3 Conversations couples should have before getting a home loan
Phillip Martin Finance Phillip Martin Finance

3 Conversations couples should have before getting a home loan

Purchasing a home as a couple is a major financial and emotional milestone. Beyond simply owning property together, it signifies a long-term commitment to share financial and lifestyles goals.

It’s vital that couples have open communication and clear expectations before applying for a mortgage to avoid future challenges. Here are three important questions to ask.

Read More
Five reasons to buy an investment property before your first home
Phillip Martin Finance Phillip Martin Finance

Five reasons to buy an investment property before your first home

For many Australians, the path to property ownership begins with buying a home to live in. However, purchasing an investment property first - known as 'rentvesting' - can be a smarter financial strategy.

With the rising cost of home prices many of the major capital cities, considering creative ways to enter the market is more important than ever.

Read More
Six questions to ask at an open home
Phillip Martin Finance Phillip Martin Finance

Six questions to ask at an open home

Open homes can be overwhelming for first-time buyers, with many unsure what they should be looking for.


With so much at stake, asking the right questions is crucial to making an informed decision. These days it’s possible to do a lot of research on a property before attending the open home, making it more important than ever to gather as much information as possible prior to making an offer or bidding at auction.

Read More
Six Common Refinancing Trap to Avoid
Phillip Martin Finance Phillip Martin Finance

Six Common Refinancing Trap to Avoid

Refinancing your home loan can be a great way to save money, but it’s important to avoid common pitfalls. Understanding what your goals are and how refinancing can help is important, so you don’t fall into the trap of refinancing for no reason. Here are six traps to watch out for:

Read More
Five important steps before making an offer
Phillip Martin Finance Phillip Martin Finance

Five important steps before making an offer

Making an offer on a property for the first time is both exciting and nerve-racking. To be as prepared as you can, it’s important to take several steps to ensure you’re making a well-informed decision. Here are five steps to follow:

Read More
Four factors that influence your car loan interest rate
Phillip Martin Finance Phillip Martin Finance

Four factors that influence your car loan interest rate

When securing a car loan, you might be surprised to learn that your interest rate can vary significantly from someone else purchasing the same vehicle with similar financing. Understanding the factors that influence your interest rate can help you secure a better deal.

Read More
Six key factors to consider when choosing an investment property this Spring
Phillip Martin Finance Phillip Martin Finance

Six key factors to consider when choosing an investment property this Spring

With Spring selling season just around the corner, it can be a great time for buyers to find an investment property. However, selecting the right investment property requires careful consideration of several factors.

Here are six things to look out for when choosing an investment property:

Read More
Creative ways to own an investment property
Phillip Martin Finance Phillip Martin Finance

Creative ways to own an investment property

Creative ways to own an investment property

With the surge in property prices over the past few years, the barrier to entry has never been higher. However, there are many different ways to get into the market. If you only have a small deposit or limited borrowing capacity, it might be worth looking at some alternative ideas. Here are some options worth considering:

Read More
Five ways mortgage brokers can help borrowers
Phillip Martin Finance Phillip Martin Finance

Five ways mortgage brokers can help borrowers

Over the past few years, borrowers have been challenged like never before with rapidly rising interest rates catching many off guard.

When interest rates are changing, borrowers need to be proactive in how they manage their mortgage. This is why working with a mortgage broker can be incredibly valuable.

Here are five ways mortgage brokers can help borrowers in the current environment:

Read More