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When it comes to home ownership, we hear a lot about Millennials unable to save for a house deposit and spending their days gorging on avocados. But some Baby Boomers don’t have it so easy either.

When you refinance your home loan, it's often to get a better interest rate than you have on your current home loan, in order to pay off your mortgage faster like a pro. This will save money in the long term.

Split home loans combine fixed and variable portions of a loan to offer you the best of both worlds.

Investment property costs - ultimate guide to upfront and ongoing expenses including LMI, capital gains, stamp duty and more.

Investment property research: how understanding data can provide you with insights

Co-living property investment: a great positive cash flow investment strategy. Everything you need to know.

What is rental yield? Here's how to calculate rental yield, how to get a good rental yield and everything else you need to know.

Help to Buy shared equity - everything you need to know, including eligibility, advantages, and more.

You can use your family trust to access some home loan products. However, lenders treat family trust loans differently to standard home loans.

First home owners grant Tasmania: everything you need to know about FHOG and other first buyer concessions including stamp duty concessions and more.

It’s good to know how to estimate the value of the property you want to buy. Learn how to compare prices and properties. Find out what common mistakes you should avoid in the process.

Shared equity schemes can help first buyers get into their own homes sooner. But what are they, and how do they work?

Borrower requirements are diverse, so a feature that provides flexibility and choice for one mortgage holder may be an unnecessary cost to another.

First home owners grant western australia 2023: everything you need to know about FHOG, stamp duty concessions, and more.

One of the major hurdles to buying property in Australia for first home buyers is the cost of stamp duty, which, depending on where you’re buying, often seems almost as much as the amount you’ll need to save for the deposit.

Capital Gains Tax (CGT) is a key consideration for property investors. But what exactly is it, and how can you reduce the amount you need to pay?

What happens after my fixed rate mortgage ends? Explore your options for end of fixed terms, including re-fixing, refinancing, unlocking your loanScore and more

First home concessions Queensland (QLD): everything you need to know about stamp duty, First Home Owners Grant (FHOG), and more.

First home buyer Victoria: your guide to FHOG / first home buyers grant, stamp duty concessions/exemptions, and more.

Rentvesting Australia: the property strategy that could help you own a home sooner. Everything you need to know.

How UNO helped Aussie expat Trent navigate buying an investment property from abroad

NSW first home buyer concessions: your ultimate guide to first home owners grants, land tax, stamp duty exemptions, first home buyer choice, and more.

UNO's guide to SMSF investment properties

NSW new land tax vs stamp duty scheme - which is better?

Whether refinancing or taking out a home loan for the first time, acquiring a competitive rate could save you thousands of dollars. But should you go fixed, variable, or even a combination of the two?

Thinking about buying or selling a property off-market? Off-market properties are properties for sale that aren’t advertised to the public.

NZ Citizens can use KiwiSaver to buy a first home, but what about Australian property? Here's everything you need to know

Becoming a landlord can help you earn income to repay your investment home loan, however many new landlords miss out on the tax deductions they can claim.

Are you a New Zealander thinking about buying property across the ditch? Whether investing in Australian property from New Zealand or buying a new home to move to Australia, both are possible.

Home loans from digital lenders are a popular option for home buyers looking for an alternative to traditional banks.

Victorian mother-of-two, Megan, and her husband, Chris, recently achieved financial freedom, paying off their mortgage at the age of 35 – just 13 years after buying their home.

The owners of investment homes and apartments are potentially facing a double whammy from the coronavirus crisis. Not only are their tenants possibly facing hardship, affecting their ability to meet rent payments, investors’ themselves may face income declines thanks to the crisis.

Australia’s economic chief is encouraging home mortgage holders to ask their bank for a better home loan deal or find a new bank. In a recent speech, Reserve Bank of Australia governor Philip Lowe said he’s very pleased to see that more people are switching banks to get lower mortgage interest rates.

A part-time job won’t preclude you from getting a home loan. You’ll just need to meet some specific criteria. Find out how lenders look at people working part-time and what you can do to improve your chances of getting a loan.

Too many credit enquiries could impact your credit score and prevent you getting approved for a home loan product.

