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What is Genuine Savings?

... hurt money that you have saved up yourself.Most lenders like to ... classified as genuine savings?Can I use what I pay in rent as genuine savings?If I rent, do ...

Loan Declined After Pre approval | 26 Ways to get Unconditional Approval ?

... ,000 can borrow as little as $619,656 and as high as $659,360 ... % LVROver 80% LVRTo use Rental History to demonstrate genuine savings you need a ...

Rentvesting: Strategy to go from Zero to 3 Properties [In 3 Years]

... number I use when looking at savings. If you need to save $40 ... having a genuine offset account against your property will help save interest ...

First Home Buyer Guide

... to use the money that you have paid in rent to cover genuine savings ... , some banks won't consider grants as genuine savings, which means that you might ...

First Home Owners Grant QLD 2019 [Are you Eligible?]

... the first home buyers grant as genuine savings, so you may need to ... trying your best to save as much money as you can and be ...

House deposit QLD [All your questions answered]

... you're currently paying rent, this can be used as genuine savings too!You can talk ... home loan that you’ve saved a $50,000 deposit on ...

Guarantor loans, how do they work?

... can receive special interest ratesYou save loads by avoiding Lenders Mortgage ... some exceptions like using rent that you have paid as genuine savings. You can talk ...

Virgin Money Home Loans

... investment property and will continue renting, Virgin want to see your ... has a 20% deposit as genuine savings✅ Figures as at 23 May 2019, subject ...

Doctor Home Loans: Complete Guide 2019

... %✅ Confirmation and validation of 5% genuine savings is not required for Doctor ... higher LVR - they can use this as an excuse to overcharge ...

Buying a house with Inheritance Money [How to Use Inheritance as Deposit]

... with as you please. Using an inheritance as a depositInheritance can certainly be used as ... buy a home? What are genuine savings?Genuine savings are there to show lenders ...

How to Buy a House ? (Step-By-Step Case Study 2019)

... means you don't need any savings as your parents provide a guarantee ... agent confirming they are being genuine and you need to put ...

Renting Vs Buying Calculator Australia [Which is better for me?] ?

... makes more sense to do! Renting Vs Buying Calculator ⬇️[CalculatorReinvesting]Moving ... off a mortgage acts as a forced savings plan. You’re buying ...

How to get into the Property Market

... , Save and Save It’s really important to get discipline with your savings ... really wanting to ramp up savings, you might even consider doing ...

Finance Broker of the Year ??

... ?4. How much can you save using the first home buyer super ... do the banks consider as genuine savings? What is Genuine Savings?These days if you ...

How Can I Use Super to Buy A House?

... timeframe.The difference becomes greater in savings over two years for high-income ... Scheme✅Save money on tax repayments✅You can use the scheme as a ...

What is an Offset Account? How does an Offset Account Work?

... an investment property that receives rent. Offset Account Disadvantages (and positives ... the offset account.✅ Use of your account as a standard savings account – debit ...

Financial Freedom

... , appliances and cars. We've certainly used 0% financing for items in ... Least $1000 in Savings“Make sure you have saved at least 6 ...

How much home can I afford?

... you’re currently paying in rent and savings per week – your surplus ... more you can save, the better off you'll be. As the example ...

How to Buy Property Through Your Self-Managed Super Fund?

... to make rent payments at a market rate for using the premises.Diversify ... ,000 in your existing super savings before opening a self-managed super ...

Using Equity to buy a second property [How to]

... need any cash or savings as deposit)Karen can use the equity in ... home.(So Karen wants to rent her first property, while she ...

Should I Buy a Granny Flat?

... , in Victoria, homeowners can only rent it out to their dependents. ... up children or parents can use it in times of need. ...

Getting Approval for Your First Home Loan

... eating avocado on toast and saved for a mortgage deposit, here ... salary. Determine the Value of Savings Needed for Down PaymentThe next ...

Suncorp Home Loan Review

... Loan.✅ Less Genuine Savings Required: Suncorp normally requires borrowers to save up at ... of the loan✅ Can be used as a day to day facility ...

Property Trends in Australia

... market, and will continue to rent based on their lifestyle preferences. ... apartments in the hope of saving money may postpone their decision. ...

ING Home Loan Review

... ) fees, which means you can save large amounts of money over ... has a 20% deposit as genuine savings✅ Figures as at 5 July 2019, subject ...

CUA Home Loan Review

... can be cumbersome, and not as streamlined as others.⛔ Lending Policies - ... Generated Payslips☑️ Evidence of your Genuine Savings, being statements to show the ...

