Fundli

Footy finals are here, which means half the country is hosting and the other half is trying to get out of hosting.

Whether you're currently squeezing extra chairs into the lounge room or just hoping for a quiet couple of days, it's a good time to look at the space around you. If your "home ground advantage" is feeling a little cramped, or the idea of hosting feels overwhelming because your current setup just doesn't flow, it might be time to think about your next move.

Whoever you're backing, enjoy the game. And if you want to tackle your property goals next season, let's chat.

https://fundli.com.au/contact/

When you apply for a home loan, it can feel like a bit of a mystery how lenders decide to give the green light. Banks generally assess applications against what are known as the '5 Cs of Credit' to build a picture of your situation:

Character: Your track-record for paying debts on time and your willingness to repay.

Capacity: Your ability to repay the loan, based on your income and existing debts.

Capital: Your net worth and the value of assets you can offer.

Collateral: The property you are purchasing or using as security.

Conditions: The overall economic climate and how it affects your stability.

Knowing how lenders assess these factors can help you prepare a stronger application. Want to make sure you put your best foot forward? Reach out.

Home loans often end up in the "set and forget" basket, but that's rarely the best strategy. Markets change, lenders update their offers, and your personal goals evolve.

Refinancing isn't just about chasing a lower rate - it's about ensuring your loan still works as hard as you do. If it's been more than 12 months since you last checked in, it's worth a quick review to see if you're still getting a good deal for your current situation.

We can compare your current loan against what's available right now and tell you straight if it's worth making a move.

https://fundli.com.au/contact/

Home loans often end up in the "set and forget" basket, but that's rarely the best strategy. Markets change, lenders update their offers, and your personal goals evolve.

Refinancing isn't just about chasing a lower rate - it's about ensuring your loan still works as hard as you do. If it's been more than 12 months since you last checked in, it's worth a quick review to see if you're still getting a good deal for your current situation.

We can compare your current loan against what's available right now and tell you straight if it's worth making a move.

https://broker.loanmarket.com.au/fundli/home-loans/refinancing/

The kids have moved out, the extra bedrooms have become storage and the garden has gotten a bit much to keep up with, sound familiar?

It is a common story. In fact, there are roughly 13 million empty bedrooms sitting in Australian homes right now. That is 3.2 million homes with one spare, 3 million with two, and 1.2 million with three or more.

If you are an empty nester sitting on all that unused space, spring could be the time to consider downsizing. Listings are strong, buyers are active, and a smaller, simpler home might free up more capital than you expect, while helping address the demand for family housing elsewhere.

If you are weighing up whether the numbers make sense to move on to your next chapter, that is exactly the kind of conversation we are good at.

Talk to us.

The kind of finance that got your business off the ground won't necessarily be the same as the finance you need to scale.

As your business evolves, the way you fund it needs to adapt. For example, your finance journey could look like:

🚀 Launch: Equipment finance to get you the gear you need to start.
📈 Growth: A term loan to help you seize new opportunities as they arise.
📊 Scale: Invoice finance to smooth out the cash flow gaps from bigger contracts.

We specialise in matching the right solution to the stage you are at right now.

It is R U OK Day - a powerful reminder to check in on the people around you, your colleagues, your friends and your family. A simple, genuine conversation can make a massive difference. You don't need to be an expert to ask, "Are you OK?" and simply listen with an open mind. Let's support each other today and every day.

Reach out, check in, and let someone know you're there for them.

To the Dad who treats every life decision like a financial audit. The one who has been offering "strategic advice" since the 90s, whether or not you actually wanted a second opinion. He's never worked in finance, but he's convinced you should have checked the fine print with him first. And the most annoying part? He's usually right. Happy Father's Day to all the dads and caregivers. 💙

If you have a few credit cards, a car loan or even some lingering buy-now-pay-later services, keeping track of all those different repayment dates and interest rates can be a headache.

Debt consolidation is a strategy that could simplify things by rolling them into one regular repayment.

It is about simplifying your life and taking back control of your cash flow.

Reach out to see if debt consolidation is right for you.

Ever heard the term Loan-to-Value Ratio, or LVR? It’s a key number to know when you're looking at home loans.

Simply put, your LVR is the percentage of the property's value that you need to borrow. For example, if you buy a home valued at $500,000 and borrow $400,000, your LVR sits at 80%.

Here is why that number matters to you:
💰 Better rates: A lower LVR means you’ve put down a larger deposit, which could open the door to more competitive interest rates.
🛡️ Lenders Mortgage Insurance (LMI): If your LVR is above 80%, you may need to pay LMI. This is an extra cost that protects the lender, not you.
📏 Borrowing power: Your LVR plays a big role in how comfortable a lender is with your application and how much they are willing to let you borrow.

If you want to calculate your potential LVR or see how it impacts your options, let’s have a chat.

*Source: Money.com.au