You don’t need to struggle along on your own to save a deposit for a home loan. A guarantor can grease the wheels. You could even get a 105% home loan in the right circumstances.

Calculate the benefit of a principal and interest loan over an interest-only loan for your investment property.

Bad credit affects more than the irresponsible. Bad credit can happen to anyone. Here’s how bad credit scores work, and how your score can affect your property purchase.

UNO fields questions about the First Home Owners Grant on a daily basis. Here, we break down the six most common questions we get asked, and answer them for you.

The idea of a mortgage holiday might sound attractive – who wouldn’t like a break from paying off their home loan? But this could turn into a sticky situation.

It’s bad news for the homeowner when a property enters foreclosure. However, it could mean good news for you, if you can bag a bargain. But there are some things you must keep in mind.

About to take the plunge on a home loan? This handy guide helps you prepare an application without destroying your credit score

An Automated Valuation Model (AVM) is an algorithm which uses statistical methods to value properties. An AVM is an estimate and should not be confused with a valuation from a registered property valuer.

Double-crossing mortgage holders – that is, those who shop around for a better deal – pay 30 basis points less on their home loan than those who stick to their current interest rate, uno Home Loans has found.

An insurance payout at 11 landed Leonie Fitzgerald enough money to go halves in her first property at age 18. But it wasn’t all smooth sailing from there. In the first of UNO’s Great Australian Dream series, we chat to the investment strategist about her property highs and lows.

What are the benefits of taking out a variable rate loan? What are the downsides? How do you calculate your monthly repayments? Here you’ll find out everything you need to know about variable rate home loans.

If you're looking to buy a property our comprehensive guide can help answer your questions and we can also help you secure the right home loan for you. Win!

Yes, uno allows self-employed borrowers the opportunity to choose the best home loan for their needs.

uno is a service that allows you to compare home loans intelligently, taking into account your loan amount and personal preferences, as well as complicated interest rate discount structures and mortgage broker strategies

A new report from UNO Home Loans shows Australians are wasting an estimated $4.2 billion annually on non competitive interest rates and ineffective savings tactics.

Yes, uno gives first home buyers all the information they need to find the best home loan available.

No, uno’s service is free of charge.

Yes, uno has an Australian Credit Licence through ASIC and all of our loan writers are accredited under that licence.

We will need certain documents from you to recommend home loans and complete your application, including pay slips, bank statements and tax return documents.

An Expert Review is required so that we can help you choose the a home loan that meets your needs. A review gives our experts the chance to analyse your home loan shortlist and financial situation and recommend products that suit your circumstances.

No, uno’s service is free of charge.

Traditional mortgage brokers use a set of tools that help them arrive at the home loan they recommend for you, but you often have no idea how or why they came to recommend it.

Yes, uno could help you find a better deal and save money by giving you the power to compare a range of options from major and specialist lenders across Australia.

The result has now stayed the same since mid-2016, but speculation is mounting that the RBA will make its big move later this year. The hotly debated question is whether the next move will be a cut or an increase.

Celebrating Melbourne Cup? But wait, there’s more reason to celebrate: the RBA announces that the cash rate remains at 1.50% and the NSW Government overhauls residential stamp duty.

Lenders ask for proof of your income as part of your home loan application. In cases where your payslips and tax returns don’t offer enough information, you may also need to provide a letter of employment.

A recent uno survey found that 77% of mortgage holders view refinancing as a hassle. uno’s platform removes the hassle and lets you search for a better deal on your mobile phone in 10 minutes.

With so many home loan products available, it’s often difficult to choose the best one. While mortgage brokers can help, there are several steps you can take yourself to ensure you get a good product.

A home loan can be a virtually watertight mechanism to grow your wealth – or like a leaky bucket, with much of your hard-earned money trickling into the lender’s profit pool. Here are three mortgage features that make the difference.

Melbourne artist and mother-of-two, Marnie Higgs needs no further evidence of the power of the sun on her family finances. Higgs and her husband decided to install solar panels on their family home in Blackburn South in January.

