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Simple Easy Finance – Sydney mortgage broker helping buyers, investors, and homeowners find the right home loan or refinance with ease. Fast and Reliable Home Loan Services You Can Trust — Every Step of the Way 5.0 Stars Rating from 440+ Google Reviews 1300 103 998 Book Your Free Consultation No Obligations. Secure, Simple and Fast Process 98.8% APPROVAL RATE 24 Hrs OPTIONS FOUND 6 Mth REVIEW GUARANTEE 40+ LENDERS COMPARED Trusted and Recognised by Industry Experts Recognised as an award-winning Sydney mortgage broker and MPA Top Broker, helping Australians secure better home loan solutions Stay Ahead with Our Ongoing Home Loan Review Service With Simple Easy Finance, your peace of mind lasts well beyond settlement. We manage your home loan for life—reviewing it regularly to ensure it stays competitive and perfectly suited to your needs. Guaranteed Six-Monthly Review Ongoing Home Loan Rate Check: Every six months, we review your home loan and compare it against 40+ lenders to ensure you’re always getting a competitive interest rate. Smarter Savings: We identify opportunities to reduce your interest costs and help you pay off your home loan faster — keeping more money in your pocket. Lasting Peace of Mind: We take the stress out of managing your biggest financial commitment, ensuring your loan stays competitive and suited to your needs, year after year. Stress-Free Home Loans with Expert Guidance Every Step of the Way Our simple home loan process makes buying or refinancing your home easy and stress-free. 1. We Understand Your Goals It all starts with a quick 20-minute call to discuss your needs, goals and what you wish to achieve with your next home or investment. 2. We Find the Right Home Loan Within a few days, we'll present tailored loan options that suit your situation- along with advice to help you choose with confidence. 3. We Handle the Rest From application to approval and ongoing six monthly reviews, we take care of everything to ensure you are always on the best deal. Speak to a Home Loan Expert Compare 40+ Leading Banks and Lenders for the Best Home Loan Rates We partner with over 40 lenders to find the right home loan tailored to your needs and financial goals. Reviews From Our Happy Clients Find out why our clients love the Simple Easy Finance experience and confidently refer us to friends and family. Talk to a Home Loan Specialist Today and Find the Best Mortgage for You. Schedule a free, no-obligation consultation to see how we can simplify your home loan experience. 1300 103 998 Book Your Free Consultation

The 2026 property market is shifting. Explore the 10 key trends and what they mean for your next move in property. What’s Really Happening in the Australian Property Market in 2026? Published 8 April 2026 The property market is shifting as we move through 2026. Price growth is slowing, affordability remains stretched, and buyer behaviour is changing. Whether you’re buying your first home, investing, or reviewing your current loan, understanding these trends can help you make smarter decisions. We’ve broken down the 10 key trends shaping the Australian property market, based on insights from Cotality’s Q1 2026 Housing Update — and what they mean for you. Trend 1: Price growth is slowing After a strong run in 2025, the market is entering a more balanced phase. Growth is easing, affordability is tightening, and conditions vary across regions. Sydney & Melbourne : Prices have largely plateaued since late 2025. Brisbane & Adelaide : Still growing, but momentum is slowing. Perth : Continuing strong growth, driven by limited supply. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Trend 2: Demand is shifting to more affordable properties Demand hasn’t disappeared — it’s evolving. We’re seeing a clear shift toward more affordable properties, with lower price segments recording stronger growth. This is being driven by a surge in activity from first home buyers taking advantage of government schemes, alongside investors re-entering the market. As shown in the graphs below, properties below the price caps are leading the market, with growth significantly outpacing those above the caps across both regional and capital cities. Trend 3: Regional markets are outperforming Regional areas continue to lead growth, driven by affordability and lifestyle appeal. Many regional markets — particularly in Western Australia and Queensland — are recording strong growth, with some areas achieving double-digit gains. Trend 4: First home buyer activity is rising First home buyer activity has picked up noticeably, particularly following the expansion of the 5% deposit guarantee scheme in late 2025. This led to a strong increase in first home buyer lending, as more buyers were able to enter the market with smaller deposits. In fact, around 45% of first home buyers are now purchasing with deposits of 10% or less, highlighting a clear shift toward lower-deposit lending. As affordability remains a challenge, most first home buyers are focusing on more affordable properties, which is driving up demand and price growth in the lower end of the market. Trend 5: Investor activity remains strong Investor activity continues to be a key driver in the market, now accounting for roughly 40% of new lending — a clear sign of renewed confidence despite higher interest rates. Rather than chasing high-end capital growth, investors are taking a more strategic approach, focusing on affordability and yield. Key target areas include: Lower-to-mid price brackets Properties within or near government scheme price caps Locations offering stronger rental returns This strategy closely overlaps with first home buyer activity, increasing competition across the same price segments and placing upward pressure on more affordable properties. Trend 6: Affordability remains stretched Affordability continues to be one of the biggest challenges in today’s market. Property prices relative to income remain near record highs, with around 45.9% of household income now required to service a new mortgage. This is being driven by a combination of elevated property values and higher interest rates, which have significantly reduced borrowing capacity compared to previous years. Trend 7: Mortgage arrears remain low (for now) Despite the sharp rise in interest rates over the past cycle, mortgage arrears remain relatively low at around 1.5%, indicating that most borrowers are still managing their repayments. Several factors have helped support this resilience: Strong employment conditions and income stability Borrowers building buffers during the low-rate period Lenders proactively offering hardship support and repayment solutions However, ongoing cost-of-living pressures, combined with higher mortgage repayments, are starting to place increased strain on households. Trend 8: Rental market remains tight Rents are rising again, increasing by approximately 5–6% annually, with many households now spending close to one-third of their income on rent. Vacancy rates remain tight at around 1.5% nationally, well below long-term averages, reflecting an ongoing shortage of available rental stock. As a result, competition for rentals remains high, placing continued upward pressure on rents. At the same time, stronger rental returns are improving yields, helping to support ongoing investor demand even in a higher interest rate environment. Trend 9: Total advertised stock levels vary significantly across Australia The flow of fresh listings has increased in most major cities compared with the same time last year, particularly in Sydney and Melbourne, where current activity is above the five-year average. In contrast, Perth has experienced a decline in stock levels, down 8.6% year-on-year. This tighter supply has contributed to an uplift in property prices in Perth. Trend 10: Consumer confidence has dropped Consumer sentiment has fallen to record lows, reflecting concerns around rising interest rates, inflation, and the cost of living. Historically, weaker confidence tends to slow housing activity, as buyers become more cautious and delay purchases. While this may temporarily reduce demand, it also presents opportunities for informed buyers and investors who are prepared to act strategically in attractive markets. The market isn’t crashing — it’s changing. Opportunities still exist, but they now depend on: The right strategy The right timing The right structure Whether you’re buying, refinancing, or investing, having a clear plan has never been more important. Book a meeting with our expert team to review your financial position and explore your options. Speak with a home loan expert Facebook X (Twitter) WhatsApp Copy link 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

