Applying for your first loan

We asked two experts for their advice on the important things to consider when applying for a mortgage: William Johns, Senior Financial Planner and Managing Director for Health & Finance Integrated and Paul Drum, Head of Policy for CPA Australia.

Your interest rate is up to you.

Life after signing on the dotted line.

Managing a mortgage made easy.

Be aware of additional fees and charges.

Interest-only loans can have great benefits for investors – find out why.

Mortgage options for builders and renovators.

Ask these five questions before appointing a broker.

Make the most of your credit score.

The heartbeat of your loan app
Every Australian has a credit rating. This three-digit score is calculated by independent credit reporting bodies (CRBs) who use data from every bank and financial institution in the country. It’s the first (and sometimes last) thing that mortgage lenders use when deciding not just whether to offer you finance, but also how much and at what terms.