Your borrowing capacity can swing by tens or even hundreds of thousands of dollars depending on the bank you apply with. That’s because each lender has their own credit policies — rules they follow when deciding how much risk they’re willing to take. Some of the biggest policy differences include: Living Expenses Policy: Some banks … Read more
Buying property in NSW is exciting, whether you’re an investor growing your portfolio or a first-time homebuyer. But beyond the purchase price, there are hidden costs that can quickly add up and catch you off guard. Ignoring these can eat into your return on investment (ROI) or leave you financially stretched. In this post, I’ll … Read more
Buying your first home in Australia just got a little easier. From 1 October 2025, the government’s new 5% Deposit Scheme will officially launch, making it possible for first-home buyers to get into the market sooner with a smaller deposit. As the director of Truth Group, I work with clients every day to plan their … Read more
Investing in property can be one of the most rewarding financial moves you’ll ever make — but it’s also one of the easiest to get wrong. Many investors in NSW jump into the market with excitement, only to face costly mistakes that could have been avoided with the right planning and guidance. Below, I’ve outlined … Read more
Mortgage Broker vs Bank NSW When it comes to securing a home loan in New South Wales, many buyers ask the same question: Should I use a mortgage broker or go directly to a bank? Both options have their merits, but understanding the differences can save you time, stress, and money. Why Consider a Mortgage … Read more
Investors securing pre-approval for an investment property in NSW is a critical first step for any savvy investor. A pre-approval not only sets your budget but also positions you as a serious buyer in a competitive market. In 2025, the process has become faster and more streamlined—if you know the right steps. 1. Assess Your … Read more
One of the most common questions I get is “what are the top suburbs to buy for first home buyers in 2025?” Here’s what I tell families in this situation… Buying your first home is one of the biggest financial steps you’ll take, and where you choose to buy matters just as much as what … Read more