Sydney based finance and mortgage broking firm located in CBD and Ryde specialising in finance for first home buyers, property investors and people looking to refinance their existing loans. Experts in Home Loans and Refinance We're a trusted mortgage brokerage in Sydney known for our expertise in providing excellent customer service and making the home loan process easy! What sets us apart is our exceptional post-service care. Our team will review your home loan every 6 month and contact your bank on your behalf to ensure you are always on the best deal. Speak to a Home Loan Expert Trusted and Recognised by Industry Experts Recognised as an award-winning Sydney mortgage broker and MPA Top Broker, helping Australians secure better home loan solutions Our Simple and Easy Home Loan Process ABOUT OUR SERVICE Negotiate offers from 40+ lenders We do not charge a fee for our service 0 $ 40 + 98 Application approval rate 6 months Half yearly reviews to help you save %

< Back The best home loan type for your needs There are 5 main types of home loans. We will run through the pros and cons of each type of loan to help you understand the best home loan for your needs. 1. Fixed rate home loan A fixed home loan offers an interest rate that is fixed for a set period of time – usually 1, 3 or 5 or 10 years. The key benefit is the ability to budget, knowing exactly how much your repayments will cost each time. However, a fixed loan doesn’t have the same flexibility as other loans – you will encounter restrictions if you want to make additional repayments, such as fees or capping to a low amount. You might also be disappointed if interest rates drop dramatically and you are still paying the same fixed rate. This is a good option if you want to make steady regular payments and you intend to stay in your current home throughout the term of the loan. It is not such a good option for someone who wants to move to another property in the foreseeable future, or who wants to cut down on the term of their loan. 2. Variable rate home loan A variable home loan is far more versatile, with the option of making extra payments at no extra cost, enabling you to pay the loan off sooner. Your loan might also offer unlimited redraws, so you can access money in an emergency. Another positive feature is the offset account, a transaction account linked to your mortgage account which reduces your interest payable. This is a good option if you want to invest the maximum into your mortgage, with the freedom to redraw in an emergency. However, as the interest rates will vary from payment to payment, it is not such a good option if you struggle to budget for unpredictable changes in the loan repayments. 3. Split loan The split loan offers the advantages of both fixed and variable loans. You can split your loan into any proportion you wish – 50/50 or 80/20. One of the benefits of the split loan is that payments will gradually decrease, as the steady fixed rate payments lower the amount of the loan, so that the variable payment is proportionally lower at times when interest rates rise. 4. Interest only loan With an interest only loan, you pay only the interest on the loan for the initial term, usually from one to five years. Your monthly repayments are considerably lower, although this is because you are not reducing the principal of the loan. At the end of the interest only term, your repayments will rise as you must start paying both interest and principal. This can end up being an extremely expensive option if you are not sure what you are doing. However, investors tend to choose interest only loans, as they can take advantage of low repayments over a set period, before they resell the investment property. 5. Low Doc The low doc loan has lower requirements for proof of income and credit rating, yet they also require a higher deposit and charge higher interest rates. For someone with a unstable credit history or employment background, the low doc loan will be difficult to pay off. While this option can be popular with self-employed people, who don’t have the same level of documentation to prove their income, the excessively high interest rate generally makes it a bad long term choice. If this is your only option for a loan, your best alternative might be to wait until you can be approved for a different type of loan. Previous Next

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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