MoneyQuest - Casula

More than one million Australians now work multiple jobs, a record 6.9% of employed people.

When applying for a home loan, having two incomes doesn’t automatically mean both will be counted in full.

Lenders may consider:
• How long you’ve been in each job.
• How consistent your hours and income are.
• If you’re employed on a permanent, casual or contract basis.
• If working both jobs is sustainable over time.

The same income can be assessed differently by different lenders. That’s why understanding lender policy matters just as much as comparing interest rates.

Working more than one job? Talk to your local MoneyQuest broker about how lenders may assess your income, so you can set a clearer property budget.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply.

One of the most important parts of applying for a home loan is the mortgage serviceability assessment.

Lenders don’t just look at the interest rate you’ll actually pay. APRA’s mortgage serviceability buffer remains at 3 percentage points, which means a loan with an interest rate of 6.2% may be assessed as if the rate were around 9.2%.

This doesn’t mean you’ll pay 9.2%. It’s a safety check lenders use to see if you could still afford your repayments if interest rates increased or your circumstances changed.

Each lender may also assess your income, existing debts and living expenses differently. That’s why your borrowing capacity can vary from one lender to another.

We’re mortgage brokers and we can help you understand your borrowing power and explore your home loan options. Message us today to learn more.

School holidays have a way of revealing just how much the family has outgrown the car.

If an upgrade is on the horizon, explore your finance options before falling in love with the vehicle.

Look beyond the advertised repayment. The interest rate, fees, loan term, any balloon payment and total amount repayable all matter.

We’re mortgage brokers and we can help with car finance too. Because the family road trip should test your patience, not your budget. 😉

Planning a vehicle upgrade? Chat with us about your finance options before you hit the showroom!

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply.

Your investment loan structure can shape your whole property strategy.

The way your loans are set up can affect your cash flow, flexibility, access to equity and even how easily you can refinance or sell a property later.

We can help you explore loan structures that align with your property goals, speak with your local MoneyQuest broker to learn more.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply. Money Quest Australia Pty Ltd ABN 18 121 542 765, Australian Credit Licence 487823

When it comes to financing business equipment, there’s more than one way to get it done.

Depending on your needs, options may include an equipment loan, hire purchase or finance lease, each with different structures, repayment options and ownership arrangements.

Read more: https://www.moneyquest.com.au/news/the-distinct-types-of-business-finance/

Not sure which option could suit your business?

Speak with your local MoneyQuest mortgage broker to explore your equipment finance options.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply. Money Quest Australia Pty Ltd ABN 18 121 542 765, Australian Credit Licence 487823

Today is a reminder that checking in with the people around us shouldn’t be limited to just one day.

Take a moment to reach out to a friend, family member, colleague or client and see how they’re really going.

A simple conversation can make a real difference.

Cheers to all the dads and father figures who do so much every day 💙

Happy Father’s Day!

With home values easing in some areas, this spring could create opportunities for buyers looking to make their next move.

A lower purchase price may help your budget stretch further, but your borrowing power, deposit and current property value can all play a part too.

We are mortgage brokers, we can help you understand your borrowing options before you start house hunting.

Speak with your local MoneyQuest broker and see what your next move could look like.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply. Money Quest Australia Pty Ltd ABN 18 121 542 765, Australian Credit Licence 487823

Three cash rate increases in 2026 have increased repayments for some homeowners.

For someone with a $600,000 mortgage, a 0.75% rate increase could mean close to an extra $300 a month in principal and interest repayments.* That’s around $3,600 more a year coming out of the household budget.

We’re mortgage brokers, and we can help review your home loan, rate and structure to see if they still suit your circumstances.

Speak with your local MoneyQuest broker about reviewing your home loan.

*Illustrative estimate only. Actual repayments will depend on your loan balance, interest rate, remaining term and repayment type.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply. Money Quest Australia Pty Ltd ABN 18 121 542 765, Australian Credit Licence 487823.