From July 1, the Federal Government with the support from Labour have announced that the price caps currently placed on … Read More

On Tuesday March 29, The Australian Federal Government announced the 2022-23 Budget. In our industry of mortgage broking and finance, … Read More

The number one talking point in home loans today is whether the variable interest rates will rise in 2022. The … Read More

Investing in property, such as residential real estate usually involves a long-term plan. You need to consider what is required … Read More

Want to make country life a reality? We can assist you with your rural loan application.

How do rural loans work?

Rural property loans are available for both business and personal purposes. However, due to the nature of rural properties, they can be a little more difficult to get finance for. Rural property value tends to fluctuate more than urban property values and can be affected by events such as drought, fire or flood. Due to the higher volatility and limited market for rural properties, lenders typically adopt a more conservative approach when considering using rural property as security for finance

Getting the keys for your first home is an exciting time, however it can be a challenging process to get there! From the paperwork through to the various loan options, to deciding on a variable or fixed interest rate, the first homebuyers’ market can be a daunting environment for a newcomer. However, it doesn’t have to be. Save time and money by following these 5 tips to ensure that your first experience as a homeowner lives up to the great Aussie dream.

What is the Single Parent Family Home Guarantee?

From July 2021 to June 2025, eligible single parents may qualify for a home loan with a deposit as low as 2% without having to pay lender’s mortgage insurance. This is part of the Australian government’s effort to support single parents who want to enter or re-enter the housing market.

Single mothers or fathers with at least one dependent child may apply for a home loan under the Family Home Guarantee Scheme through a participating lender.

Check out our latest article on everthing you need to know!

We’ve had a lot of interest from people regarding the ‘First Home Loan Deposit Scheme’, curious to know whether they are eligible.

So, we have decided to put together a quick ‘at a glance’ reference on the facts to help you figure out if this great opportunity on the market is suitable for you.

You can also read our article on FHLDS – Your questions answered! for a more in-depth exploration of the frequently asked questions in relation to the Scheme.

Investing in property is a great way to build your financial freedom. The Perth property market has historically shown that property values increase over time.

The combination of low interest rates and various government incentives means it is a great time to purchase a home in WA. While buying your first home can seem overwhelming, it doesn’t have to be which is why it helps to be fully prepared by doing the necessary research ensuring your experience is a smooth one.  

We’ve prepared 4 simple, yet helpful tips to help new home buyers make the transition

If you have an investment property, it is important to ensure that your investment loan remains competitive.  If you have … Read More

If you’re a medical specialist and considering buying your own private practice now or in the near future, you need … Read More

Starting your own medical practice can be daunting. Whether you are setting up a new practice or taking over an … Read More

Borrowers may choose to pay interest-only on their loan for a specified period of time, subject to the lender agreeing … Read More

When you take out a loan with a lender, the lender will calculate the loan repayment based on the term … Read More

When you’re considering purchasing and/or selling a property, the first people you contact are probably real estate agents and then … Read More

Good news for investors! Usually, interest rates on loans for investment properties are higher than they are for owner occupied … Read More

Major lenders have been taking longer to process loan applications in the past few months. The major factors increasing the … Read More

The property market is currently experiencing a housing boom due to a combination of low mortgage rates, improved economic conditions, … Read More

As confidence levels return for buyers, sellers and investors, we’re expecting a busy year in the property market.  This is … Read More

Buying an investment property can be a great way to grow your wealth and secure your financial future. If you … Read More

On Tuesday, 3rd November 2020, the Reserve Bank of Australia (‘RBA’) cut interest rates from the previous record low of … Read More

When growing up, did you ever dream about owning a beautiful home with a lush front garden and backyard pool? … Read More

When purchasing an investment property, you need to consider what desirable features tenants are looking for in rental properties. The … Read More

Owning an investment property has associated expenses which can eat into your rental income. Fortunately, there are ways you can … Read More

Andrew Boyle from Focus Products share his hot tips in getting your pool ready for the warmer months. As we … Read More

With the borders currently closed and everyone itching for a getaway, now is the best opportunity to take a road … Read More

According to the latest data from Real Estate Institute of Australia (REIWA), Perth’s rental vacancy rate has dropped to 1.6%, … Read More

Refinancing can offer numerous benefits, whether you’re chasing lower repayments, or you want to tap into your existing equity to … Read More

For some young individuals, saving for a home loan deposit to purchase their first home is an almost impossible dream. … Read More

It’ll take more than giving up your Netflix subscription or those daily coffee runs to save for a home deposit … Read More

