Commercial, Residential 10 Apr 2025 Why We Don’t Recommend Cross-Collateralisation – And What to Do Instead At Blambles Finance Group, we always look for ways to structure finance that give you more flexibility, control, and long-term strategic benefits. One structure we regularly advise against is cross-collateralisation,… Campbell Gordon
Residential 17 Dec 2024 How Much Should I Borrow? How Much Should I Borrow? – A Guide for Property Buyers When purchasing a property, one of the biggest decisions you’ll face is determining how much to borrow. While some buyers aim to maximise their borrowing capacity, others might find themselves in a position where… Campbell Gordon
Residential 13 Dec 2024 Offset v Redraw Offset Account vs Redraw Feature: Which is Better for You? If you're a homeowner in Australia, you’ve likely come across the terms "offset account" and "redraw facility" while exploring ways to manage your mortgage. Both are powerful tools for reducing the interest you pay on… Campbell Gordon
Residential 29 Nov 2024 Benefits of an Offset Account Understanding the Costs and Benefits of an Offset Account An offset account is a popular financial tool for Australian homeowners. It’s a simple yet powerful way to reduce the amount of interest you pay on your home loan while keeping your savings accessible. But like… Campbell Gordon
Residential 17 Aug 2020 Can my parents provide a family guarantee to avoid paying LMI What is a family guarantee? A family guarantee is typically a means by which parents can support their child in getting onto the property ladder by using the equity in their home to reduce the size of a cash deposit and / or avoid the… Campbell Gordon
Residential 11 Aug 2020 How to avoid paying Lenders Mortgage Insurance What is Lenders Mortgage Insurance ("LMI")? Lenders Mortgage Insurance or LMI is a one-off insurance premium payable when you take out a new loan. The LMI premium is added onto your home loan and payable over the loan term. Read on to find out how… Campbell Gordon
Residential 14 May 2020 Thinking of major renovations or a new build? What is a construction loan? A construction loan is a loan from a bank which allows you to either build a new home or complete a major renovation on an existing home. The main differences between an ordinary home loan and a construction loan are,… Campbell Gordon
Residential 14 May 2020 Should I pay a rate lock fee for my fixed rate loan? What is a fixed rate lock? When taking out a fixed rate loan, it is important to understand that the fixed interest rate is set on the day of drawdown / settlement, not necessarily the advertised rate when you apply for the loan. In some… Campbell Gordon
Residential 24 May 2019 APRA releases shackles on mortgage prisoners Read on to understand what a relaxation in lending standards could do for new and existing borrowers. After the tightening of lending standards over the past 12 months, it looks like things are loosening which will provide a big boost for, potential borrowers looking to… Campbell Gordon
Residential Should I fix the interest rate on my home loan? Blambles FInance answers this for you in the blog. 28 Nov 2018 Should I fix the interest rate on my home loan? A question that I’m continuously asked by my clients is, “Should I fix the interest on my home loan?”. And fair enough too — if there are ways to save… Campbell Gordon