It’s been a busy week with the first of the big banks, Westpac, opting to hike rates, inciting speculation others will follow. We break down what it means for you.

Is the Coq au Vin pasture-raised? Just as the ethical food movement drastically changed the way we dine at restaurants, a financial startup is challenging the way Australians think about their super fund.

Our research shows 52% of Australians aren’t confident they’ve found the best home loan deal for them. Could you be paying too much on your mortgage?

Saving for a deposit can be extremely difficult. In some cases you can, however, secure a loan with no deposit at all. Here’s how.

Sydneysiders Sally and James recently found themselves in a pretty exciting situation. They received a windfall which was enough to pay off their mortgage. The question was, should they do it – or go on that holiday they’d been dreaming about?

To stay or not to stay. That is the question many homeowners encounter as their lives change and families expand. It’s never an easy choice to make. Here, we outline the pros and cons for staying and renovating, or selling and relocating.

There are a lot frustrated buyers out there, overwhelmed by selling agents’ tactics and sick of underquoting. Buyer’s agents exist to help these people.

Families, especially in Sydney and Melbourne, have found themselves compromised by the skyrocketing value of surrounding properties. But owners looking to upgrade to their dream home in a rising market have a few options.

A family trust might make it possible for you to invest in real estate. They are complex financial structures, so you need to know what they are and how you can use them.

Tenants have more demands than ever before. They want to ensure they receive as much as possible for the money they pay. As an investor, you’ll need to meet these demands if you want to increase how much you earn from rent payments.

What is strata, what does it cover, and are they a good investment? These pros and cons will help you make a better decision when investing.

From a 1970’s two-bedder south of Sydney to an enviable family pad in Coffs Harbour, Cath Fowler’s smart property choices have left her mortgage-free at 34. Here’s how she did it.

Did you know teachers can get better mortgage rates? Banks and home lenders are keen to offer teachers home and investment loans. Read more at UNO.

With its renowned sporting and festival culture, trendy cafés and great value property, Melbourne might very well be an investor’s dream.

The economic damage wrought by the COVID-19 crisis has forced lenders to rethink how much money they will lend for a property purchase and to whom.

The thing about loyalty is, it’s not always rewarded.

If you're one of the tens of thousands of Aussies who fixed their rates a few years ago when rates were 'never going to be lower' then you're probably one of the tens of thousands of people who are now frustrated to see rates in the mid 2s when you're probably in the high

Young people can go out and enjoy a cup of coffee and smashed avocado for brunch, and still afford to buy a house. It just needs to be a purposeful decision, says a property expert.

If you’re one of the tens of thousands of Aussies who fixed their rates a few years ago when rates were ‘never going to be lower’, then you’re probably one of the tens of thousands of people who are now frustrated to see rates in the mid 2s when you’re probably in the high 3s or even 4s. It’s time to break up with your fixed rate home loan.

Living expenses are a big factor when it comes to applying for a home loan. Your lender will want to know how much you spend each week on groceries, takeaway, coffee and the gym. But have you accounted for everything? Many people don’t realise what else is included on the list of living expenses.

There’s a trifecta happening right now in home loans. With interest rates low, property prices cooling and seven weeks to settle before Christmas, this unique moment in time would have bookies in a frenzy.

The simplest way to quickly pay down your home loan is to allocate as much income as you can to your mortgage. We've listed 3 steps to take first.

Once a property has been passed-in, everything changes. It becomes a battle of wills. Learn how you can negotiate your way to the best price.

We asked our team of brokers to break down some of the most common (and misunderstood) terms you’ll hear when applying for a home loan.

By calculating depreciation on your investment property, you may be able to claim an income tax deduction and lower your overall tax payment in a financial year.

Saving for the deposit for a new home may be one of the hardest tasks you undertake. You need to save thousands of dollars before you can get a home loan. These tips will help you get there faster.

Robyn Cott had a retirement plan – she would rent out her investment property and pay off her refinanced mortgages quickly while earning two income streams.

Most lenders don’t offer no-deposit home loans anymore – the risk attached to them is too high. However, with some lenders you can still access products with a loan-to-value ratio (LVR) of 95%.