Now the 2019/20 financial year has ended, it is time to get your tax returns finalised and lodged. If you … Read More

Now is the time to renovate with the Federal Government announcing $25,000 grants for eligible Australian owner-occupiers to build a … Read More

As a result of the successful first round of the Federal Government’s First Home Loan Deposit Scheme, 10,000 loan guarantees are … Read More

As a result of record low interest rates, the question on many of our clients’ minds of late has been, … Read More

There is a lot of talk about interest rates right now being that we have reached record lows in Australia! … Read More

Although this is a challenging time of restrictions, the great news is that there is a broad spectrum of support … Read More

During these unique times, we are stronger together. It’s important at this time that we support each other – our … Read More

We hope you and your family are safe and well. During these unprecedented times, we want to let you know … Read More

Lately, we’ve found a lot of our clients have read the ‘Barefoot Investor’ book and have been implementing some of … Read More

Launch Finance had a great evening at The Adviser Better Business Awards 2020. We are very proud to announce that … Read More

We’ve had a lot of interest from people regarding the ‘First Home Loan Deposit Scheme’, curious to know whether they … Read More

If you’re a first home buyer and you’re looking for one of the best offers to hit the market to … Read More

There is a lot that changed in the finance industry in 2019, as a result – it is now more … Read More

Have your first home buyer clients been eagerly awaiting the announcement of the full panel of lenders for the First … Read More

Last month, in their second year, Launch brokers formed part of the 14 riders in ‘Team Finance Brokers’ who challenged … Read More

Are you wanting to get ahead of the curve when it comes to your finances? Do you want to have … Read More

There have been a lot of changes within the finance industry throughout 2019 and one of the most important to … Read More

Attention first home buyers!  Did you know… If you save 5% of the purchase price of your desired home, you … Read More

A couple of our brokers flew to Australia’s red centre last month to celebrate PLAN’S (Professional Lenders Association Network) 20th … Read More

It’s spring time, interest rates are at an all-time low and opportunity is in the air! Are you ready for … Read More

The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply … Read More

Prepare.                The first tip is to prepare first, so that you are in the best position. Pre-approval.                     My next tip … Read More

Earlier this month, the Australian Prudential Regulation Authority (APRA) finalised its revised guidance on serviceability assessment rates for lenders in relation … Read More

On 1st July 2019, the Australian Banking Association (ABA) released a new Banking Code of Practice (BCoP), which amongst other … Read More

The Launch team love getting involved in the community, particularly when it makes a difference. Last month one of our … Read More

The Reserve Bank of Australia (RBA) announced consecutive rate cuts in June 2019 and July 2019, bringing the cash rate … Read More

There are many financial products on the market, each with their unique features and benefits. A loan that is right … Read More

Last week one of our directors Joe Del Borrello joined Master Builders WA in Woodlands to film their next segment with Home In WA. … Read More

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Great news for first and subsequent homebuyers! In support of the State Government’s policy to assist more Western Australians into … Read More

What is it and how does it work? An offset account is a cash account that is linked to your … Read More

Let’s face it, for the most part we all have busy lives making it very easy for us to get … Read More

Australia’s current government unveiled their proposed 2019-20 Federal Budget earlier this month. This budget has dual purpose as both an … Read More

Launch Directors: Dean English, Duncan McKinnon, Joe Del Borrello, Steve Milligan, Warrick Greaves. The lending market experienced a lot of … Read More

Are you planning on buying a home sometime soon? A home loan will usually be a big part in making … Read More

For most Australians, our home is our most valuable asset.  However, when tragedy strikes, many Australians find they are underinsured.  … Read More

We are thrilled to announce that recently Launch Finance took out multiple wins at The Adviser Better Business Awards 2019 … Read More

We are thrilled to announce that earlier this month Launch Finance was appointed the finance partner of  Master Builders Western … Read More

As many of you are probably aware, the final report from the Hayne Royal Commission into Misconduct in the Banking, … Read More

The First Home Owner Grant (FHOG) was a scheme introduced in 2000 designed to make it easier for first home … Read More

Can you believe that you could be buying or building your first brand new home with a deposit from as … Read More

Life consistently delivers us challenges to grow, it can be quite surprising when big obstacles turn out to be gifts … Read More

In today’s competitive market, applicants are often spoilt for choice when it comes to home loan options. For one of … Read More

Are you self-employed and finding it challenging to save a house deposit when your income fluctuates month to month? The … Read More

Buying at auction can present great opportunities for homebuyers, but can also come with some inherent risks for those home … Read More