10 [simple] Tips for Choosing the Best Home Loan in Brisbane ✅ ✅ ✅

... for you to use phone banking as a disincentive to use it – they ... you need $50,000 in savings to cover your deposit.Read more ...

Connective Home Loans Review

... 95% LVR Loan with no genuine savings (so 5% deposit home loans ... repayments and redraw✅ Ability to use your existing transaction account for ...

Bank of QLD Home Loan Review (Updated 2019)

... very few fees. You can save money using a basic product like ... has a 20% deposit as genuine savings✅ Figures as at 26 November 2018, subject ...

Gateway Credit Union Home Loan Review

... very few fees. You can save money using a basic home loan ... has a 20% deposit as genuine savings✅ Figures as at 26 November 2018, subject ...

What is Lenders Mortgage Insurance?

... thinking is it better to save for a larger deposit or ... will the 20% take to save? Will property prices rise in ...

Home Loans Brisbane: The Definitive Guide

... a little more deposit to save on the lenders mortgage insurance.Either ... at any time.✅ Acts as a regular savings account and holds spare ...

BOQ Specialist Home Loan Review (Updated 2019)

... be able to save a bit on your costs using the BOQ ... packaging statement☑️ Evidence of your Genuine Savings, being statements to show the ...

What is a pre-approval?

... more information on how to save money and investment property tips.

Is Defence Housing Australia A Good Investment?

... investing in defence housingDefence housing as an investment will not provide ... the lease along with the rent being reviewed annually. DHA also ...

State Custodians Home Loan Review

... no annual fees which can save you money over the long ... group certificate) ☑️ Evidence of your Genuine Savings, being statements to show the ...

Brisbane unit market 'struggling to keep up with demand' ???

... age old question: Should I use the building & pest report ...

Saving Strategies for First Home Buyers

... of the tools you can use to begin your journey of ... mortgage insurance. Save as much as you can; even a small saving counts. The ...

How to Increase Your Income to Put Towards Your Mortgage

... opportunities. For example, you can rent out your house on Airbnb. ... workplace.Put your existing as well as new skills to good use whenever you ...

What do Mortgage Brokers in Australia do?

... on your behalf.Why should I use a mortgage broker?Where do ...

Bad Credit History Brisbane

... you need to know. Creditors use automated credit scoring to assess ... 10 tips to purchase and save big.

YTD Calculator, and What is Year to Date Income Calculator?

... months.Most banks and lenders will use a Year to Date calculator ... years.Most banks will let you use all of your commission income ...

What Is Negative Gearing? Here's a Simple Plain English Answer

... claimed as a tax deduction. The entire strategy relies on using leverage ... number of taxpayers claim net rent losses, it only represents around ...

How to Avoid Lenders Mortgage Insurance? | 5 Awesome Strategies

... you do save more, you’ll be eligible for a genuine savings discount. ... Loan in Brisbane can be as simple as looking for the best ...

Save Big

Save BigAny first home owner will know that saving money can be quiet ... will help reduce wastage as well as reduce cost in buying lunch. ...

What Extra Costs Are Involved in Purchasing Property?

... property is not as easy as just saving money. In fact, saving your deposit ... many occasions, the money you saved up over the previous period ...

Build a House in Brisbane ? The Definitive Guide

... there LMI?TypeSarah ?‍♀️$15,000 savings + $15,000 QLD Great ... ?‍✈️ has no deposit saved, but has been renting for the past 12 ...

How Does Your Profession Dictate Your Mortgage?

... and lawyers used to get special offers, such as specific discounts on ... have a good credit score, genuine savings, and solid proof of income ...

Mortgage Broker Kedron

... touch with you and helping as your needs change.Are you after ... still be saving for your first home, wishing to use the equity ...

8 Questions to Ask Your Lender

... a direct debit from your savings account in order for you ... This will allow you to save a substantial amount of money ...

What is Genuine Savings?

... hurt money that you have saved up yourself.Most lenders like to ... classified as genuine savings?Can I use what I pay in rent as genuine savings?If I rent, do ...

Loan Declined After Pre approval | 26 Ways to get Unconditional Approval ?

... ,000 can borrow as little as $619,656 and as high as $659,360 ... % LVROver 80% LVRTo use Rental History to demonstrate genuine savings you need a ...

Rentvesting: Strategy to go from Zero to 3 Properties [In 3 Years]

... number I use when looking at savings. If you need to save $40 ... having a genuine offset account against your property will help save interest ...

First Home Buyer Guide

... to use the money that you have paid in rent to cover genuine savings ... , some banks won't consider grants as genuine savings, which means that you might ...

First Home Owners Grant QLD 2019 [Are you Eligible?]

