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Mortgage and investment insights for Australians at home and across the globe.

6 Home Loan Tips for Repatriating Australian Expats - Ally Home Loans

6 Home Loan Tips for Repatriating Australians

6 Home Loan Tips for Repatriating Australians Returning to Australia after living abroad is an exciting journey, but it also comes with its fair share of financial challenges. As you settle back into life Down Under, one of the most important aspects to consider is optimising your home loan to ensure financial stability and efficiency. […]

Stronger Australian Dollar & Your Borrowing Power - Ally Home Loans - Australian Expat Mortgage Brokers

How A Stronger Dollar Impacts Your Borrowing Capacity

How A Stronger Dollar Impacts Your Borrowing Capacity As an Australian expat, you’re likely well-versed in the complexities of living and working abroad. One of the significant financial considerations you may face is how currency fluctuations impact your wealth and investments. The Australian dollar (AUD), like many other currencies, can be volatile, and its strength […]

New Financial Year Home Loan Health Check - Ally Home Loans

New Financial Year Home Loan Health Check

New Financial Year Home Loan Health Check As we usher in a new financial year, it’s the perfect time for Australian homeowners to review their home loans. Whether you’re looking to save on interest, optimise your repayments, or unlock equity, a thorough home loan review can provide significant financial benefits. Here’s a step-by-step guide to […]

Key Tips for Buying Australian Property at Auction - Ally Home Loans - Australian Expat Mortgage Brokers

Key Tips for Buying Property at Auction

Key Tips for Buying Property at Auction Buying property at auction can be an exhilarating yet daunting experience, especially if you’re new to the process. However, with the right preparation and understanding, you can navigate auctions with confidence and increase your chances of securing your dream home or investment property. This guide will provide you […]

Why Australian Property is a Hedge Against Inflation - Ally Home Loans - Australian Expat Mortgage Broker

Why Australian Property is a Great Hedge Against Inflation

Why Australian Property is a Great Hedge Against Inflation Have you ever wondered how to protect your wealth from the eroding effects of inflation? With the cost of living on the rise, finding a secure investment that can keep pace with or even outperform inflation is crucial. One such investment that has consistently proven to […]

Secure an Australian Mortgage from Singapore - Ally Home Loans

Securing an Australian Mortgage from Singapore

Securing an Australian Mortgage from Singapore For many, Singapore is their home for professional reasons, to progress their career, to start a business, and even to travel from the world’s best airport. But for many Australian expats, and Singaporeans, securing a mortgage to buy property back in Australia is a crucial financial goal. This blog […]

Reasons for Home Loan Rejection After Pre-Approval - Ally Home Loans - Australian Expat Mortgage Brokers

Common Reasons for Home Loan Rejection After a Pre-Approval

Common Reasons for Home Loan Rejection After a Pre-Approval Securing a home loan pre-approval can be an exhilarating milestone. It shows that a lender has reviewed your financial situation and determined you’re likely to be eligible for a certain loan amount. With a pre-approval in hand, you can shop for homes with confidence, knowing your […]

Australian Budget 2024 for Mortgage Holders - Ally Home Loans - Australian Expat Mortgage Brokers

Australian Budget 2024 for Mortgage Holders

Australian Budget 2024 for Mortgage Holders The Australian Federal Budget 2024-25, delivered by Dr. Jim Chalmers, brought forth significant changes, especially with the implementation of the Stage 3 tax cuts. These cuts are set to reshape the financial landscape for many Australians and Australian expats, particularly mortgage holders. Here’s an in-depth look at how these […]

Mortgage Tips for Australian Expats in the UAE - Ally Home Loans - Australian Expat Mortgage Brokers

Mortgage Tips for Australian Expats in the UAE

Mortgage Tips for Australian Expats in the UAE If you’re an Australian expat living in the UAE, diving into the property market back home can feel like navigating a labyrinth. You’re not just dealing with the usual hurdles of buying property; you’re doing so from thousands of miles away, across different legal systems and financial […]

2024 End of Financial Year Strategies for Australian Expats - Ally Home Loans

2024 End of Financial Year Strategies for Property Investors

2024 End of Financial Year Strategies for Property Investors As the financial year draws to a close on 30 June 2024, it’s crucial for you, as a property investor, to strategise effectively to maximise your returns and minimise your tax liabilities. The past year has undoubtedly brought its set of challenges, from fluctuating market conditions […]

RBA Cash Rate & Inflation - Ally Home Loans - Australian Expat Mortgage Broker

The RBA Cash Rate & Inflation in Australia

The RBA Cash Rate & Inflation in Australia Inflation-a term that often buzzes through news headlines, affecting everything from the prices at your local supermarket to the interest rate on your mortgage. But how exactly does it connect to the Reserve Bank of Australia’s (RBA) Cash Rate, and more importantly, what does it mean for […]