When you refinance your loan to consolidate debt, it’s usually to save money. You may be paying off a personal loan, car loan and multiple credit cards on top of your home loan – and paying different rates of interest on all of them.

You may have heard of people using the equity they have in their home to fund their investments. Here we’ll look at what equity is and how you can use it.

Why do lenders have to offer comparison rates for their home loans? Let’s untangle the legalities so you understand what a comparison rate is and why you should expect one from your lender.

Understanding small home loan lenders and other types of institutions can help you gain an insight to their benefits and levels of risk. Find out more.

There are a lot of frustrated buyers out there, overwhelmed by selling agents’ tactics and sick of underquoting. Buyer’s agents exist to help these people.

It’s been a year of peaks and troughs for the Australian property market and today’s decision by the RBA to keep rates on hold at 1.50% is borne of a range of factors likely to shape the outcome of 2018.

Forty per cent of Aussie mortgage holders don’t know the interest rate they’re paying on their home loan and are likely to be paying off their mortgage at a much higher rate than they should be.

Lenders mortgage insurance comes to your rescue when you can’t make a large deposit. It can help you to buy your first home faster.

How much a lender will let you borrow varies from bank to bank, but it will broadly depend on your income, living expenses, existing loan repayments as well as a few other variables.

We’d all like more cash to put towards our home loan or house deposit. Here are five money-saving apps to help you save on a day-to-day basis.

The idea of moving to greener pastures and setting up a hobby farm may appeal to you. However, it’s often difficult to finance the venture. You may find that many lenders won’t offer you a standard home loan for your hobby farm.

Like many parents, Christine Freney wanted to help her kids on the path to home ownership. But it’s never been more difficult for young people to secure an affordable home. Find out how UNO helped Christine and her son secure the perfect loan – together.

The Block winners Shannon and Simon Vos know a great deal about homes and renovating but admitted they weren’t so savvy when it came to home loans.

You may have multiple options available to you when looking for a home loan – which can make it difficult to choose the right one.

If you are suffering financial hardship as a result of the coronavirus pandemic you are allowed to withdraw $10,000 before June 30 and another $10,000 between July 1 and September 24 out of your superannuation account to help you through the hard times.

Changing interest rates can come back to hurt you if you have a standard variable rate home loan. A split mortgage offers a middle-ground, but you need to keep a few things in mind before applying for one.

If you’re the sole employee of your own company, you can apply for a low doc home loan. To assess your finances, lenders will ask you to provide your ABN.

When you refinance your home loan, it’s often to get a better interest rate than you have on your current home loan, in order to pay off your mortgage faster like a pro. This will save money in the long term.

We've got the tips and tricks to help you win at auction. Visit our official site and learn more about how to bid at auction.

Buying a foreclosed property is not the same as buying a regular property. These 5 easy tips will help you win at buying properties at low prices.

Buying a first home is a very personal decision, because everyone’s tastes and needs are different.

Are you on an interest-only loan? While it’s generally investors who are, 1 in 4 IO loans are actually taken out by owner-occupiers. With 200,000 IO loans set to expire in the next few years, these people need to consider their options.

A changing industry presents opportunities to review the way brokers deliver ongoing value to customers, says UNO CEO Anthony Justice.

UNO Home Loans can help any first home buyer, such as 34-year-old David from NSW, get a loan that suits individual needs. See our mortgage calculator.

With our states in and out of lockdown, and many of us spending more time at home, Aussies have been rushing to 'spring clean' their home loan. Why? Because Aussies are realising that staying just a little more active on their home loan can mean some seriously big savings.

Engaging a mortgage broker to help with getting your home loan can make a lot of sense. But how do mortgage brokers work? Click to learn more.

You can upload documents through the uno website. Either take a photo or scan the documents in your computer or smartphone.

You can invite your partner to share your uno account within the Settings section of your uno dashboard, when you’re logged in.

We provide information to the big question everyone's asking - should I buy or rent? Our pros and cons will help you determine which option is better and cheaper. Win!

“Oftentimes our conveyancer was atrocious with her availability and guiding us as first home owners through the process, so UNO would act in that role.”

