17%

34%

51%

68%

85%

100%

emoney home loan process

5-step home loan approval process

As COVID-19 spreads and a global recession looms, investment in the share market has become high risk. It is in this type of economic climate that the Australian residential property market has historically performed well. With interest rates at an all-time low, if you have been thinking of purchasing a home or investment property, now just might be the perfect time.

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What is a pre-approval?

Pre-approval—also known as conditional approval or approval in principle—is one of the best ways to find out how much you can borrow and if your financial situation meets the lenders credit policy before making an offer on a property.

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Budgeting to reach your goals

Are you saving to buy a house, go on holiday or something else? Setting and sticking to a budget can help you reach your goals quicker.

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Is it better to rent or buy in 2020?

Interest rates are at an all-time low and changes to lending policy have increased borrowing power. So, would you be better off buying than renting a home in 2020?

Genuine vs non genuine savings explained

Genuine vs non-genuine savings

Did you know lenders categorise savings as either genuine or non-genuine? Find out the difference and what this means for you as a borrower.

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Upfront costs

In addition to saving your deposit, there are a number of upfront costs you will have to pay for. It’s important you budget for these at the outset.

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Saving for a deposit

Do you know how much you need to save? Lenders typically require a 5% deposit and once you factor in upfront costs, this comes to about 8%.

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