8 Tips to Secure a Mortgage for Australian Expats in Dubai - Ally Home Loans

8 Tips to Secure an Australian Mortgage as an Australian Expat in Dubai

8 Tips to Secure an Australian Mortgage as an Australian Expat in Dubai Securing a mortgage in Australia while you’re living in Dubai can seem like navigating through a maze without a map. Whether you’re planning to invest in property back home or thinking of securing a future residence for when you return, understanding the […]

8 Tips to Secure a Loan as an Australian Expat in Hong Kong - Ally Home Loans - Australian Expat Mortgage Brokers

8 Tips to Secure an Australian Expat Mortgage as an Expat in Hong Kong

8 Tips to Secure an Australian Expat Mortgage as an Expat in Hong Kong Have you ever considered investing in Australian real estate? Whether you’re looking for a picturesque holiday home, a lucrative rental property, or perhaps even planning a future move down under, the appeal of Australian property is undeniable. As a resident of […]

Why Property Investors Should be Bullish for 2024 - Ally Home Loans

Why Property Investors Should be Bullish for 2024

Why Property Investors Should be Bullish for 2024 Could this be a transformative year for the Australian property market, a scenario with promise and potential..? As you navigate the complexities of real estate investment, understanding the undercurrents shaping the market becomes imperative. The Australian property landscape, known for its consistent growth and resilience, is once […]

Bank Valuations vs Market Valuations - Ally Home Loans

Understanding Property Worth – How Bank and Market Valuations Differ in Australia

Understanding Property Worth – How Bank and Market Valuations Differ in Australia Welcome to the world of property valuations in Australia! Whether you’re a seasoned investor or taking your first dip into the real estate market, understanding the ins and outs of property valuations is crucial. In this guide, we’ll unravel the mystery behind market […]

What is Cross Collateralisation of Australian Property - Ally Home Loans

What is Cross Collateralisation for Australian Property

What is Cross Collateralisation for Australian Property You’ve likely heard the term “cross-collateralisation” thrown around in discussions about property investment and finance, especially if you’ve dipped your toes into the Australian property market. But what exactly does it mean, and how does it affect you as an investor or homeowner? In this deep dive, we […]

8 Signs to Stop Renting & Buy - Ally Home Loans - Australian Mortgage Brokers

8 Signs You Should Stop Renting and Buy Your Own Home

8 Signs You Should Stop Renting and Buy Your Own Home In Australia, we often view home ownership as more than just a transaction, it’s often viewed as a rite of passage. With rising rental prices, limited supply of new options, and inflation overall, many are exploring the question – “Should I continue to rent, […]

Average Mortgage Cost in Australia - Ally Home Loans - Australian Expat Mortgage Brokers

How Much the Average Australian Mortgage Costs

How Much the Average Australian Mortgage Costs Understanding the ins and outs of mortgage costs in Australia is crucial whether you’re stepping onto the property ladder for the first time or considering your next investment in real estate. The dream of owning a home down under is shared by many, but what does it actually […]

Converting Investment to Owner Occupier Loan - Ally Home Loans

Converting an Investment Loan to Owner-Occupied

Converting Your Investment Loan to an Owner Occupier Loan Welcome back to Australia! If you’re among the fortunate expats returning home and considering moving into what has been your investment property, you’re about to embark on an important financial journey. The transition from an investment loan to an owner-occupier loan is a key step, filled […]

Safe as Houses - Is Property a Safe Investment - Ally Home Loans - Australian Expat Mortgage Brokers

Safe as Houses – Is Property a Safe Investment

Safe as Houses – Is Property a Safe Investment When it comes to investing your hard-earned money, the sheer number of options available can be overwhelming. Stocks, bonds, cryptocurrencies-the list goes on. However, nestled comfortably among these options, and often emerging as a frontrunner for many Australians, is residential property investment. You’ve likely heard the […]

Interest Only vs Principal & Interest Loans - Ally Home Loans

Is Interest-Only or Principal & Interest Better for Expats in 2024

Is Interest-Only or Principal & Interest Better for Expats in 2024 Embarking on the journey of property investment in Australia presents a range of opportunities and decisions. One of the most pivotal choices you’ll face is selecting the right financing option. In the realm of property investment, understanding the nuances between Principal & Interest (P&I) […]

Will Stage 3 Tax Cuts Increase my Borrowing Capacity - Ally Home Loans

Will the Stage 3 Tax Cuts Boost My Borrowing Capacity

Will the Stage 3 Tax Cuts Boost My Borrowing Capacity Imagine you’re about to make one of the most significant financial decisions of your life-securing a loan, perhaps for a new home or to expand your business. Now, imagine that decision being made a little easier, thanks to a shift in the tax landscape known […]

Mortgage Tips for Australian Expats in the US - Ally Home Loans

Mortgage Tips for Australian Expats in the US – Ally Home Loans – Australian Expat Mortgage Brokers