We’re extremely proud to announce that the Finance Brokers Ride to Conquer Cancer entire team made it through the full … Read More

Here’s a little video from the team, we wanted to personally thank our clients and referrers for your continued support. … Read More

We are thrilled to announce that last Thursday Launch Finance took out multiple wins at the PLAN (Professional Lenders Association … Read More

Welcome to Launch TV 🚀!  We’ve created this channel to help you on your finance journey. Benefit from market-leading expertise … Read More

The Mortgage and Finance Association of Australia (MFAA) recently launched a national, multi-channel advertising campaign to communicate and raise awareness … Read More

People don’t plan to fail, they fail to plan… let’s explore how you can plan your way to financial freedom. … Read More

Every Year at Launch Finance we hold a Professional Development Day at Ronald McDonald House where we invite a couple … Read More

At a time when interest rates remain near historic lows and the market has diverse and dynamic mortgage options – … Read More

Making a smart investment property choice that maximises long-term profit is the dream, it’s possible to ‘get lucky’ however in … Read More

Are you a 1st Homebuyer looking for a faster way to save for your first home? Thanks to new laws … Read More

It is common practice in Australia that when purchasing a residential property, a 10-20% deposit may be required to secure … Read More

Recently one of our Directors met to present and discuss with Federal MP Andrew Hastie after developing the concept to … Read More

The definition of ‘HOME’ can be described as; ‘the place where one lives permanently, especially as a member of a … Read More

When people buy property together, particularly if it’s with a partner or spouse, they will usually register the title in both people’s names. There are … Read More

Looking for ways to pay off your mortgage in record time? Whether you’re a seasoned investor or buying your first … Read More

It’s an exciting time, you’ve decided to buy a property off the plan which means you will have a BRAND-NEW … Read More

During your home loan research, you may have come across a home loan that offers a redraw facility. It’s one … Read More

When searching for an investment property loan, there are certain things to look out for as they tend to be … Read More

Ready to buy a property? For most people, this will mean getting a loan, an important and efficient first step … Read More

As part of the 2018 Budget, the federal government recently announced a scheme allowing homeowners over the age of 65 … Read More

For investors wanting to develop three units on one property title, most lenders will allow a maximum of two units … Read More

Have you heard of Medico Packages? Sometimes also referred to as a ‘Medico Pack’ home loan. This is a discounted … Read More

Do you know that a simple phone call or email could save you thousands of dollars on your home loan? … Read More

As a first homebuyer or even second or third homebuyer, it can be overwhelming when you’re shopping for a property … Read More

As the name would suggest, a self-managed super fund (SMSF) allows you be in charge of your superannuation. So, for … Read More

There is a lot of movement in the Australian mortgage industry right now with major lenders cutting interest rates following … Read More

It is a popular ambition to retire debt free and at Launch Finance, we work hard to make it happen. … Read More

Property valuations are essential when obtaining a home loan and have become increasingly more important as the property market fluctuates. … Read More

Do you have a client who needs a finance solution for a time in their life when credit impairment is … Read More

Did you know that refinancing your existing home loan may become a little more complicated once you’re over the age … Read More

There’s nothing more satisfying as a broker than being able to help your clients out of a tough situation. Recently, … Read More

There has been a lot of media lately surrounding the banking and finance industry with ASIC conducting reviews into finance … Read More

Recently a client of ours found themselves in a challenging situation during the build of their home. After purchasing land, … Read More

Breaking up is hard to do. On top of the emotional impact, there are practical ramifications as well.  When there’s … Read More

Launch Finance has access to a lender that has a specialist real estate and strata relationship division.  This allows them … Read More

Up until recently, the large majority of investment property owners would have been paying interest only repayments on their investment loan.  … Read More

Despite record low interest rates and a fairly stagnant property market in Perth, getting into the property market is still … Read More

There’s no denying that websites like Airbnb and Stayz have dominated the holiday accommodation industry and thrown a few spanners … Read More

In 2014 the government made amendments to the Privacy Act 1988 permitting lenders to provide information to credit reporting agencies … Read More

Technology is all about helping make our lives easier and these days hunting for the perfect property, decoration inspiration and … Read More

2018 has well and truly begun, the festive season is over, and some people will be a few kilos heavier! … Read More

Some of us aren’t sad to see 2017 go, and with data that confirms 2018 is set to be a … Read More

It’s been a busy year for the finance and mortgage industry with plenty of changes, and the introduction of new … Read More

The year’s almost over, and it’s time to set goals for 2018. One important objective for the coming year should … Read More

It’s a great time to purchase a new home in WA and with this comes greater competition from other buyers, … Read More

