’s 5% Deposit Scheme for First Home Buyers Read More 8 Auction Bidding Tips to Help You Buy Your Home Successfully Read More Why You Need Home Loan Pre-Approval Before You Buy – Your Questions Answered Read More How Guarantor Home Loans Work When Buying a Property With No Deposit (100% Borrowing) Read More We're Here To Support You Through The Entire Home Buying Journey. Speak to a Home Loan Expert Make an E nquiry Send us an enquiry or call 1300 103 998. Our team will get back to you within 30 minutes during business hours — and our service is completely free. Get a Pre-approval We’ll review your situation, help you understand your borrowing power, and organise your home loan pre-approval. We’ll also check your eligibility for Australian Government first home buyer grants to help you get into the property market sooner. House Hunt Once you're pre-approved, you can confidently start house hunting. We can also introduce you to trusted conveyancers and buyers agents to help guide you through every stage of your home-buying journey. Settlement Once you sign the contract, our team will manage the loan settlement with the bank, ensuring a smooth transition to becoming a homeowner. Our service doesn’t stop here — we’ll check in with you every six months to make sure everything is going smoothly.

Refer your friends or family and go in the chance to win 3 x $500 gift vouchers! Plus, earn bonus points for leaving Google reviews. Start referring today and enjoy the rewards! Join Our Rewards Program Win 3 x $500 Every Quarter! How It Works Earn entries into our quarterly draw for a chance to win 3X $500. There are two ways to earn entries: Earn entries for every new referral We hope your experience with us was excellent! Recommend us to friends and family, and for each referral we speak to, you automatically earn entries into the draw. Refer a Friend Google Review Bonus Leave us a review on Google for an extra draw entry! Entries credited only for clients we've worked with. Leave a Review Best Way to Refer Your Friends and Family Tell them to send us an enquiry available here . Tell them to give us a call on 1300 103 998 . Share their name and mobile with your broker. Rewards Program FAQs What are the key dates for the quarterly reward draw? • 1 Feb 2025 - 30th April 2025 • 1 May 2025 - 31 July 2025 • 1 August 2025 - 31 October 2025 • 1 Nov 2025 - 31 Jan 2026 • 1 Feb 2026- 30th April 2026 • 1 May 2026 - 31 July 2026 • 1 August 2026 - 31 October 2026 • 1 Nov 2026 - 31 Jan 2027 Draw Details: • The draw occurs one week after each quarter ends. • Winners will be notified via email and a call. How will I be notified if I win an reward? You will be notified via an email and a call. How can I confirm my entry into the draw? An email will be sent at the beginning of each month confirming your entry if we've spoken to your referral from the prior month. What should I do if I haven't received a notification email despite knowing my referral has been contacted? Feel free to reach out to us through email or SMS your broker. In some situations, we may face challenges in identifying the referral source if the contact fails to provide your full name or contact details. What qualifies as a valid referral? A valid referral is someone whom we haven't previously engaged with, and who genuinely has a home loan enquiry. What is the recommended way to refer someone? • Encourage your contacts to submit an online enquiry. • Ensure they include your full name in the referral field for proper identification. Will i receive multiple entries if i refer someone and provide a google review Yes, absolutely! You will receive one entry for your referral and one entry for your review. ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Simple Easy Finance are professional mortgage brokers that specialise in helping first home buyers and property investors find the right home loan and structure for their situation. Privacy Policy Respecting your privacy We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Simple Easy Finance Pty Ltd. This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information. What personal information do we collect and hold? The types of information that we collect and hold about you could include: ID information such as your name, postal or email address, telephone numbers, and date of birth; other contact details such as social media handles; financial details such as your tax file number; and other information we think is necessary. When the law authorises or requires us to collect information? We may collect information about you because we are required or authorised by law to collect it. There are laws which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law. What do we collect via your website activity If you’re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you. If you start but don’t submit an on-line application, we can contact you using any of the contact details you’ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed. We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum. To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure. How do we collect your personal information? How we collect and hold your information Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date. There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details[1] . How we collect your information from other sources Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where: we collect information from third parties about the loan or lease made available to you arising out of the services we provide you; we can’t get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties) to update your contact details; or we exchange information with your legal or financial advisers or other representatives. What if you don’t want to provide us with your personal information? If you don’t provide your information to us, it may not be possible: for us to give you the credit assistance you seek from us; to assist in finding a loan or lease relevant to your circumstances; verify your identity or protect against fraud; or to let you know about other products or services that might be suitable for your financial needs. How we collect and hold your credit information We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are: your co-loan applicants or co-borrowers; your guarantors/proposed guarantors; your employer, accountant, real estate agent or other referees; your agents and other representatives like the person who referred your business to us, your solicitors, conveyancers and settlement agents; organisations that help us to process credit applications; organisations that check the security you are offering such as valuers; bodies that issue identification documents to help us check your identity; and our service providers involved in helping us to process any application you make for credit through us. What do we do when we get information we didn’t ask for? Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited information’). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll ensure we do the right thing and destroy or de-identify it. When will we notify you that we have received your information? When we receive personal information from you directly, we’ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint. Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection. How do we take care of your personal information? We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are: document storage security policies; security measures for access to our systems; and only giving access to personal information to a person who is verified to be able to receive that information We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information. What happens when we no longer need your information? We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified. How we use your personal information? What are the main reasons we collect, hold and use your information? Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to: give you credit assistance; give you information about loan products or related services including help, guidance and advice; consider whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer; assist you to prepare an application for a lease or a loan; administer services we provide, for example, to answer requests or deal with complaints; and administer payments we receive, or any payments we make, relating to your loan or lease. Can we use your information for marketing our products and services? We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you. We will always let you know that you can opt out from receiving marketing offers. With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organisation. Yes, You Can Opt-Out You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable. What are the other ways we use your information? We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including: telling you about other products or services we make available and that may be of interest to you, unless you tell us not to; identifying opportunities to improve our service to you and improving our service to you; allowing us to run our business efficiently and perform general administrative tasks; preventing any fraud or crime or any suspected fraud or crime; as required by law, regulation or codes binding us; and any purpose to which you have consented. Who do we share your personal information with? To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information. Sharing Your Information We may use and share your information with other organisations for any purpose described above. Sharing with your representatives and referees We may share your information with: your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and your referees, like your employer, to confirm details about you. Sharing with third parties We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include: the Broker Group through whom we may submit loan or lease applications to lenders or lessors on the Broker Group’s panel. You can view our Broker Group’s privacy notice at http://www.planaustralia.com.au/privacy-policy . It sets out how that Broker Group manages your personal information and where you can find its privacy policy; the Licensee, BLSSA Pty Ltd, that authorises us to engage in credit activities. You can view BLSSA’s privacy notice at the same internet address as our Broker Group’s privacy notice. It sets out how BLSSA manages your personal information and where you can find its privacy policy; referrers that referred your business to us; financial services suppliers with whom we have arrangements; valuers; lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries; organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct; government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities; guarantors and prospective guarantors of your loan or lease; service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information; any organisation that wishes to take an interest in our business or assets; and any third party to which you consent to us sharing your information. Sharing outside of Australia We may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are: India and Philippines We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed. Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure. Where we transfer your information from the EEA’ to a recipient outside the EEA we will ensure that an adequate level of protection is in place to protect your personal information such as putting in place contractual protections to ensure the security of your information . How do you access your personal information? We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone. We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first. We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when: we believe there is a threat to life or public safety; there is an unreasonable impact on other individuals; the request is frivolous; the information wouldn’t be ordinarily accessible because of legal proceedings; it would prejudice negotiations with you; it would be unlawful; it would jeopardise taking action against serious misconduct by you; it would be likely to harm the activities of an enforcement body (e.g. the police); or it would harm the confidentiality of our commercial information. If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’. How do you correct your personal information? Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s: inaccurate; out‑of‑date; incomplete; irrelevant; or misleading. If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can - if we can’t, then we’ll let you know in writing. What additional things do we have to do to correct your credit information? If you ask us to correct credit information, we will help you with this in the following way. Helping you manage corrections Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake. Where we correct information If we’re able to correct the information, we’ll let you know within five business days of deciding to do this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can’t do this, then we’ll let you know in writing. Where we can’t correct information If we’re unable to correct your information, we’ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner. Time frame for correcting information If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you. If we can’t make corrections within a 30 day time frame or the agreed time frame, we must: let you know about the delay, the reasons for it and when we expect to resolve the matter; ask you to agree in writing to give us more time; and let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. How do you make a complaint? If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us. You can contact us by using the details below: mail@simpleeasyfinance.com.au We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days. Need more help? If you still feel your issue hasn't been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner: Online: www.oaic.gov.au/privacy Phone: 1300 363 992 Email: enquiries@oaic.gov.au Fax: +61 2 9284 9666 Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601 What additional things do we have to do to manage your complaints about credit information? If your complaint relates to how we handled your access and correction requests You may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it first. For all other complaints relating to credit information If you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days. Ask for more time if we can’t fix things in 30 days If we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. Letting you know about our decision We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. Contact Us We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback. You can contact us by using the details below: mail@simpleeasyfinance.com.au What if you want to interact with us anonymously or use a pseudonym? If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when: it is impracticable; or we are required or authorised by law or a court/tribunal order to deal with you personally. What do we do with government-related identifiers? In certain circumstances we may be required to collect government-related identifiers such as your tax file number. We will not use or disclose this information unless we are authorised by law. Changes to this Privacy Policy This Policy may change. We will let you know of any changes to this Policy by posting a notification on our website. [1] However we’ll never ask you for your security details in this way – if you are ever unsure, just contact us

Discover the pros and cons of offset accounts versus redraw facilities to decide which is best for managing your mortgage. Offset vs Redraw: What’s the Difference and Which Home Loan Feature Is Better? When comparing home loans in Australia, one of the most common questions borrowers ask is: “What’s the difference between an offset account and a redraw facility?” Both features can help reduce the interest you pay on your mortgage and potentially save you thousands over the life of your loan. However, each works differently and offers unique benefits depending on your financial habits, goals, and property strategy. Below is a clear breakdown to help you understand how each feature works and which option may suit you best. What Is an Offset Account? An offset account is a transaction account linked to your home loan. It works just like an everyday bank account—you can deposit your salary, make payments, transfer money, and spend using a debit card. The balance in your offset account reduces the amount of interest charged on your home loan balance. How an Offset Account Saves You Money If you have: $500,000 owing on your home loan $100,000 sitting in your offset account You will only pay interest on $400,000. This can significantly reduce interest costs and help you pay off your home loan sooner. Benefits of an Offset Account ✅ Full transaction capability Spend or transfer money at any time, just like a normal bank account. ✅ Immediate access to funds Money is available instantly—no processing delays. ✅ Powerful for interest savings Every dollar in offset works 24/7 to reduce your home loan interest. Who Is an Offset Account Best For? Borrowers who keep a positive account balance Households that like financial flexibility Investors wanting to preserve tax deductibility (very important) Anyone wanting full control of their cash flow What is a Redraw Facility? A redraw facility lets you access extra repayments you’ve made on your home loan. Instead of keeping money in a separate account, you reduce your loan balance by paying more than your minimum repayments. This extra money can later be redrawn (or borrowed back) when needed. How Redraw Works You make extra repayments These go directly toward your loan balance Your interest charged reduces You can access the extra amount later via redraw Example of a Redraw Facility? If you owe $500,000 on your mortgage and you’ve made $100,000 in extra repayments, your interest is charged on $400,000. Benefits of a Redraw Facility? ✅ Great for disciplined savers Money is tucked away within your mortgage, reducing the temptation to spend. ✅ Effective for long-term interest reduction Extra repayments help shorten your loan term. Who Is a Redraw Facility Best For? Borrowers wanting a structured way to make extra repayments People who prefer fewer transaction accounts Homeowners committed to reducing their mortgage quickly Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Facebook X (Twitter) WhatsApp Copy link We're Here To Support You Through The Entire Home Buying Journey. Speak to a Home Loan Expert Make an E nquiry Send us an enquiry or call 1300 103 998. Our team will get back to you within 30 minutes during business hours — and our service is completely free. Get a pre-approval We’ll review your situation, help you understand your borrowing power, and organise your home loan pre-approval. We’ll also check your eligibility for Australian Government first home buyer grants to help you get into the property market sooner. House Hunt Once you're pre-approved, you can confidently start house hunting. We can also introduce you to trusted conveyancers and buyers agents to help guide you through every stage of your home-buying journey. Settlement Once you sign the contract, our team will manage the loan settlement with the bank, ensuring a smooth transition to becoming a homeowner. Our service doesn’t stop here — we’ll check in with you every six months to make sure everything is going smoothly.