Mortgage Tips for Australian Expats in the US – Ally Home Loans – Australian Expat Mortgage Brokers As an Australian expat living in the U.S., the thought of refinancing an existing property or securing a new investment loan in Australia can seem daunting. The distance, the difference in financial systems, the intricacies of credit policy, […]

Australians in Hong Kong Mortgage Guide - Ally Home Loans

How Can Australian Expats in Hong Kong Secure an Australian Mortgage

How Can Australian Expats in Hong Kong Secure an Australian Mortgage Welcome to your comprehensive guide on navigating the Australian home loan market as an Australian expat living in Hong Kong. If you’re considering investing in Australian property from abroad, you’ve probably encountered a unique set of challenges. This guide is tailored to help you […]

How to Choose an Australian Expat Mortgage Broker - Ally Home Loans

How to Choose a Mortgage Broker for Australian Expats

How to Choose a Mortgage Broker for Australian Expats As an Australian expat, navigating the complexities of buying a property back home can be a daunting task. The importance of selecting a reliable and knowledgeable mortgage broker in this process cannot be overstated. This guide is tailored specifically for you, to help you find the […]

Is a Novated Lease Right For You - Ally Home Loans - Australian Expat Mortgage Brokers

Is a Novated Lease Right for You? Weighing the Pros & Cons

Is a Novated Lease Right for You? Weighing the Pros & Cons You’ve probably heard about novated leases, especially given their growing popularity in recent years. In fact, in the September quarter of 2023, novated leases made up a significant 31% of all car loan/lease settlements, reflecting a 14.4% increase from the previous year​​. But […]

Interest Rates in 2024 - Ally Home Loans - Australian Mortgage Brokers

Interest Rate Insights – What to Expect in Australia in 2024

Interest Rates in 2024 – Ally Home Loans – Australian Mortgage Brokers Where will interest rates go in 2024? Will mortgage holders be granted some reprieve with rate cuts from the RBA this year? The role of interest rates in shaping the economy cannot be overstated, affecting everything from personal savings to business investments. In […]

Why Aussie Expats Choose a Mortgage Broker - Ally Home Loans

Why Most Aussie Expats Choose to Use a Mortgage Broker

Why Most Aussie Expats Choose to Use a Mortgage Broker As an Australian expat, you’re part of a growing trend where more and more Aussies abroad are turning to mortgage brokers for property financing. This shift is not just a fad; it’s a response to the unique challenges you face in the complex world of […]

Decoding the Buffer Rate - What Borrowers Should Know - Ally Home Loans

Decoding the Buffer Rate – What Borrowers Should Know

Decoding the Buffer Rate – What Borrowers Should Know If you’re an Australian mortgage holder or considering diving into the property market, understanding the buffer rate is crucial. It’s a term you might have come across, but what does it really mean for you? In this comprehensive guide, we’ll unravel the mysteries of the buffer […]

Loan Pre-Approval - What Happens Next - Ally Home Loans

Loan Pre-Approved, Property Found – What’s Next

Loan Pre-Approved, Property Found – What’s Next Congratulations! You’ve successfully navigated the early stages of the Australian home buying process. With your loan pre-approved and the perfect property in sight, you’re on the cusp of realising your dream. But what exactly comes next? This blog post walks you through the journey from this point onwards, […]

Queensland Doubles First Home Buyer Grant to $30,000 - Ally Home Loans

Queensland First Home Buyer Grant Doubled to $30,000

Queensland First Home Buyer Grant Doubled to $30,000 Are you dreaming of owning your first home in Queensland? Well, there’s some great news for you! The Queensland Government has just doubled the First Home Owners Grant to a whopping $30,000. This change, effective from 20 November 2023 until 30 June 2025, is a game-changer for […]

Ownership Structures for Australian Property - Ally Home Loans

Navigating Australian Property – A Guide to Different Ownership Structures

Navigating Australian Property – A Guide to Different Ownership Structures You’re considering investing in Australian residential property – a smart move in today’s economy. But, have you thought about the best way to own your investment? Understanding the different ownership structures and their implications, including tax considerations, is crucial for your success. Let’s dive in […]

RBA Rate Increase & Property Market

The Ripple Effect – Understanding the Property Market Shifts Post RBA Rate Increase

The Ripple Effect – Understanding the Property Market Shifts Post RBA Rate Increase Today, we’re delving into the intriguing world of Australia’s property market, particularly in the wake of the recent cash rate increase by the Reserve Bank of Australia (RBA). You’re likely aware that as of November 2023, the RBA has raised the cash […]

Currency Fluctuations & Your Australian Mortgage - Ally Home Loans

The Impact of Currency Fluctuations on Your Australian Mortgage as an Expat

Currency Fluctuations & Your Australian Mortgage – Ally Home Loans Understanding the ebb and flow of currency values is more than a matter of financial literacy-it’s an essential survival skill for managing your Australian mortgage from overseas. Imagine you’re sitting at a café in London, sipping your morning coffee, when you receive a notification about […]

