Keep up to date with expert advice and information from Bernie Lewis Home Loans

Assessment of Living Expenses in 2020

Posted in: Insights, NewsPosted on: 25/02/2020

The way Lenders assess your living expenses is constantly changing with the increasing regulations for responsible lending. Being prepared for a thorough look into your living expenses can be key to successfully obtaining a loan approval in 2020. We break down how and why Lenders assess your living expenses, and give you a guide to start preparing for your home loan application.

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Ways to buy your next home

Posted in: InsightsPosted on: 14/02/2020

Navigating the path to buying your next home can be complex and daunting. There are multiple ways to strategise the purchase, but it all depends on your position, which will ultimately decide how you can move forward to the home of your dreams.

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How to decide when to refinance your home loan?

Posted in: Insights, NewsPosted on: 15/01/2020

With the RBA cash rate at 0.75%, home loan interest rates are dropping to record lows in Australia, but how do you know when to refinance your home loan? Consider these points:

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Warning: Festive Spending & Repaying

Posted in: Insights, NewsPosted on: 20/12/2019

The Christmas spending season is well and truly here for this Festive Season. A few gentle reminders for those looking at home finance in the New Year, and the implications that can occur if your spending tips over budget, or your usual financial accountability relaxes as those holiday naps approach.

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New Years Resolution: Mobile Mortgage Brokers

Posted in: Insights, News, VideoPosted on: 19/12/2019

Our 1st New Years Resolution has come early: We strive to be more flexible, mobile and local than ever before. Our Mortgage Broker team will be closer to their own suburbs and your suburb, working local and mobile because we are just that!

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FIRST HOME BUYER ALERT: First Home Loan Deposit Scheme

Posted in: Insights, NewsPosted on: 18/12/2019

First Home Buyers can ring in the New Year with a wonderful opportunity. As of the 1st of January 2020, the First Home Loan Deposit Scheme will begin, allowing more First Home Buyers to enter the property market sooner rather than later. So what is the First Home Loan Deposit Scheme? Why? How? Who?

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Five simple ways to ‘gamify’ your home loan

Posted in: Insights, NewsPosted on: 08/11/2019

Paying off a mortgage can seem like an endless and relentless burden. Particularly in the early years of you loan when each repayment seems to hardly make a dent in your outstanding loan balance. So why not 'gamify' your loan. Turn the process of paying your loan off faster into a game, with the ultimate prize being debt free, with the Bank off your back and owning your home outright. What better prize than that!

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Lowest ever rates: are they all they appear to be?

Posted in: Insights, NewsPosted on: 09/09/2019

There are many eye opening interest rates being advertised lately, but getting the right home loan tailored to your specific needs and circumstances is more valuable than just the lowest rate on the market.

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Home Loan Pre-Approval – Why you should use a Mortgage Broker

Posted in: InsightsPosted on: 23/08/2019

A home loan pre-approval is an important part of the home purchase process, which can provide you with an ‘approval in principle’ for your proposed finance scenario. In other words, a quick ‘yes or no’ outcome on your credit application with conditions to be met before you can obtain a formal approval.

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Two Great Benefits To Building Your First Home

Posted in: InsightsPosted on: 13/08/2019

Buying land and building your first home presents some great benefits to first home buyers, which makes starting out with something from scratch, a very attractive prospect for first time entrants to the housing market. Aside from a owning a brand new home that would be modern and shiny, there are two potentially substantial financial benefits to buying land & building your first home.

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