The Australian government has improved accessibility for Aussies to purchase their first home by allowing for deposits as low as 2-5%. These's only 50,000 Spots (total) available per fiscal year. Enquire today to see if you are eligible. Your Simple, Step by Step Guide to Using Super to Buy a Property Our expert mortgage brokers will help you navigate the complexities of buying a property with your SMSF. Speak to an expert Trusted and Recognised by Industry Experts 5.0 Stars Rating from 400+ Google Reviews Buying a Property Using Your Super Fund

Get into the property market faster. If you meet the postcode, and lender's eligibility requirements, you can buy a home or investment property with just a 5% deposit and without paying lender's mortgage insurance. No industry-based employment requirements Ideal for self-employed individuals and business owners Available for purchases, refinance and cash out Open to owner-occupied and investment loans Speak to a Home Loan Expert Borrow up to 95% without LMI in 145 Eligible Postcodes 5.0 ( 400+ Google Reviews ) Qualifying For This Offer To access this exclusive 95% no LMI home loan, you’ll need to meet the lender’s key eligibility criteria. These criteria typically include income, credit history, and property requirements designed to ensure you can comfortably service the loan. Our Mortgage Experts at Simple Easy Finance will review your financials, assess your borrowing capacity, and confirm whether you qualify for this high-LVR, no Lenders Mortgage Insurance offer— helping you move forward with confidence. Security Value + Post Code Eligibility Requirements The property(s) must serve as standard residential security and be located in one of the 145 eligible postcodes. Refer to the postcode table below for details. Meet the Minimum and Maximum Loan Amount Minimum borrowing amount= $2M Maximum borrowing amount= $4.75M *There are 10 exceptional postcodes where maximum borrowing is at $5.7M and 6 postcodes with maximum borrowing at $7.6M. See table below. Meet Servicing and Lenders Risk Profile The Lender will assess your income and credit profile to ensure that you meet their low-risk borrower profile. Speak To Our Expert Team Buy Your Dream Home Faster and Save Thousands on Lender Mortgage Insurance The table below shows your LMI savings at 95% LVR with this offer Loan Amount LMI Saving at 95% LVR $2,000,000 $85,168 $2,500,000 $106,460 $3,000,000 $127,752 $3,500,000 $149,044 $4,000,000 $178,536 $4,500,000 $182,403 Eligible Post Codes The lender’s eligible postcode list is divided into three tiers, each with different maximum security values based on property type and location. Most eligible postcodes allow a maximum security value of $5 million for houses, duplexes, and townhouses, and $4 million for apartments. A select group of postcodes has higher limits, including: 10 postcodes with a maximum security value of $6 million 6 premium postcodes with a maximum security value of $8 million To qualify for this offer, your minimum loan amount must be $2 million, regardless of postcode. This helps ensure the loan meets the lender’s high-value lending criteria. NSW 2000 2038 2068 2096 2119 2158 2010 2039 2069 2097 2121 2159 2011 2040 2070 2099 2122 2178 2018 2041 2072 2100 2125 2203 2021 2045 2073 2101 2126 2219 2022 2046 2074 2102 2130 2221 2025 2047 2075 2103 2132 2224 2026 2048 2076 2104 2134 2229 2031 2049 2084 2105 2135 2230 2032 2060 2085 2106 2136 2481 2033 2061 2087 2107 2137 2515 2034 2064 2089 2111 2138 2600 2035 2065 2092 2112 2154 2063 2036 2066 2093 2113 2156 2612 2037 2067 2094 2114 2157 2748 VIC 3002 3103 3127 3146 3188 3916 3008 3104 3141 3161 3191 3929 3040 3122 3143 3184 3193 3933 3052 3123 3144 3185 3206 3943 3068 3124 3145 3187 3232 3944 3101 3126 WA 6009 6011 6012 6015 QLD 4005 4007 4155 Maximum Security Value Maximum Loan Value Apartments House | Duplex | Townhouse S4,000,000 $5,000,000 S3,800,000 $4,750,000 Maximum Security Value Maximum Loan Value House | Duplex | Townhouse S6,000,000 S5,700,000 NSW 2024 2029 2063 2090 2095 2110 2028 2062 2071 VIC 3186 Maximum Security Value Maximum Loan Value House | Duplex | Townhouse S8,000,000 S7,600,000 NSW 2023 2027 2030 2088 2108 VIC 3142 FAQs Are there any specific employment requirements? No, this low-risk LMI waiver does not have any industry-based employment requirements. The lender will use a range of data sources, including postcodes, security value, and credit history, to assess eligibility. Is this offer available to self-employed and business owners? Yes, this offer is available to individuals who are self-employed and business owners. There are significant benefits associated with this opportunity for business owners, who may prefer to allocate their funds towards other investment avenues rather than using them for a house deposit. Is this available for both owner-occupied and investment loans? Yes, this is available for