mortgage health check

Redraw vs offset: what first-home buyers should know

25 August 2025

If you’re planning to buy your first home this spring, you’re not alone. It’s one of the busiest times in the property market, with more listings and more competition. That’s why it’s important to be well prepared. Beyond interest rates, there are other features that can make a big difference to your loan and how…

Buying an apartment vs a house as an investment

03 November 2024

Do you want to jump into the property market but don’t have the budget to buy a house? A unit or apartment could be a great way to get your leg up on the property ladder. According to CoreLogic data, unit values are now rising at a faster rate than houses in more than half…

Rentvesting: is this a good option for first-time buyers?

15 August 2024

With today’s cost of living pressures and the median dwelling value in Australia now at $794,000, many young Australians feel like they’ll never be able to enter the property market. However, it’s important to remember there’s no one-size-fits-all approach to buying your first property. For some, it could be a home to live in. For others, rentvesting…

Refinancing your home loan: how does it work?

19 January 2024

When you’re busy with life, refinancing can seem like a hassle. However, with a mortgage broker to guide you through the process, it doesn’t have to be! Refinancing may allow you to switch to a more competitive home loan, thereby potentially saving you money in interest. It can also help you achieve other goals, like…

Smart Investing for the Budget-Savvy

18 August 2023

Perth property investment market is going very well, much of this success is to do with the WA property markets affordability in comparison to other states. Is a small budget holding you back from property investment? Think again! So you might be surprised to learn that you don’t need a hefty bank balance to dive…

Home Settlement Process – What you should know

03 July 2023

There’s nothing quite like the buzz of seeing those words in your inbox: Confirmation of settlement of your property purchase. Settlement day can be both exciting and stressful. But once the formalities are done, it’s all worth it. If you’re planning a property purchase and are new to how settlement works, here’s a rundown. What…

Credit Report 101: A Beginner’s Guide

22 June 2023

Have you ever wondered how lenders decide whether to grant you that coveted home loan? Your credit report holds significant importance in their decision-making process. Think of it as your financial report card, showcasing your payment habits and borrowing history. Since the introduction of the Comprehensive Credit Reporting (CCR) rule in 2019, your credit report…

6 questions to ask your mortgage broker

07 February 2018

Did you know that your mortgage broker can help you with a lot more than a home loan? Mortgage brokers are qualified as ‘credit advisors’, so we can be of great benefit to you in a variety of different ways when it comes to your finances. To start you thinking about maximising your financial goals…

How to beat the urge to splurge

22 November 2017

Christmas is just over the horizon and decorations are already starting to appear at the local shops. It’s a time of year where it’s almost common practice to splurge so it is time for a Christmas budget ! Marketers are all working hard to encourage you to buy, buy, buy and you may have already…

Refinance your Investment property loan?

08 October 2017

The clever investor knows that assessing your investments regularly is key to identifying opportunities to build wealth. Knowing when to refinance an investment property could be vital to a successful strategy. So is now the time for you to refinance? Talk to us and we’ll help you to decide! Despite recent tightening around investor lending,…

A step-by-step guide to refinancing your home

22 August 2017

With a home loan it’s easy to just ‘set and forget’. But it’s sensible to review your home loan every three years or so and if savings can be made consider refinancing. We're living in a world of rapid change, where interest rates go up and down fast, new lenders emerge and more competitive lending…

Property Journey

17 March 2016

Even the shortest property journey starts with a single step. We believe that every property has a purpose - an identifiable purpose that will transport you from where you are to where you want to be. Whether you’re a single First Home Buyer, tentatively walking forward into the property market. You may be a seasoned…

Contact Us

14 July 2011

Lets chat about your home finance needs or property plans. When we help you with your home finance needs, the team at Focus Property Wealth has many years’ experience in finance and mortgage broking. Our aim is to find you the best loan for your needs and to make the process as possible! Call us…