... the first home buyers grant as genuine savings, so you may need to ... trying your best to save as much money as you can and be ...

House deposit QLD [All your questions answered]

... you're currently paying rent, this can be used as genuine savings too!You can talk ... home loan that you’ve saved a $50,000 deposit on ...

Guarantor loans, how do they work?

... can receive special interest ratesYou save loads by avoiding Lenders Mortgage ... some exceptions like using rent that you have paid as genuine savings. You can talk ...

Virgin Money Home Loans

... investment property and will continue renting, Virgin want to see your ... has a 20% deposit as genuine savings✅ Figures as at 23 May 2019, subject ...

Doctor Home Loans: Complete Guide 2019

... %✅ Confirmation and validation of 5% genuine savings is not required for Doctor ... higher LVR - they can use this as an excuse to overcharge ...

Buying a house with Inheritance Money [How to Use Inheritance as Deposit]

... with as you please. Using an inheritance as a depositInheritance can certainly be used as ... buy a home? What are genuine savings?Genuine savings are there to show lenders ...

How to Buy a House ? (Step-By-Step Case Study 2019)

... means you don't need any savings as your parents provide a guarantee ... agent confirming they are being genuine and you need to put ...

Renting Vs Buying Calculator Australia [Which is better for me?] ?

... makes more sense to do! Renting Vs Buying Calculator ⬇️[CalculatorReinvesting]Moving ... off a mortgage acts as a forced savings plan. You’re buying ...

How to get into the Property Market

... , Save and Save It’s really important to get discipline with your savings ... really wanting to ramp up savings, you might even consider doing ...

Finance Broker of the Year ??

... ?4. How much can you save using the first home buyer super ... do the banks consider as genuine savings? What is Genuine Savings?These days if you ...

How Can I Use Super to Buy A House?

... timeframe.The difference becomes greater in savings over two years for high-income ... Scheme✅Save money on tax repayments✅You can use the scheme as a ...

What is an Offset Account? How does an Offset Account Work?

... an investment property that receives rent. Offset Account Disadvantages (and positives ... the offset account.✅ Use of your account as a standard savings account – debit ...

Financial Freedom

... , appliances and cars. We've certainly used 0% financing for items in ... Least $1000 in Savings“Make sure you have saved at least 6 ...

How much home can I afford?

... you’re currently paying in rent and savings per week – your surplus ... more you can save, the better off you'll be. As the example ...

How to Buy Property Through Your Self-Managed Super Fund?

... to make rent payments at a market rate for using the premises.Diversify ... ,000 in your existing super savings before opening a self-managed super ...

Using Equity to buy a second property [How to]

... need any cash or savings as deposit)Karen can use the equity in ... home.(So Karen wants to rent her first property, while she ...

Should I Buy a Granny Flat?

... , in Victoria, homeowners can only rent it out to their dependents. ... up children or parents can use it in times of need. ...

Getting Approval for Your First Home Loan

... eating avocado on toast and saved for a mortgage deposit, here ... salary. Determine the Value of Savings Needed for Down PaymentThe next ...

Suncorp Home Loan Review

... Loan.✅ Less Genuine Savings Required: Suncorp normally requires borrowers to save up at ... of the loan✅ Can be used as a day to day facility ...

Property Trends in Australia

... market, and will continue to rent based on their lifestyle preferences. ... apartments in the hope of saving money may postpone their decision. ...

ING Home Loan Review

... ) fees, which means you can save large amounts of money over ... has a 20% deposit as genuine savings✅ Figures as at 5 July 2019, subject ...

CUA Home Loan Review

... can be cumbersome, and not as streamlined as others.⛔ Lending Policies - ... Generated Payslips☑️ Evidence of your Genuine Savings, being statements to show the ...

10 [simple] Tips for Choosing the Best Home Loan in Brisbane ✅ ✅ ✅

... for you to use phone banking as a disincentive to use it – they ... you need $50,000 in savings to cover your deposit.Read more ...

Connective Home Loans Review

... 95% LVR Loan with no genuine savings (so 5% deposit home loans ... repayments and redraw✅ Ability to use your existing transaction account for ...

Bank of QLD Home Loan Review (Updated 2019)

... very few fees. You can save money using a basic product like ... has a 20% deposit as genuine savings✅ Figures as at 26 November 2018, subject ...

Gateway Credit Union Home Loan Review

... very few fees. You can save money using a basic home loan ... has a 20% deposit as genuine savings✅ Figures as at 26 November 2018, subject ...

What is Lenders Mortgage Insurance?

... thinking is it better to save for a larger deposit or ... will the 20% take to save? Will property prices rise in ...