Australian Expat Mortgage Options - Ally Home Loans

Australian Expats – Understanding Your Mortgage Options Abroad

Australian Expats – Understanding Your Mortgage Options Abroad As an Australian expat, navigating the world of mortgages abroad can be a daunting task. You’re not just dealing with a new country’s laws and regulations, but also trying to find the best financial deal in an unfamiliar market. Understanding your mortgage options is crucial in making […]

Do Australian Expats Really Need to Lodge a Tax Return

Do Australian Expats Really Need to Lodge a Tax Return

Do Australian Expats Really Need to Lodge a Tax Return First things first, understanding your tax obligations as an Australian expat is crucial. It’s not just about compliance; it’s about ensuring you’re not paying more than you need to. Many expats have misconceptions about their tax responsibilities, and we’re here to clear the air. Determining […]

SMSF Property Investment for Australian Expats - Ally Home Loans

The Obstacles of SMSF Property Investment for the Aussie Expat

The Obstacles of SMSF Property Investment for the Aussie Expat Imagine having the power to manage your retirement savings and the allure of investing in property. That’s what a Self-Managed Super Fund (SMSF) offers. However, for the Australian expatriate, the journey isn’t as straightforward. Let’s delve deeper into the world of SMSFs and the unique […]

Pros & Cons of Offset Accounts for Australian Expats - Ally Home Loans - Australian Expat Mortgage Brokers

The Pros and Cons of Offset Accounts for Australian Expats

The Pros and Cons of Offset Accounts for Australian Expats If you’re an Australian expat, you’ve probably heard about offset accounts and might be wondering if they’re a good fit for you. These accounts have gained significant traction among the expat community, and for a good reason. In this comprehensive guide, we’ll delve deep into […]

ROI of Home Renovations - Ally Home Loans - Australian Expat Mortgage Brokers

The ROI of Home Improvements – Which Renovations Offer the Best Returns

The ROI of Home Improvements – Which Renovations Offer the Best Returns Have you ever considered giving your home a facelift? If you’re like many homeowners in Australia, you’ve probably toyed with the idea of renovating. But here’s the million-dollar question: Which renovations truly pay off? In this blog we explore the world of home […]

Saving a Deposit in Australia - Ally Home Loans - Australian Mortgage Brokers

The Great Australian Dream – How Long It Takes to Save for a Home in Each Capital City

The Great Australian Dream – How Long It Takes to Save for a Home in Each Capital City You’ve probably dreamt about it – owning your piece of the Australian dream. Homeownership, a yard, maybe a patio to enjoy those summer barbecues. But like many, you’ve likely noticed the climb of property prices in Australia’s […]

Fees and Costs of Refinancing - Ally Home Loans - Australian Expat Mortgage Brokers

Quick Guide to Fees & Costs of Refinancing

Quick Guide to Fees & Costs of Refinancing Navigating the world of refinancing can seem daunting, especially with the myriad of costs and fees that could pop up along the way. However, equipped with the right knowledge, you can make informed decisions that benefit your financial future. In this detailed guide, we’ll deep-dive into the […]

Increase Borrowing Capacity as an Australian Expat - Ally Home Loans

Unlocking Greater Borrowing Capacity – Strategies for Australian Expats in a High-Interest Rate Era

Unlocking Greater Borrowing Capacity – Strategies for Australian Expats in a High-Interest Rate Era You’ve probably felt the ripple effects of the global financial shifts, especially if you’re an Australian expat. The world of finance is ever-evolving, and sometimes, it can feel like you’re trying to catch up with a train that’s already left the […]

Property Investment & Permanent Residency - Ally Home Loans - Australian Expat Mortgage Brokers

How Investment Properties Could Pave Your Way to Permanent Residency

How Investment Properties Could Pave Your Way to Permanent Residency Ah, Australia! A land of endless opportunities, stunning landscapes, and a robust economy. If you’ve ever dreamt of calling this beautiful country home, you’re not alone. Many are drawn to the idea of investing in Australia’s property market, not just for its potential returns but […]

From an Expat Mortgage Broker – Top Strategies to Benefit from a Declining AUD

From an Expat Mortgage Broker – Top Strategies to Benefit from a Declining AUD If you’ve been keeping an eye on the Australian Dollar (AUD) lately, you’ve probably noticed its recent decline. While this might seem alarming at first, especially if you’re an Australian expat, it’s not all doom and gloom. In fact, as an […]

Getting an Australian Home Loan as a Foreigner - Ally Home Loans - Australian Expat Mortgage Brokers