When a bank lends money to a customer, it takes the risk that the customer may not repay the money … Read More

One of our clients recently approached us and was looking to refinance their owner-occupied home loan, as well as their … Read More

Do you have a client who is planning on opening up a new location or is planning a new business … Read More

It is now more vital than ever to be having a discussion with your clients about their budget and spending … Read More

It takes money to run a business, especially if you’re planning on purchasing new equipment or expanding. In most cases, … Read More

Before taking out a home loan, it is essential that you compare lenders and their products first to know what … Read More

Home loan approval is more than showing a lender you have a deposit and consistent income.  Lenders are now closely … Read More

Summer is well on its way and with it comes holidays, Christmas and good times with friends and family, but … Read More

Being a small business owner comes with its fair share of challenges and maintaining a positive cash flow is often … Read More

Do you have a client who is a small business owner and looking to grow their business, purchase business equipment … Read More

We recently met with a client who had a mix of business and residential debt totaling approximately $600,000.  They approached … Read More

Are you considering renovating your home or investment property? A well-considered and researched renovation plan can increase the value of … Read More

It’s no secret that Perth people love their coffee and we’re no exception, so we’ve put together a list of … Read More

This month, we saw a couple that are self-employed and were struggling to get finance for their first home. As … Read More

Why use a broker when you can go direct to a bank? The answer is, why wouldn’t you use a … Read More

Are you self employed and looking to finance new equipment or assets used for your business? We have relationships with … Read More

In its drive to encourage property owners and investors to build energy-efficient homes, the federal and state governments of Australia … Read More

Are you looking at living near Perth’s CBD? There are still great house prices in and around the CBD and … Read More

You may have noticed over the past few months that lenders are becoming stricter with investment lending. The Australian Prudential … Read More

The Reserve Bank of Australia (RBA) hasn’t announced any changes to the cash rate for a year now, leaving the … Read More

Up until recently, it was relatively easy to apply for a home loan. As long as you could show that … Read More

In such a competitive market, it pays to use a mortgage broker who will spend the time to find you … Read More

Investors are facing a tough time with lenders at the moment as investment loans are becoming more restricted. In March, … Read More

Positive Credit Reporting, also known as Comprehensive Credit Reporting, is the method Australian lenders are currently using to assess a … Read More

Short term accommodation innovations like Airbnb have certainly changed the way we plan and book a holiday. They provide a … Read More

Business loans can be confusing and it takes an experienced finance broker to help you find one that suits your … Read More

We all want our kids to be financially better off than we are, but how do we do this? Taking … Read More

We recently assisted a self-employed client who sold their successful business and was having difficulty restructuring his business loan. His … Read More

The 1st of July, 2017 saw the implementation of a new 12.5% tax on property sales of $750,000 or more … Read More

As brokers, we understand that individuals require tailored solutions for their financial loan matters. Whether they are selling or buying … Read More

Wow, it’s June 30 already! This year has flown by and that means tax season is upon us, which can … Read More

We were recently approached by a client who had previously received a finance pre-approval by a bank manager from a … Read More

If you’re thinking about buying your first home, you probably already know that saving a sizeable deposit is an important … Read More

The Government’s 2017 Federal Budget has provided a new incentive for first home buyers in the form of a “First … Read More

Mortgage brokers, loan pre-approvals, fixed versus variable rate loans, stamp duty, conveyancing.  If you’re new to Australia, the language of … Read More

As a home owner or property investor, you may have heard the term “overcapitalising”. But what exactly is it and … Read More

You have found the home of your dreams, Launch Finance has advised that your finance is all but assured and … Read More

Interest rates are at a record low and there is no way of knowing how long they will remain this … Read More

Purchasing a property is the most expensive purchase you will undoubtedly have in your lifetime. With most lenders requiring a … Read More

Are you looking to purchase your first home, but struggling to meet the deposit requirements? A guarantor loan could be … Read More

Admit it or not, your home eventually loses its charm over time. Depending on how you look at it, a … Read More

Small businesses have less than one year left to take advantage of the $20,000 tax break that was announced at … Read More

It’s that time of year when we start to get all of our items ready to send to the accountant … Read More

When purchasing a home, it is important to remember a little thing called stamp duty. It is often forgotten and … Read More

Purchasing your first home is an exciting time, but it can also be a very daunting process. Where do you … Read More

Taking out a home loan can be tricky, especially if you’re unfamiliar with the process. Not knowing enough about the … Read More

The interest rate landscape has experienced numerous changes over the past 12 months with different interest rates available for owner … Read More

