Investing

Upgrading a home means changing your property to better match your current lifestyle, not necessarily buying something bigger or more expensive. Common triggers include having kids, relocating, changing jobs, outgrowing a renovation budget, or simply feeling your home no longer fits your life. A successful upgrade starts with defining clear objectives, talking to a mortgage broker early, and understanding your numbers before browsing listings.

Australia's government has removed negative gearing benefits on existing properties and increased capital gains tax for property investors, while also stopping self managed super funds from borrowing to buy residential property. These changes target investors, not owner occupiers, meaning Kiwis buying a home to live in are not directly affected by the new rules. The real world effect for New Zealanders moving to Australia is less competition at auctions, a more balanced housing market, and more time to make a considered decision rather than rushing in out of fear of missing out.

Most Australians think their super is something that just sits in the background - growing slowly until retirement. But what if your super could do more than wait? If you’ve ever felt stuck because your borrowing capacity has hit a ceiling, there may be another pathway worth exploring, one that most people don’t fully understand.

If you already have a mortgage, you can save tens, or even hundreds of thousands of dollars without refinancing or buying another property. By optimising loan structure, using offset accounts correctly, automating repayments, and applying smart credit card strategies, homeowners can shorten loan terms by years and dramatically reduce interest. This guide breaks down proven, broker-backed strategies explained by Vincent Turner and mortgage broker Jake de Ruyter.

Discover how commercial lending in Australia can help small business owners grow, from invoice financing to property and equipment loans.

This short article pulls key points from a 40 min deep dive podcast interview with Paul Davey, a UNO broker specialised in helping New Zealand citizens to buy property in Australia

If you’re looking to take control of your superannuation and invest in property, Self Managed Super Funds (SMSFs) might be the perfect vehicle. SMSF loans enable you to leverage your super balance to purchase property, but they come with specific rules and considerations. Financial expert Werner Jansen from Financial Purpose recently shared his insights on the UNO Home Loans podcast. Let’s explore what you need to know about SMSF loans and how to get started.

Learn what it is, how to calculate it why it matters, what good looks like and how to improve it (and what you can't do!)

If you're seeking a mortgage broker in Parramatta with deep expertise and a proven track record in commercial and residential finance, Scott Wilkinson at UNO Home Loans is here to support you. With 17 years in the finance and banking industry, Scott combines his knowledge and dedication to offer a comprehensive, one-stop solution for all your personal and business finance needs.

A long form guide with a lot of practical information on what to consider if you are thinking to buy an investment property

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

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

Setting up your own self managed super-fund to invest in real estate may be a really tax-effective investment strategy for you and your partner. We know that this form of investment is still gaining in popularity, with more & more lenders offering loan products specifically designed for this type of purchase. As it has its own level of complexity, you need an experienced mortgage professional who can steer you through all the confusing industry jargon & recommend the best & most suitable loan product that meets your needs, goals & objectives.

Interest is the biggest burden you face when taking out a home loan. Anything you can do to keep interest payments low will benefit you in the long run. A mortgage offset account allows you to do just that.

Short video explaining some key steps to consider when using your equity to buy an investment property

Cashflow is a critical part of any investment but is uniquely critical in property investment. Here we break down the topic from a number of angles

Home loans for for investment properties need to consider the nuances of how an investment property works especially around topics such as negative gearing

In the world of buying and selling there are some generalist investment strategies, however, that will hold you in relatively good stead.

There are a range of property types to consider if making an investment, we review thet types and pros and cons of each