Can I Get an Australian Mortgage as a Foreigner

Can I Get an Australian Mortgage as a Foreigner..? Are you a non-resident looking to buy a home in Australia? If so, you may be wondering what mortgage documents you need to provide when applying for a mortgage. The allure of owning a piece of property down under is attractive to many, but the process […]

Limited Supply & Rising Prices in Australia - Ally Home Loans

Limited Supply, Rising Prices – Smart Moves for Australian Renters & Buyers

Limited Supply, Rising Prices – Smart Moves for Australian Renters & Buyers Welcome to the whirlwind of the Australian property market in 2023! If you’ve been trying to make heads or tails of the housing landscape, you’re not alone. Prices are soaring, and the available properties are few and far between. Let’s delve deep into […]

New Financial Year Property Market Update 2023-24 - Ally Home Loans

New Financial Year Property Update 2023-24

New Financial Year Property Update 2023-24 We are well and truly into the new financial year now, and with it, a host of changes that could impact you as a homeowner or property investor in Australia. This blog post aims to provide a comprehensive overview of the key changes in the FY2023-24 that could affect […]

Immigration Boom & Property Prices in Australia - Ally Home Loans- Australian Mortgage Brokers

The Immigrant Boom – Australia’s Housing Prices on the Rise

The Immigrant Boom – Australia’s Housing Prices on the Rise You’ve likely noticed the recent surge in the Australian housing market, a trend that has left many of us scratching our heads. Today, we’re going to delve into a key factor that might be driving this phenomenon: immigration. In this blog, we’ll explore the theoretical […]

Why Australia Tops the List of Global Residential Property Markets - Ally Home Loans - Australian Expat Mortgage Brokers

Why Australia Tops the List of Global Residential Property Markets

Why Australia Tops the List of Global Residential Property Markets If you’re an Australian expatriate considering investing in property markets, it’s time to look back home. Australia consistently sits high on the list of top global residential property markets. This post aims to shed light on the reasons behind this trend and why you, as […]

Your Mortgage and Personal Insurances - Ally Home Loans

Your Mortgage and Personal Insurances – What You Need to Know

Your Mortgage and Personal Insurances – What You Need to Know Navigating the world of mortgages and insurance can feel like walking a tightrope. Striking the right balance between protection and affordability is crucial. In this comprehensive guide, we’ll delve into several key insurance types – Life, TPD, Income Protection, Trauma, Building, Home & Contents, […]

Aussies in the US - Mortgage Guide for Australia - Ally Home Loans

Aussies in U.S. – Your Roadmap to Australian Mortgages

Aussies in U.S. – Your Roadmap to Australian Mortgages If you’re an Aussie living and working in the United States and are contemplating buying a property back home, whether as an investment property or your future home to move into this blog post is for you. As an Australian expat, navigating the mortgage scene Down […]

Property vs Shares - Ally Home Loans - Australian Expat Mortgage Broker

Australian Expat Dilemma – Pay Down Mortgage or Invest in Shares?

Australian Expat Dilemma – Pay Down Mortgage or Invest in Shares? As an expat mortgage broker, we’ve guided many Australians like you through the financial wilderness. One question that often comes up is whether it’s better to pay down the mortgage back home or invest in stocks. Let’s unravel this knot together, shall we? Introduction […]

10 Tips to Increase Borrowing Power in Australia in 2023

10 Tips to Increase Borrowing Power in Australia in 2023 As an experienced Australian Expat Mortgage Broker, we understand the unique challenges you face when it comes to obtaining a mortgage. In this blog post, we will share ten actionable tips that will help you enhance your borrowing power in Australia in 2023. By implementing […]

Debt Recycling - Ally Home Loans - Australian Mortgage Brokers

Debt Recycling – A Homeowner’s Key to Building Wealth

Debt Recycling – A Homeowner’s Key to Building Wealth Picture this: you have a tool at your disposal that can not only help manage your existing mortgage but also potentially build your wealth. Sounds too good to be true? Not when it comes to the financial strategy known as debt recycling. This strategy can turn […]

Australian Home Loan Preapproval - Ally Home Loans

How Rising Interest Rates Could Affect Your Australian Home Loan Pre-Approval

How Rising Interest Rates Could Affect Your Australian Home Loan Pre-Approval You’re about to embark on a thrilling journey – purchasing a home in Australia. And, as the trusted Australian expat mortgage brokers, we’re here to guide you through the winding path of home loan pre-approvals and interest rates. Let’s start by picturing this – […]

Victoria Announces Land Tax & Absentee Tax Changes - Ally Home Loans

Victoria Announces Land Tax Changes for 2024

Victoria Announces Land Tax Changes for 2024 As an Australian expat, your investment properties in Victoria may be subject to recent land tax changes that have been implemented. These modifications include increases in land tax rates and the absentee (foreign) surcharge rates, which can have a significant impact on your holding costs. As a specialist […]