Recent changes to the tax legislation has meant that the ATO now classes all property sales over $2million as a … Read More

Purchasing a property can be quite scary when you’re starting out. There are a lot of things that you don’t … Read More

Investing in property is a great way to grow your wealth. As a long term investment, it can also be … Read More

The First Home Owner Grant (FHOG) was a scheme introduced in 2000 designed to make it easier for first home … Read More

Interest rates are a hot topic right now with the Reserve Bank of Australia (RBA) cutting rates by a further … Read More

With the new financial year now in full swing, we are all working on getting our tax returns finalised for … Read More

It can be a difficult task getting a foot into the property market with the average house price these days, … Read More

When taking out a home loan, one of the biggest decisions you will make is whether you opt for a … Read More

Owning an investment property can be a great way to grow your wealth and to gain financial freedom. While most … Read More

Home loan terms typically last up to 30 years, which is a considerable amount of time when you think about … Read More

Before diving into the property market, whether it’s to buy your first home or an investment property, it is a … Read More

Small to medium business owners can receive approved lending for a greater loan to value ratio of up to 100% … Read More

The four big banks have initiated a tightening of policy on foreign borrowers wanting to borrow funds in Australia. The … Read More

Taking out a home loan can be a difficult task and become very confusing with so much on offer. You … Read More

Is your current lender offering you the most suitable deal possible or are they offering new clients better deals? It … Read More

When you’re buying a home, you should know exactly how much it’s going to cost you. For one, it will … Read More

Fixed interest rates are a hot topic right now, due to the recent drop in interest rates. There are now … Read More

When purchasing a home, it is essential to consider other living expenses outside the applicant’s mortgage repayments, to get a … Read More

It’s no secret that tax season can be a particularly stressful time for any individual, especially business owners. It doesn’t … Read More

As of midnight on June 30th, a fourteen-year-old exemption from the 2002 Financial Services Reform Act will be removed for … Read More

Australians love to renovate their home, whether they are living in it or renting it out. The age old question … Read More

Saving up for your first home can seem like a long and difficult process and then once you finally get … Read More

Most Australians dream of owning their own home and finalising their mortgage repayments and in the current market, being debt-free … Read More

Launch Finance recently assisted a client save thousands on their interest rate across two home loans through negotiating a better … Read More

Interest rates are a hot topic in the property home loan market at the moment with interest rates at an … Read More

This can often be one of the most difficult decisions to make when taking out a home loan and there … Read More

Your personal needs and circumstances will change throughout the years and it is important that your current home loan reflects … Read More

First home buyers in Perth have it tough when shopping for their first property with most looking for a 4 … Read More

Racking up a bad credit rating can be potentially harmful for your credit history and may cause issues when you … Read More

As a consumer, it’s always in your best interest to find deals that will help you save more money than … Read More

Apart from your loan amount, a huge bulk of your mortgage repayments goes towards paying off the interest your loan … Read More

The year’s almost over, and it’s once again the time when many of us make our list of resolutions for the … Read More

Good news for Australian permanent residents and Australian citizens living and working overseas earning overseas income. Certain lenders in Australia … Read More

What are the Credit Laws in Australia? The amended Privacy Regulation Act commenced on 12 March 2014 and includes details … Read More

Are you looking to increase your wealth or add an extra source of income? The chances are, like most Australians, … Read More

If you’re shopping for a home loan, it’s important that you seek the assistance of a mortgage broker before you … Read More

When you’re shopping for a property, you may be tempted to look at property listings right away. However, before jumping … Read More

When you invest in property, it’s natural to want to get as much as you can out of it and … Read More

There are a number of lenders in the competitive asset finance area that are concentrating on providing a simple product offering, … Read More

Choice matters when it comes to car financing for your clients. Our Launch Finance brokers can provide your clients with … Read More

When you take out a home loan, you have the option to deal directly with the bank or deal with … Read More

It’s a common dilemma for property buyers to choose between buying their first home and an investment property. Having your … Read More

Do you get that feeling of dread every time you check your bank account or check the mail for bills? … Read More

Managing your mortgage is important if you want to avoid hefty penalties and stay on the path to paying off … Read More

The first home owner grant of up to $3,000 for the purchase of an established home in Western Australia has … Read More

Heads up, you know darned well that you have to do something with your money. Something besides enjoying your weekends … Read More

The short answer is YES; of course it takes money to make money. To make money in the stock market, … Read More

Lenders are currently offering mortgage brokers exceptional deals to encourage home buyers to apply for their loans or switch lenders … Read More