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So far brad has created 18 blog entries.

Australian Mortgage Awards 2019

      Tungsten Home Loans is proud to announce that we have gained National industry recognition in 2019, being named a Finalist in the Australian Mortgage Awards, Brokerage of the Year – Regional. The Australian Mortgage Awards bring together the Australian industry’s best, recognising brokers and brokerages for their outstanding achievements. Winning an AMA [...]

By |2019-09-09T10:04:38+00:00September 9th, 2019|Uncategorized|Comments Off on Australian Mortgage Awards 2019

Credit report changes: don’t be caught out

If you applied for a home loan in the current financial environment , your lender would probably assess your application in the context of both your credit score and your credit history – on top of your income, assets, liabilities and living expenses. Your credit score is a number calculated by a credit-reporting agency, which [...]

By |2019-09-06T13:47:28+00:00September 6th, 2019|Uncategorized|Comments Off on Credit report changes: don’t be caught out

What does it all mean for now?

Its been just over 1 month since the Royal Commission into Misconduct in the Banking and Financial Services Industry’s report was handed to the Government, and what a wild ride it has been since then for every Mortgage Broker in Australia.   The most shocking aspect, was that not a single case of Mortgage Broker [...]

By |2019-03-07T10:39:20+00:00March 7th, 2019|Uncategorized|Comments Off on What does it all mean for now?

How to negotiate in a softer housing market

  Seller expectations are high but buyers want low prices – what’s to be done? Two real estate agents detail how to negotiate in a declining market. After years of rapidly rising house prices, the recent slowdown took many people by surprise – not least those with a home to sell. “For a while we [...]

By |2019-02-05T07:29:09+00:00February 5th, 2019|Financial|Comments Off on How to negotiate in a softer housing market

10 tips for choosing an investment property

So, you’re thinking of buying your first residential investment property? There are a few things to consider before making the move. Here are our top 10 tips for avoiding potential difficulties and ensuring success.   1. Know your goal Understanding your financial objectives is key to finding the right investment property. The actual property itself [...]

By |2018-11-09T12:56:00+00:00November 9th, 2018|Financial|Comments Off on 10 tips for choosing an investment property

The Royal Commission shows why Mortgage Brokers are best….

The current Royal Commission into the finance industry has certainly shed some light on the banking system at large. From a lending perspective, it now makes more sense than ever to use a good Mortgage Broker, and not deal directly with the lender. For many years now, I have been heralding the fact that Banks [...]

By |2018-11-09T12:59:09+00:00October 4th, 2018|Financial|Comments Off on The Royal Commission shows why Mortgage Brokers are best….

Want to help your kids buy property? Here’s how.

The real estate market can be tough for young adults, but as a parent you may be able to lend a helping hand. We tell you how. 1.Parent-to-child loan A parent-to-child loan is when a parent lends their child money. This is a formal, legally binding arrangement, administered by an independent third party. At the [...]

By |2018-11-09T12:59:57+00:00August 24th, 2018|Financial|Comments Off on Want to help your kids buy property? Here’s how.

What you can borrow or what you should borrow?

The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation. Here’s how to do it. Understand your borrowing capacity Generally speaking, your borrowing capacity – what you can borrow – depends on [...]

By |2018-11-09T13:01:53+00:00July 17th, 2018|Financial|Comments Off on What you can borrow or what you should borrow?

Say goodbye bad debt in seven straightforward steps

It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off. Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is essential when you set out to buy [...]

By |2018-06-29T10:38:44+00:00June 29th, 2018|Uncategorized|Comments Off on Say goodbye bad debt in seven straightforward steps

Family planning: Applying for a home loan with a baby on the way

A new baby completely changes your life. Are you also prepared for how a new baby might affect your chances of buying a home? Here are some things to consider before you submit your application. When a lender assesses your home loan application, they look at your income, assets, debts and expenses before deciding whether [...]

By |2018-06-11T11:02:58+00:00June 11th, 2018|Uncategorized|Comments Off on Family planning: Applying for a home loan with a baby on the way