Time to Say Goodbye to Renting in Australia - Ally Home Loans - Australian Mortgage Brokers

10 Signs It’s Time to Say Goodbye to Renting and Hello to Homeownership in Australia

10 Signs It’s Time to Say Goodbye to Renting and Hello to Homeownership in Australia Are you tired of pouring money into monthly rent payments without any long-term benefit? It might be time to consider saying goodbye to renting and embracing the world of homeownership. Owning a home brings a sense of pride, stability, and […]

Cooling Off Periods for Australian Property - Ally Home Loans

Navigating the Cooling Off Period – A Guide to Property Purchases in Australia

Navigating the Cooling Off Period – A Guide to Property Purchases in Australia Welcome, Australian expats, to a comprehensive guide on navigating the cooling-off period when purchasing property in your home country. As you explore the process of buying real estate in Australia, understanding the cooling-off period becomes vital. In this blog post, we’ll delve […]

Refinance Your Home Loan Like a Pro - Ally Home Loans

10 Ways to Refinance Your Home Loan Like a PRO!

Top 10 Insider Tips to Refinancing Your Australian Home Loan Like a Pro Refinancing your Australian home loan can be a daunting task, but it can also be a smart move that saves you thousands of dollars over the life of your loan. However, refinancing like a pro requires knowledge, preparation, and a clear understanding […]

10 Red Flags for Your Builder - Ally Home Loans

10 Red Flags to Look Out for When Choosing a Builder in Australia

10 Red Flags to Look Out for When Choosing a Builder in Australia Building a home or renovating can be a stressful experience, and choosing the right builder is crucial to ensuring a successful project. Unfortunately, not all builders are created equal, and some may not be the right fit for your project. In this […]

The Bank Loyalty Tax – How Much Are You Really Paying for Your Home Loan?

The Bank Loyalty Tax – How Much Are You Really Paying for Your Home Loan? When you take out a home loan, you might assume that your bank is providing you with the best possible deal. After all, they’re your lender, and you’ve been a loyal customer for years. However, what you might not realise […]

10 Strategies For Paying Off Your Home Loan Faster

10 Strategies for Paying Off Your Australian Home Loan Faster (Without Breaking the Bank) Paying off a home loan can feel like an overwhelming task, especially with interest rates and repayment schedules to consider. However, there are a number of strategies you can employ to pay off your Australian home loan faster, without breaking the […]

Renovating Your Investment Property as an Australian Expat

Renovating Your Investment Property from Overseas – A Guide for Expats As an Australian expat, owning an investment property in Australia is a smart financial decision. However, owning a property requires upkeep and maintenance to ensure it retains its value and attracts high-quality tenants. Renovating your investment property can increase its value and generate higher […]

NSW Election 2023 - A Deep Dive into its Impact on Real Estate - Ally Home Loans - Australian Expat Mortgage Brokers

NSW Election 2023 – Deep Dive Into The Impact on the Property Market

NSW Election 2023 – A Deep Dive into its Impact on Real Estate The New South Wales (NSW) Election 2023 is over, and now the big question is: what impact will it have on the real estate market in the state? In this blog, we will explore the potential effects of the NSW Election on […]

Why Australian Expats See Property as a Safe Haven in Uncertain Times - Ally Home Loans

Why Australian Expats See Property as a Safe Haven in Uncertain Times

Why Australian Expats See Property as a Safe Haven in Uncertain Times As an Australian Expat mortgage broker, we’ve noticed a growing trend among expats looking to invest in the Australian property market. In these uncertain times, many expats are seeing property investment as a safe haven. In this blog post, we’ll explore why Australian […]

Understanding Home Loan Pre-Approval - A Comprehensive Guide for Australian Homebuyers - Ally Home Loans

Understanding the Home Loan Pre-Approval Process

Understanding the Home Loan Pre-Approval Process Buying a home is one of the biggest financial decisions most Australians will make in their lives. The Australian property market has remained robust, and while the cost of buying a home varies across regions, one thing remains constant – most homebuyers need a home loan to purchase their […]

The Pros and Cons of Buying a Property In a Family Trust - Ally Home Loans - Australian Expat Mortgage Brokers

Pros & Cons of Buying a Property in a Family Trust

Pros & Cons of Buying Property in a Family Trust Investing in property can be an excellent way to build long-term wealth and generate passive income. However, as with any investment, there are risks involved. One way to mitigate these risks is by purchasing property through a family trust. In this blog post, we will […]

The Pros and Cons of Investing in Australian Property in a Declining Market in 2023 - Ally Home Loans - Australian Expat Mortgage Brokers

Should I Invest in Australian Property in 2023..?

