Welcome to our Pula blog, where we share stories, news and knowledge with you to help you. We are passionate about sharing information and knowledge to inform you of the latest developments, changes and updates in the world of property finance. We are consistently gathering information from interviews and speaking to experts to post our latest news here.

Why your broker asks so many questions

Ever wondered why mortgage brokers have to ask you so many questions about your financial circumstances? It’s to ensure that fraudulent applications don’t slip through the cracks and that your loan suits your needs now and your plans for the future.

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Why do I need a pre-approval?

For those getting ready to stride into the world of home ownership, the uncertainties of pre-approval can cast a shadow of doubt over an otherwise exciting time. When is it necessary? How long does it last? And what does it involve, exactly?

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What comes first, the property or the loan?

It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan.

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How to increase your borrowing capacity

Maximising the amount a lender will hand over to you isn’t about trying to take on unmanageable levels of debt. It’s a matter of taking a few simple but smart steps that could mean the difference between toiling in that ‘fixer-upper’ or owning your dream home.

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How redraw and offset accounts can save you money

Offset accounts and redraw facilities work in similar ways; they both allow you to reduce the balance of your home loan, and therefore the interest charged, by applying extra money to your debt.

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How a health check can broaden your property horizons

A simple home loan health check led two police officers to refinance for a saving of $7600 a year in interest.

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