purchases, refinancing, and cash-out, including investment loans with interest-only payments. If my security value exceeds the requirements, does that mean I’m not eligible? Yes, your security value must be below the maximum threshold of that particular postcode. A property valued higher than the threshold is classified as luxury property and will not be eligible for this offer. What constitutes a low-risk customer to the lender? A low-risk customer will generally have high levels of uncommitted monthly income, demonstrate a strong repayment history, and have no missed payments or adverse information on their credit bureau records. What type of loans are not included in the low-risk 95% LMI Waiver? • Construction loans or major renovations where progress payments are required • Applications involving vacant land as security • Applications involving security or servicing guarantors • Applications where the borrower is a company or trust • Bridging finance. What are the benefits of this program? Eligible customers can save money by not having to pay the upfront cost of LMI Premium if their loan-to-value ratio is above 80%. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Reviews From Our Happy Clients See why our clients love working with us and recommend us with confidence. ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

We help legal professionals secure a home loan with only 10% desposit. Contact us to see if you qualify for the 90% no LMI home loan package. Exclusive Home Loan Offer for Legal Professionals Speak to an expert Save up to $30,000 in LMI cost* Enjoy discounted interest rates exclusive for Fina professionals Borrow up to 90% without incurring LMI cost Home loan available for purchases, refinances and top ups Fast home loan approvals ( Plus our service is free of charge) Trusted and Recognised by Industry Experts How We Help Lawyers Save $30,000* on LMI Premiums LMI, or Lender's Mortgage Insurance, is a type of insurance that safeguards the lender in case the borrower can't repay their home loan. Normally, LMI is needed when a borrower's loan-to-value ratio (LVR) exceeds 80%, indicating they're borrowing over 80% of the property's value. However, qualified legal professionals can take advantage of a specialised home loan package, allowing them to borrow up to 90% without the need for LMI. For example, if you're looking to purchase a $1.2 million property, your required deposit is just $120,000 instead of the usual $240,000 needed to avoid LMI. *Estimated savings only, $30,000 savings based on a loan amount of $1,100,000. Speak to an expert How Do I Qualify? To qualify for this exclusive offer, you must demonstrate your current practice in law through an industry membership or proof of your legal degree. Requirements may vary among different lenders. Documentation To be eligible for a no LMI loan some lenders will require you to show Industry membership. Example include Law Society of NSW Law Council of Australia The Commercial Law Association of Australia. The maximum loan size against a single security is $3.6 million, and the maximum exposure limit per borrower is $7 million. To be eligible, you must maintain a minimum 50% ownership interest in the property. For example, if there are two borrowers, the Legal professional must hold 50% of the property ownership. Legal professionals can now qualify for waived Lenders Mortgage Insurance (LMI) with major lenders, and there is no longer a requirement for a minimum income. Common professions Associate ( Depending on lender) Barrister Lawyers Legal Council Partners Solicitors *Please note, this list is not exhaustive, contact us to see if you qualify. Borrow up to 90% no LMI and Special Rates Exclusive to Legal Professionals. Speak to an expert Legal Professional Package We Make The Home Loan Process Easy For Our Legal Professionals Make an enquiry Send us an enquiry or call us on 1300 103 998 . Our team will call you within 30 minutes during business hours. Speak with our broker We will review your situation and find the best lenders for you within 48 hours. Rest assured, we'll also negotiate the best rates with these lenders. Home Loan approved Once you pick the lender, we'll prepare your application and oversee the entire process to get your home loan approved. Speak to an expert