Should I Invest in Australian Property in 2023..? Are you thinking about investing in Australian property in 2023? You might be wondering whether it’s a good idea to invest during a market downturn, or whether it’s better to wait until the market improves. In this blog post, we’ll explore the pros and cons of investing […]

Queensland Land Tax Changes Coming in 2023

Queensland Land Tax Changes for 2023 Queensland has announced a significant change to the way that Land Tax will be calculated from 30 June 2023. If you own multiple properties across Australia in different states and territories, including Queensland, this change could have a significant impact on your resulting tax bill. The change was recently […]

Are Cash Back Refinance Deals a Trap..?

Are Cash Back Refinance Deals a Trap..? Are you looking to refinance your current home loan or investment property loan? Are you starting to see offers of cashback for choosing to refinance to a particular lender?   If you’re wondering whether these sound too good to be true, that’s exactly what we’ll be covering in […]

10 Top Tips to Prepare for Settlement

10 Top Tips to Prepare for Settlement Settlement day isn’t just a matter of receiving the keys to your new home or investment property and moving in, but rather a series of many steps that need to take place, and important aspects that you need to ensure you’re prepared for. Whether you’re the buyer, seller, […]

Why You Should Consider an Apartment for Your First Home

Why You Should Consider an Apartment for Your First Home “Should I buy a house or an apartment, or even a townhouse, as my first property..?” This is a common dilemma faced by many first home buyers as they consider which is the right option for them. This week our team at Loansuite explores 8 […]

Zoning Rules Across Australia

Zoning Rules Across Australia Australian property prices have seen strong performance across most of the country, and as a result, many property investors and homeowners are now exploring their options of downsizing, selling to realise the profits, refinance to release equity, and others starting to explore what their property development options may look like. It […]

Australian Rental Prices Up Nearly 10%

Australian Rental Prices Up Nearly 10% Australian property investors should be pleased to read the latest data, with Australian property rents up 8.9% in the 12 months to October 2021. This marks the largest increase in rental prices in Australia since July 2008, when Australia was experiencing the peak of the mining boom. At the […]

Is Offset or Redraw Better?

Offset Accounts vs Redraw An offset account and a redraw facility are common features for Australian home loans and mortgages, however many Australian residents and expats don’t fully understand the differences between the two and the tax consequences that can be created by using them incorrectly. This week our team at Loansuite is exploring the […]

Australian Property Price Forecasts for 2021 – 2024

Australian Property Price Forecasts for 2021 – 2024 The Australian property market continues to perform well, and those that are looking to buy either their own home or investment property will know first-hand just how quickly properties are being snapped up on the market, often for well above their listing price. In conjunction with one […]

Can Self-Employed Aussie Expats Get a Home Loan?

Can Self-Employed Aussie Expats Get a Home Loan? “I’m a self-employed Australian expat living and working abroad, can I still get a home loan in Australia..?” The good news is that the answer to this question in most instances is yes. Of the lenders that accept Australian citizens and Permanent Residents (PR) living and working […]

The Most Common First Home Buyer Mistakes

The Most Common First Home Buyer Mistakes Buying your first home will, for many, be one of the largest purchases you will make in your lifetime. Given the significance of the financial outlay, it is certainly worth taking the time to do your research, and ensure that you can avoid some of the more common […]

Where is it Cheaper to Buy than Rent

Where is it Cheaper to Buy than Rent With interest rates in Australia at historical lows, many people renting as well as Australian expats are considering buying their own home or future residence. While many are concerned about how quickly property prices across the country have risen, there are still many suburbs where it’s cheaper […]

Can I Buy Property with my Non-Australian Spouse?

Can I Buy Property with my Non-Australian Spouse? A common question that we’re asked by many of our Australian expat clients when they’re looking at buying their own home is – “My spouse / partner isn’t Australian, is there anything I need to be aware of if we want to buy the property together..?” The […]

Should I Get a Home Loan Before Repatriating to Australia..?

Should I Get a Home Loan Before Repatriating to Australia..? The past 18 months since early 2020 has caused many Australian expats to consider their plans to move back home to Australia. Whether it be concerns about job security, missing family back at home, or simply missing the freedom of being able to travel at […]

Aussie Expat Property Buyer’s Checklist

Aussie Expat Property Buyer’s Checklist Purchasing a property in Australia, whether it be for investment purposes or as your primary residence, can be a stressful experience for most. This can be even more the case for Australian expats living and working overseas trying to arrange everything from abroad, from the lender financing to the conveyancing […]

What’s a Deposit Bond & When Should I Use It

What’s a Deposit Bond & When Should I Use It The Australian property market has been in strong demand across most major capital cities over the past 6 – 12 months, and this is showing little signs of slowing down in the short term. With many properties being sold above their asking price, particularly where […]

Unlocking Equity in Your Home for Renovations

Unlocking Equity in Your Home for Renovations Are you thinking about renovating your home or investment property? Are you an Australian expat currently working abroad and starting to think about returning home, but before you do you want to renovate your existing property so that it’s ready for you to move in? Unlocking the existing […]

Proposed Tax Residency Changes for Australian Expats

Proposed Tax Residency Changes for Australian Expats The recently announced Australian Federal Budget was always expected to be a ‘cash splash’ Budget with an election just around the corner, however, what many weren’t expecting was the change to the Australian tax residency rules. The motivation behind the change is to simplify the rules for Australians […]

Fixed, Variable & Split Loans – Which is RIGHT for you?