Want to know how long refinancing your home will take? Curious to know if you could get it done by the end of 2020? Find out more at the UNO website.

To build your own property, you’ll usually have to apply for a construction loan, which differs to a regular home loan. Most lenders release the money in instalments, relating to each stage of construction.

Will investors continue to slay in 2018 or is it finally the time for first home buyers to capture a piece of the property market?

As the COVID-19 crisis subdues the economy, many people are losing their jobs or having their hours and incomes cut. Fortunately, the government is offering financial assistance to help people through the tough times. Here’s what you need to know.

Most Australians think they’ll own their homes outright by the time they retire, but a new report details how mortgage debt among older Australians blew out by 600% between 1987 and 2015.

Your home loan is likely going to be the biggest debt you have in your life. Getting it repaid quickly frees up your money for other things.

On the face of it buying a property at auction looks simple - the property is sold to the highest bidder. But as many stressed out property buyers will tell you, its more complicated than it looks. If you want to be the successful bidder and secure your ideal home or investment property, you need

Fintech companies are leading the digital revolution. From splitting the bill with friends to buying your first home, fintechs are disrupting traditional models to bring customers a better user experience. Here are six local disruptors to look out for.

The simplest way to minimise interest repayments over the life of your loan is to allocate as much income as you can to your mortgage while resisting the urge to reborrow anything through a redraw facility.

Australian credit history files are maintained by VEDA. On request, VEDA will provide a copy of your credit history to yourself or any third party you authorise.

A bad credit report could prevent you from accessing home loan products. All is not lost though, as there are several things you can do to repair your credit.

You can write a note along side a document to let us know if a document should be removed and we’ll do that for you.

Most lenders won’t let you take a home loan on a display home. Still, you can finance this type of property in several ways.

Working with mortgage brokers offers you access to an array of home loan products and lenders. However, you may be wary of the fees your broker charges. This breakdown will tell you everything you need to know.

Are you a first home buyer and have no idea where to begin? Our guide will show you all the basic information you need to know and kickstart your home loan journey.

With restrictions easing, we are slowly seeing the return of potential buyers attending live auctions and viewings which means there is more competition when it comes to selling your home. test

Lenders may let you borrow money in a different currency, but only under certain conditions. Find out why.

It‘s a question all borrowers ask themselves: How can I get the best possible deal on my home loan?

Embrace the feeling of buying your perfect home when you follow our 5 easy steps. Discover more at our official site.

A number of home loan lenders have announced financial relief packages to assist those affected by COVID-19. We have compiled a list of lenders, contact numbers and links to their websites to help you get in touch quickly and get the support you need.

The COVID-19 crisis hit Jeremy Fleming and his company Stagekings harder and faster than most other businesses.

The RBA’s recent commentary is a sobering bulletin for all property investors

Kit homes aren’t the same as regular new builds. Instead of building from scratch, you construct a kit home using prefabricated parts. However, many lenders are wary of kit homes and may not offer you the home loan product you want.

Are you on a mission to buy property? Well get this in your ears, and turn up the volume - because The Floor Plan is about to make your weekends easier and your finances brighter. Listen for free here.

Could you get a better mortgage deal and save a bunch of money without all the unnecessary hoopla? By refinancing, absolutely.

“All I was doing was servicing my old loan. I didn’t know I was allowed to use the equity to buy other things.”

Andrew Niklaus, who has been deaf since birth, used UNO’s online chat function to find his ideal home loan. This is his story.

Bridging loans allow you to own 2 properties at once – the home you just bought and the home you need to sell to pay for it. Learn how bridging loans work.

Canny sports stars have turned their success into glass, steel and timber. Explore the impressive property portfolios of Australia's sporting stars.

With Australia's average house price ever rising, it may surprise you what $775,000 buys in Australia and around the world. Click to find out.

When it comes to building your own home, what sort of loan do you need? And will it be any more difficult to get than a home loan for a property already built? Let’s find out.

Run down and unloved properties aren't always appealing; but these renovation specials can offer great value. Click and learn how to spot the hidden gems.