Discover the contents of a strata report and why acquiring one is essential before buying a property. Strata Report: Why Every Unit or Apartment Buyer Needs One When buying a unit, townhouse, or apartment, a strata report is just as important as a building and pest inspection. It provides a detailed overview of the building’s financial health, maintenance history, by-laws, and any existing issues within the strata scheme. Understanding these factors before you buy helps protect you from unexpected costs, disputes, and long-term building problems that could impact your investment. Below is a full breakdown of what a strata inspection report includes and why it matters. What Is a Strata Report? A strata report (also known as a strata inspection report or strata records inspection) provides a full history of the building and essential information about the strata scheme. It is prepared by a licensed strata inspector and includes: The building’s financial status Maintenance history, repairs, and past expenses Pending works or projects planned for the building Special levies and the likelihood of future levies 10-year Capital Works Fund Plan Copies of the by-laws Minutes of meetings and any ongoing disputes or compliance issues Insurance details and building valuations The goal of the report is to give buyers transparency on the condition, costs, and overall management of the strata scheme—so you know exactly what you’re buying into. What to Look For in a Strata Report 1. Financial Health of the Strata Scheme Financial stability is one of the most important factors to assess. A strata report shows: The balance of the administrative fund (day-to-day expenses) The balance of the capital works fund (long-term repairs and upgrades) Whether quarterly strata levies are adequate Any history of special levies, which indicate cash shortfalls Whether there are unpaid levies by other owners Whether the building insurance is current, correctly valued, and updated within the last five years Poor financial health can lead to unexpected costs for owners, especially if the building requires major repairs. 2. Capital Works Fund ( Sinking Fund ) The Capital Works Fund shows how well the building is planning for long-term maintenance. Key items include: A legally required 10-year plan, established at the first AGM Reviews of the plan every five years Upcoming major expenses such as roof repairs, plumbing upgrades, painting, lift maintenance, or fire safety improvements Whether the current funds are sufficient to cover these works A strong Capital Works Fund reduces the risk of special levies and improves the long-term value of the property. 3. Strata By- Laws By-laws outline the rules for living in the building and can affect your lifestyle. The report includes details on: Pet ownership Noise restrictions Renovation approval processes Parking rules Smoking regulations Short-term letting (e.g., Airbnb) Common property usage Every strata scheme has its own set of by-laws, so reviewing them helps you understand whether the building is the right fit for your needs. 4. Major Building Defects A strata report highlights any serious structural or safety issues, such as: Combustible cladding Concrete cancer Waterproofing failures Leaks in bathrooms, balconies, or roofs Fire safety non-compliance Unapproved building works By reviewing past capital works and defect reports, you can identify recurring issues and potential risks that may affect the building—and your future costs. 5. Owner and Tenant Disputes The minutes from committee meetings reveal: How owners and tenants interact The nature of ongoing complaints Noise issues, pet disputes, or parking problems How proactive (or reactive) the strata committee is Whether the building is well-managed or struggling with governance A building with constant disputes may signal deeper management or community issues. How Much Does a Strata Report Cost? A strata inspection report generally costs between $300 and $400. Prices vary depending on the size of the building, the number of strata records, and the inspection provider. In some cases, the selling agent may already have a strata report available. These reports may be: Available for under $100 upfront, and You only pay the full report cost if you proceed with purchasing the property. This can be a cost-effective way to access a detailed strata report early without paying the full fee each time you inspect a property. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Facebook X (Twitter) WhatsApp Copy link We're Here To Support You Through The Entire Home Buying Journey. Speak to a Home Loan Expert Make an E nquiry Send us an enquiry or call 1300 103 998. Our team will get back to you within 30 minutes during business hours — and our service is completely free. Get a pre-approval We’ll review your situation, help you understand your borrowing power, and organise your home loan pre-approval. We’ll also check your eligibility for Australian Government first home buyer grants to help you get into the property market sooner. House Hunt Once you're pre-approved, you can confidently start house hunting. We can also introduce you to trusted conveyancers and buyers agents to help guide you through every stage of your home-buying journey. Settlement Once you sign the contract, our team will manage the loan settlement with the bank, ensuring a smooth transition to becoming a homeowner. Our service doesn’t stop here — we’ll check in with you every six months to make sure everything is going smoothly.