Fixed, Variable & Split Loans – Which is RIGHT for you? Navigating the mortgage and home loan space can be a daunting task. Not only is it important to consider which lender is going to be right for you and how much you should borrow, but you also have the added consideration of whether you […]

Red Flags When Inspecting a Property

Red Flags When Inspecting a Property A key step when purchasing your own home or an investment property is to carry out an inspection of the building. Whether you’re buying your first home, or you’re an experienced investor, inspecting a house can be a daunting task. It’s important to be thorough when you’re completing a […]

What Happens to My Mortgage During Divorce

What Happens to My Mortgage During Divorce A divorce can be an incredibly difficult and emotionally stressful process for anyone to go through. When you have to start to explore how you will unravel and separate your finances, this can be made even more difficult. This is particularly true if you own an investment property […]

House & Land Packages – Pros and Cons

House & Land Packages – Pros and Cons House and land packages are by no means a new concept, but they have grown significantly in terms of their popularity amongst both investors and owner-occupiers. Of those owner occupiers surveyed, it was found that 72% would like to have the opportunity to personalise the design of […]

Pros and Cons of Rentvesting

Pros and Cons of Rentvesting Rentvesting can be an invaluable and astute strategy when applied correctly, so this week we’re exploring what rentvesting is, when you might want to consider it and what the pros and cons of such a strategy are. Rentvesting could just be the strategy that achieves your financial goal of home […]

Should I Use a Buyer’s Agent

Should I Use a Buyer’s Agent..? Two of the key questions that our clients ask us are “Should I use a buyer’s agent..?” and “Are they really worth the money..?” so this week we explore the positives and negatives of engaging a buyer’s agent. Whether you’re an Australian expat or living and working in Australia, […]

Should I Use a Property Manager..?

Should I Use a Property Manager..? Of the approximately 2 million Australian property investors, it is estimated that 75% will work with a property manager to ensure that their investment goes smoothly. There is no ‘one-size-fits-all’ approach to deciding to use a property manager or not, so this week we explore the pros and cons […]

Is it Time to Refinance Your Home Loan..?

Is it Time to Refinance Your Home Loan..? Interest rates in Australia are current at record low levels, with the Reserve Bank of Australia (RBA) deciding to keep rates on hold this month at 1%. As global tensions rise, particularly between the US and China, and growth forecasts are revised downwards, it looks increasingly likely […]

Transferring Ownership of Your Property

Transferring Ownership of Your Property There are many occasions and reasons that you may decide to transfer the ownership of your property. It’s important to consider both the financial and legal obligations and implications in these cases, to avoid any nasty surprises down the track. With the upcoming Federal election in Australia, earmarked for May […]

Can Australian Expats Still Get a Home Loan?

Can Australian Expats Still Get a Home Loan? We are often asked by Australian across the globe one very common question – “I’m an Australian expat, can I still get a home loan or investment property loan in Australia..? With all of the media hype and headlines currently spreading, it’s no wonder there is some […]

Help! My Interest-Only Loan Period is Ending

Help! My Interest-Only Loan Period is Ending There has been a great deal of media coverage about the alarming number of interest-only loans in the market place as well as the fear that many mortgage holders may face difficulty making repayments if these loans were to switch to principal and interest. This week we explore […]

7 Ways a Mortgage Broker Can Help You

7 Ways a Mortgage Broker Can Help You A common question that we often come across is this: “Why should I use a mortgage broker instead of my local bank..?” There are many answers to the question depending on your own circumstances and what you’re looking to achieve. You may also be surprised about how […]

Main Residence Exemption Update for Aussie Expats

Main Residence Exemption Update for Aussie Expats Tuesday 16th October 2018 was marked as the day that Australian expat property owners across the globe would finally discover whether the changes to the Main Residence Exemption would be passed. In positive news for Australian expats, the Senate has decided to delay debating the proposed Bill pending […]

Break Costs – What You Need To Know

Break Costs – What You Need To Know A break cost is a penalty that is payable by customers who close down a fixed-rate home loan before its expiry. It’s important to recognise that this break cost is only payable on fixed interest rate loans and not variable, therefore it’s important to consider how you […]

Offset Accounts vs. Redraw

Offset Accounts vs. Redraw One of the common questions our clients often ask is “Should I use an offset account or redraw facility..?” There isn’t a short answer, but rather it’s important to understand the implications of either one to ensure that your strategy aligns with your financial goals. Let’s start by looking at what […]

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