Home Loans Brisbane: The Definitive Guide

... a little more deposit to save on the lenders mortgage insurance.Either ... at any time.✅ Acts as a regular savings account and holds spare ...

BOQ Specialist Home Loan Review (Updated 2019)

... be able to save a bit on your costs using the BOQ ... packaging statement☑️ Evidence of your Genuine Savings, being statements to show the ...

What is a pre-approval?

... more information on how to save money and investment property tips.

Is Defence Housing Australia A Good Investment?

... investing in defence housingDefence housing as an investment will not provide ... the lease along with the rent being reviewed annually. DHA also ...

State Custodians Home Loan Review

... no annual fees which can save you money over the long ... group certificate) ☑️ Evidence of your Genuine Savings, being statements to show the ...

Brisbane unit market 'struggling to keep up with demand' ???

... age old question: Should I use the building & pest report ...

Saving Strategies for First Home Buyers

... of the tools you can use to begin your journey of ... mortgage insurance. Save as much as you can; even a small saving counts. The ...

How to Increase Your Income to Put Towards Your Mortgage

... opportunities. For example, you can rent out your house on Airbnb. ... workplace.Put your existing as well as new skills to good use whenever you ...

What do Mortgage Brokers in Australia do?

... on your behalf.Why should I use a mortgage broker?Where do ...

Bad Credit History Brisbane

... you need to know. Creditors use automated credit scoring to assess ... 10 tips to purchase and save big.

YTD Calculator, and What is Year to Date Income Calculator?

... months.Most banks and lenders will use a Year to Date calculator ... years.Most banks will let you use all of your commission income ...

What Is Negative Gearing? Here's a Simple Plain English Answer

... claimed as a tax deduction. The entire strategy relies on using leverage ... number of taxpayers claim net rent losses, it only represents around ...

How to Avoid Lenders Mortgage Insurance? | 5 Awesome Strategies

... you do save more, you’ll be eligible for a genuine savings discount. ... Loan in Brisbane can be as simple as looking for the best ...

Save Big

Save BigAny first home owner will know that saving money can be quiet ... will help reduce wastage as well as reduce cost in buying lunch. ...

What Extra Costs Are Involved in Purchasing Property?

... property is not as easy as just saving money. In fact, saving your deposit ... many occasions, the money you saved up over the previous period ...

Build a House in Brisbane ? The Definitive Guide

... there LMI?TypeSarah ?‍♀️$15,000 savings + $15,000 QLD Great ... ?‍✈️ has no deposit saved, but has been renting for the past 12 ...

How Does Your Profession Dictate Your Mortgage?

... and lawyers used to get special offers, such as specific discounts on ... have a good credit score, genuine savings, and solid proof of income ...

Mortgage Broker Kedron

... touch with you and helping as your needs change.Are you after ... still be saving for your first home, wishing to use the equity ...

8 Questions to Ask Your Lender

... a direct debit from your savings account in order for you ... This will allow you to save a substantial amount of money ...

Our award-winning Mortgage Brokers in Brisbane
will find you the right home loan for your situation

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We appreciate our customers’ feedbacks!

Here’s what some of our customers say about our work.

My mortgage was not your typical simple loan; it required a lot of attention and out of the box thinking. All of this was provided by the team. Both Nathan and Josh worked tirelessly to get the result and outcome that I needed. They are incredibly personable, professional and a joy to work with.

Michael Cooper

Thank you so much to Nathan, Josh, Jared and the team for everything that they did for us in the process of buying our first house. They truly made it a seamless process. The team were always so on top of everything and kept us in the loop every step of the way. We will recommend Hunter Galloway to everyone we know! Thanks again boys!

Melissa Allison

I would recommend Nathan team to everyone. They are very professional and efficient. I previously had unpleasant experience when dealt with bank directly. Lucky, found Nathan, Josh and Jared just on time. Through them, bank even offered the loan more than I need. I could not settle this investment without Nathan's help!

Jessie Zhang

These gentlemen came recommended and I was genuinely impressed; the personalized service and very rapid reply to queries and constant updates was impressive as well as the ease with which they performed all the necessary work. They are very thorough and whilst collating paperwork is never much fun, they make it easy and explain why having all in place first is the best method. Very impressed!

Charles Phillis

We had a really great experience with Nathan from Hunter Galloway. Would definitely recommend him to anyone who is looking for a finance broker. He certainly knows his stuff, and his constant communication during the loan approval process was incredible.

Bianca Smith

After being stuffed around for over two weeks by another broker - got in touch with Nathan and had a first-home loan approval within 48 hours of speaking with him. First-class customer service and demonstrated wealth of experience. Can't recommend Hunter Galloway enough.

Irene Diocares

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