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Get fast home loan pre-approval with Simple Easy Finance. Learn your borrowing power, strengthen your property offers, and secure the right loan with our expert mortgage brokers. Secure Your Home Loan Pre-Approval Quickly Take the stress out of buying your next home. Get expert guidance, fast approvals, and a clear understanding of your borrowing capacity so you can make confident offers. Speak to a Home Loan Expert Fast, hassle-free approval process Know your borrowing power before you buy Access competitive home loan rates from 40+ Lenders Ideal for first home buyers and property investors 5.0 ( 400+ Google Reviews ) Benefits of Getting a Home Loan Pre-Approval Home loan pre-approval is when a lender agrees in principle to lend you a specific amount for a property based on your financial situation. This conditional approval gives you a clear idea of your borrowing power and strengthens your position when making offers. Understand Your Borrowing Power A mortgage pre-approval shows exactly how much you can borrow for your next home. Knowing your budget upfront helps you focus on properties within your price range and gives you confidence when bidding at auctions or making offers. More Attractive to Sellers Buyers with a pre-approved home loan are often favoured by vendors because it shows you’re serious and ready to settle. This can make your offer stand out in competitive markets. Flexible Approval Period Most pre-approvals are valid for 3–6 months and can often be extended with your lender or broker. This gives you time to find the right property without losing your conditional approval. No Cost for Pre-Approval Getting pre-approved for a home loan is usually free, making it a low-risk step in your property buying journey. 1300 103 998 Book Your Free Consultation How Much Can You Borrow? Home Loan Pre-Approval & Borrowing Power Explained What Documents Do You Need for Home Loan Pre-Approval? To organise a home loan pre-approval lenders require several key documents to assess your borrowing capacity. The exact documents may vary depending on whether you are a full-time employee, contractor, or self-employed. Proof of Identity: Valid ID such as an Australian passport, driver’s licence, or birth certificate Proof of Income: Recent payslips, bank statements, tax returns, or a letter of employment. Self-employed applicants may need business financials or accountant-prepared statements. Proof of Assets: Savings accounts, superannuation, shares, managed funds, vehicles, or property you own. Proof of Liabilities: Credit cards, car loans, personal loans, student loans, or any other outstanding debts. Living Expenses: Regular household costs such as groceries, utilities, transport, dining, and recreation. Organise a Pre-approval Home Loan Pre-approval FAQs How long is home loan pre-approval valid? Pre-approvals usually last 3–6 months. If you need more time, you can often request an extension from your lender or broker, avoiding the need to resubmit all your documents. Can you extend your pre-approval? If your pre-approval hasn’t expired, lenders can often extend it. You can contact your mortgage broker to request an extension. You may need to provide updated documents if your financial situation has changed. What happens when pre-approval expires? If your pre-approval expires before finding a property or obtaining an extension: • You can reapply with the same or a different lender • You’ll need to submit updated versions of your previous documents Can I get pre-approved by more than one lender? While it’s possible, applying to multiple lenders simultaneously is not recommended. Each application triggers a hard credit check, which may negatively impact your credit score. Will changes in my income affect my pre-approval? Yes. If your financial situation changes significantly after receiving pre-approval, your lender may need to reassess your application. This is especially relevant for fully assessed pre-approvals. Is there a chance my pre-approval could be rejected? Yes, pre-approval is conditional and can be rejected. Common reasons include: • Inaccuracies or missing information in your application • Low credit score or poor credit history • Changes to lender policies • Sudden changes in your financial circumstances • The property isn’t approved by the lender (e.g., studio apartments, serviced apartments, or properties with major structural issues) What should I do once I’ve found a property? After your offer is accepted: • Notify your mortgage broker to begin the formal home loan approval process. • Provide a copy of the contract of sale and pay your deposit after the cooling-off period (if applicable). • Arrange property inspections (building, pest, or strata reports) via your conveyancer or solicitor. How can Simple Easy Finance help with home loan pre-approval? At Simple Easy Finance, our expert mortgage brokers guide you through every step of the home loan pre-approval process. We ensure all your documents are accurate, help you understand your borrowing power, and work to secure the most suitable home loan for your financial situation. With our support, getting pre-approved is simple, fast, and stress-free. Check out our 5 star reviews from hundreds of our happy clients. Are interest rates lower for nurses? Some lenders offer discounted interest rates on medical and healthcare professional home loans. These rates are often more competitive than standard home loan products. Can nurses access this home loan for refinancing? Yes. Nurse home loan packages are available for purchases, refinances, and top-ups, allowing you to consolidate debt, lower repayments, or access equity. How long does approval take for a nurse home loan? With the right documents, approvals can be completed quickly. Our team often secures conditional approval within 72 hours for nurses and healthcare professionals. Do nurse home loans cost more than standard loans? No. In many cases, nurse home loans cost less due to no LMI, lower deposit requirements, and discounted rates, helping you save significantly. First Home Buyer? Discover the Government’s 5% Deposit Scheme. First Home Buyer Program ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save