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Since 1987 Bernie Lewis Home Loans has been helping South Australians achieve home ownership; finding the right home loan solution to buy homes and property whilst educating clients how to pay their loan(s) off sooner.

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Why you should use a Mortgage Broker

Using the services of a Mortgage Broker has many advantages over approaching a single lender. The most obvious of which is the greater choice of Home Loans across many Lenders

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Latest newsView all

It is clear that interest rates are likely to further rise over the coming months

Posted on: 09/05/2022

Variable interest rates are the rate type that is typically affected by a cash rate hike. Put simply, if you’re on a variable rate home loan and your lender chooses to raise rates in line with the cash rate, then your interest rate and therefore your monthly mortgage repayments will increase.

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RBA Media Release Statement

Posted on: 03/05/2022

RBA Media Release Statement by Philip Lowe, Governor: Monetary Policy Decision

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Genuine Savings Explained

Posted on: 03/05/2022

The way you save is more important than ever before. If you're borrowing above 80% of a purchase price, you may have to prove you have ‘genuinely’ saved 5% over a set period of time.

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Your Home Loan Application and Household Expenditure Measure (HEM)

Posted on: 05/04/2022

Household Expenditure Measure (HEM) is a measurement tool used by lenders to approximate living expenses. This tool helps to determine your available income which may be used to calculate how you can repay a home loan. HEM is a figure that represents the average dollar amount that households spend each year. There are different HEM categories and your mortgage broker and lender will match you to a corresponding HEM category.

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