Recent Posts

April 19, 2022
Best Mortgage Broker Melbourne

One of the biggest commitments you will make in your working life is securing a mortgage, and with over 1,000...

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April 15, 2022
Why Refinance A Home Loan

You may ask why refinance a home loan, and the answer begins with Interest rates in Australia being at all-time...

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April 5, 2022
Interest Rates Remain On Hold For April

As expected, the Reserve Bank of Australia has left interest rates on hold once again at the record low rate of 0.1%....

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April 1, 2022
How To Find A Mortgage Broker

One of the biggest commitments you will make in your working life is securing a mortgage, and with over 1,000...

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January 12, 2022
How 1-in-10 First Time Buyers Manage to Buy Their Homes 4 Years Sooner

Currently, two federal government schemes are available to Australians looking to buy their first home. One is the First Home...

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October 22, 2021
Common Mistakes a First Home Buyer Should Avoid (Plus Foolproof Tips!)

It’s a well known saying that mistakes make the best teachers. When it comes to buying your first home, does...

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August 27, 2021
Learn How You Can Negotiate Mortgage Interest Rates

How to Negotiate Your Mortgage Interest Rates One of the most important steps of purchasing a home is making sure...

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August 20, 2021
How Does a Land Loan Work? Top Things to Know Before You Buy Land

Not all people want to buy ready-made homes. Some have the time and the patience to build from scratch. If...

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August 13, 2021
What You Need to Know About Stamp Duty and Buying a Property

Is Stamp Duty Still Required? Stamp Duty is one of the highest costs associated with buying a property in Australia....

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August 6, 2021
Is it cheaper to build or buy a house in Australia?

Buying a house is one of the biggest investments you’ll ever make in your life. You can either build or...

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July 30, 2021
What Is LMI and How Can You Avoid It?

No LMI Home Loans No LMI (Lenders Mortgage Insurance) Home Loans are becoming more common in the market. Your mortgage...

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July 16, 2021
Low Doc Loans are not gone!

The increasing credit regulation has seen many people predict the death of Low Doc loans.  Independent Mortgage Broker, What If...

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July 9, 2021
How Credit Worthy Are You?

One of the greatest perks in life is access to credit. It opens the doors to many important financial decisions,...

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July 2, 2021
How Can First Home Buyers Benefit From Stamp Duty Changes in Victoria?

Saving up for your first home can be difficult. It takes commitment and hard work, but it doesn't need to...

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June 25, 2021
On Line Pre-approvals Are Not What They Seem

Imagine getting pre-approval from your lender either over the phone, online or even at your local branch, only to find...

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June 18, 2021
What Is Conveyancing?

Conveyancing is a term used to describe the whole process of putting a property on the market, executing an agreement...

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June 11, 2021
Is It Better To Get A Mortgage Through A Bank Or Broker?

When you're shopping for a home loan, you have two main sources for financing; a bank or a mortgage broker....

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June 4, 2021
When is the Right Time to Refinance?

As mortgage interest rates changes, many homeowners opt to refinance their loans. Refinancing means replacing an existing loan with a...

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May 21, 2021
Best Melbourne Suburbs for First Home Buyers

When you're planning on buying a new home, the location is often the first thing you think about. After all,...

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May 14, 2021
How a Mortgage Broker Can Save You Time and Money

Gone are the days when if you needed a financial product as expensive and as daunting as a mortgage, you...

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May 7, 2021
Building A New Home with Construction Home Loan

So you are building a new home and you need a Construction Home Loan. Where do you start? Your mortgage...

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April 30, 2021
Buying an Effective Investment Property

A significant portion of the population are now buying more than one investment property and the recent property boom in...

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March 25, 2021
Choosing the Right Independent Mortgage Broker

What is an independent mortgage broker? An independent mortgage broker is a mortgage broker who is not affiliated with any...

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March 12, 2021
Tips to Pay off Your Mortgage Faster!

With improving credit conditions, your Melbourne Mortgage Broker What If We Finance is committed to helping you figure out the...

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March 5, 2021
Bank Valuations, Art or Science?

Most lending applications in Australia, before being approved, require a bank valuation to be completed. This is where lending can...

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February 26, 2021
Not All Mortgage Brokers are Created Equal

So, you have decided you want to buy a new property and need to organize finance. With over 1000 home...

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February 3, 2021
Cash Rates to Remain Low Even as a Bank Increases Interest Rates

Mortgage Broker What If We Finance advises February 2 2021 the RBA left the official cash rate unchanged at 0.10%. RBA governor...

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July 15, 2019
Can I Apply for a No Deposit Home Loan?

No Deposit Home Loans – do they exist? Buying your home without a deposit seems like an unreachable dream —...

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December 13, 2018
Is Your Bank Offering You the Best Deal?

A recent ACCC report has levelled major criticism at the major banks regarding their mortgage pricing behaviour. The ACCC reviewed ANZ, CBA,...

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November 30, 2018
Property Prices Rising Again

Recent press has painted a picture of doom and gloom regarding property prices rising. Some forecasters have predicted falls up...

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September 21, 2018
What You Need to Know About Increasing Interest Rates

Interest Rates were set by the RBA Traditionally the Reserve Bank of Australia (RBA). would set interest rates in Australia. The RBA...

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June 6, 2018
Should You Choose a Fixed Rate Loan?

Home Loan Fixed Rates – are they a gamble? This is a thought that has been occupying What If We...

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June 30, 2015
The Risks and Possible Benefits of Buying Off the Plan

Buying off-the-plan real estate is often pitched by marketers as a “win win investment” But, how safe is buying property...

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June 30, 2015
The Advantages of Using a Mortgage Broker

If you have not used a mortgage broker before, chances are you will have a few questions. We’ve put together...

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