Positive Home Loans Information Centre

Welcome to our Positive Home Loans information centre.

What you should do while interest rates are low

What you should do while interest rates are low

Take action now while your home loan interest rates are low to protect yourself against shock when rates eventually rise.

Here's what you need to do now, whether you have a current mortgage or your saving for your first home.

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How to Beat Rising Electricity Bills

How to Beat Rising Electricity Bills

Summer in Australia gets hotter and longer each year, and power bills keep rising too.

Find out what you're really paying for, and whether installing solar will lower the total cost of your electricity supply.

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Are First Home Buyers Locked Out in the Eastern States?

Are First Home Buyers Locked Out in the Eastern States?

The next generation of first home buyers are coming under a lot of criticism for delaying their first home purchase - but is it all because of their love of smashed avocado?

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Buying At Auction

Buying At Auction

Buying a home at auction could get you a great price - here's how to tackle the nerve-wracking process of bidding at a property auction.

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Steps to Home Loan Pre-Approval

Steps to Home Loan Pre-Approval

If you've got your savings in order, and you have your first home deposit or a family member who's agreed to be your guarantor, the next step is to get your home loan pre-approval, so when you find the right place, you can make an offer right away!

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Buying An Apartment First Home

Buying An Apartment First Home

Quite a lot of my first home buyers choose to buy an apartment first - it's more affordable, and it gives them a place to live right now that suits their lifestyle.

It can be hard to find a great place, so I sat down with a real estate agent to find out what you should look for.

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Refresh Your Home Decor With Photo Art

Refresh Your Home Decor With Photo Art

Anyone can be an artist with the amazing technology that's right in at your fingertips.

Learn how you can create highly quality, personalised household decor items quickly and easily using your smartphone and a few basic items.

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Create Your Perfect Outdoor Space

Create Your Perfect Outdoor Space

The Pantone colour of the year for 2017 is ‘greenery’, inspiring us to get outside! So here's our favourite ideas for creating or refreshing an outdoor space to extend your home and embrace the great Australian backyard lifestyle.

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How AirBNB hosts pay their mortgages faster.

How AirBNB hosts pay their mortgages faster.

Air BNB could be a great way to make some extra money to put towards your mortgage repayments.

Find out how to create a listing, the legal stuff you need to know, and get tips from 3 of our SA customers who've been AirBNB hosts.

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Top DIY Tips for New Home Owners

Top DIY Tips for New Home Owners

With our DIY Tips for new home owners you'll save yourself some money, put more towards the mortgage, and have the pride of being confident with looking after your own home.

Plus you get the satisfaction of adding value to your new home yourself.

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How to Save Your First Home Deposit

How to Save Your First Home Deposit

Saving for your first home is a pretty daunting task. By following these key steps, you'll set yourself a clear goal.

When you break your saving plan into manageable weekly habits, you'll be growing your home deposit steadily before you know it.

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Why Should I Use A Mortgage Broker?

Why Should I Use A Mortgage Broker?

Given the wealth of information that you can access online these days about every topic you can imagine, you may wonder how a mortgage broker could help you.

Whether you're a first home buyer or investor, here's your chance to find out why you might chat to a mortgage broker!

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Top Tips From Our Experts On Buying Your First Home

Top Tips From Our Experts On Buying Your First Home

My first home buyers are always asking me for advice about how to choose the right property to buy, and what they need to watch out for.

Here's some advice from our real estate experts on making your first home purchase.

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Buy Now Using LMI or Rent & Save 20%?

Buy Now Using LMI or Rent & Save 20%?

When deciding whether to rent and save for your 20%, or whether you’ll buy a property with a smaller deposit, there’s a bit to consider.

You want to make the right choice for yourself, and this means you need to understand what LMI is and how it works.

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Boost Your Income For Christmas Using Your Smart Phone

Boost Your Income For Christmas Using Your Smart Phone

If you have a smart phone, you could be well on the way to earning a few extra dollars to put towards your Christmas kitty.

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Would Donald Trump Get a Positive Home Loan?

Would Donald Trump Get a Positive Home Loan?

If greatness is measured by wealth, Donald Trump is the greatest candidate for the 2016 American presidency, in terms of ‘I can’t look away due to FOMO’.

Read on as we delve into the true financial situation of Celebrity Politician Donald Trump.

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How to Use Mortgage Calculators

How to Use Mortgage Calculators

One of the questions our Mortgage Brokers get asked first by nearly everyone is ‘What is your lowest interest rate’?

In this post, I’m going to show you why your first question should be ‘What will my repayments be?’ I'll go on to show you how you should use mortgage calculators to accurately compare your options.

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How Do Mortgage Brokers Make Money?

How Do Mortgage Brokers Make Money?

In the past there has been some media attention focused on brokers commission, and whether these incentives could lead brokers to connect clients with the loans that earn them a bigger commission, not the loans that give the clients the best mortgage for their situation.

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What is Negative Gearing?

What is Negative Gearing?

Let's have a look at negative gearing and the effect that it has on a person with a property investment mortgage. Once you understand the relationship between negative gearing and your investment, you'll be prepared to ride the waves of government policy change.

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Buying Property With a Guarantor Home Loan

Buying Property With a Guarantor Home Loan

Saving a 20% home loan deposit is a lot more difficult now than it ever has been. In the 1980’s, a home loan deposit was worth about the average annual income. Now, in 2016, a 20% home loan deposit is 4 times the average annual income - taking not 1 year, but up to 5 years for a couple to save.

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Home Loan Health Check

A 5 minute check up could save you thousands

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