CHRIS APPLEFORD BLOG

As home finance experts, we love keeping Australians like you up to speed on finance news, home advice and tips to grow your wealth.

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    RBA Rate Announcement

    Loan Market Executive Chairman Sam White said today’s historic cash rate cut by the Reserve Bank of Australia should encourage borrowers to review their current loans. Mr White believed banks and other lenders would be competitive in attracting new customers in the wake of the RBA’s 15 basis p...

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    Borrowers could have better odds

    The biggest changes to lending in Australia are being debated right now, and the winner could very well be first home buyers. If these changes come to pass, what will it mean for you?

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    The missing piece in most property hunting

    Buyers have been extremely active during COVID and many are finding that the difference between securing the property they like or losing out is the speed of getting pre-approval sorted. Turns out, not all lenders are sprinters.

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    Slow lenders are costing buyers their advantage

    During the real estate buying flurry that we’ve experienced during COVID, we keep hearing the same story. Not from my clients, or Loan Market's clients, but would-be buyers who keep missing out.

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    What does it mean for you?

    With tax cuts brought forward, you could see some cash back in your pocket. Want to know what other benefits the 2020-21 budget has in store?

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    Five things your clients need to know about the 2020-21 budget

    Get the low down of the 2020-21 budget, what it means for your clients and how I can help.

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    Why so many Australians are building rather than buying in 2020

    There’s a land rush happening across Australia bolster by grants and incentives, and premium house prices. Lofty property prices - thanks to general scarcity of stock and buyers making the most of low interest rates - and a raft of compelling building and first home buyer incentives have turned t...

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    The process of building a home and growing a baby are not so dissimilar.

    After you’ve saved for stamp duty and a deposit, secured land and loan, the journey of creating a new home averages about nine months - give or take. And just like parenthood, building a home from scratch, the trials and rewards are part and parcel of the journey.

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    Building a home requires a special type of loan.

    Just as moving into an existing home is simpler than creating one from scratch, a construction loan has more processes and complexities than a standard mortgage, Never fear, the experts are here to handle it for you. We can ensure a seamless process from the dream to the dream home.

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    Common misconceptions about HomeBuilder

    Whether you’re renovating or relocating this year, this $25,000 sum is helping lots of buyers and owners grow their property assets during a pandemic. I’m finding that - in the absence of overseas travel - my clients are focusing on property this year, and the HomeBuilder scheme (plus record low ...

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    How to get lenders to fall in love with you

    Good habits are gold. And it’s never too late to start, even if business is down, your hours have been cut back, or you’re receiving government assistance. I can help you get into a position where lenders still consider you a possibility.

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    Two letters, but a world of difference

    It’s only two letters that separate these two professions, but for your clients it could be a costly distinction. Read on as we break down the shifts.

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    Let's break down the shifts

    I find capturing the movements of the various markets so beneficial for my clients, particularly those who are looking to invest outside the local area. Read on as I break down the shifts.