The WinSmart Finance Solutions Blog

When buying property, it’s good to know the market value. After all, you want to know you’re paying a fair amount. But the property’s value is […]

Business owners wanting to buy a vehicle, asset or important piece of equipment and immediately write off the full cost have just over a month to […]

More Australians (and permanent residents!) will soon be eligible for a leg up into the property market under an expanded Home Guarantee Scheme. Today we’ll run […]

The Reserve Bank of Australia (RBA) has increased the official cash rate for the 11th time in the past year, taking it to 3.85%. Have we […]

With every RBA rate rise announcement, mortgage holders brace themselves for impending repayment increases. Here’s how to stay on top of your mortgage and feel financially […]

As property prices start to climb, listings are following suit. So if you’re hunting for a home, what does this mean for you? If you’ve been […]

You’ve probably heard the term “fixed-rate cliff” bandied about in finance news feeds. But what is it? And if you’re about to head over it, how […]

And … exhale. After 10 straight rate hikes the Reserve Bank of Australia (RBA) has today decided to put the official cash rate on hold. But […]

We all know being on our monetary best behaviour can help to land a home loan. But did you know there are common spending habits you […]

Home loan headlines have been, let’s face it, a bit of a downer of late. But the good news is that first-home buyers are now reaching […]

Rate rises can affect the property market, as we’ve all seen of late. But there are other factors that appear to hold longer-term sway over national […]

The Reserve Bank of Australia (RBA) has increased the official cash rate for a tenth straight meeting, taking it to 3.60%. How much will this rate […]

The property market has had more plot twists than a daytime soap opera in recent years. So getting the skinny on current trends is helpful when […]

Have recent rate hikes made you nervous about taking the plunge into the property market? You’re not alone; it’s a buyer’s market for a reason. Here’s […]

Do you have a fixed-rate mortgage contract that’s coming to an end soon? It can be a stressful time, particularly with rate rise news dominating the […]

The Reserve Bank of Australia (RBA) has kicked off 2023 by increasing the cash rate a further 25 basis points to 3.35%. How much will this […]

Home loan not up to scratch? Looking for a better rate? Or do you want to unlock equity? Then refinancing could be for you. But there […]

Changing jobs may offer more perks – higher income, greater fulfilment, and the opportunity for growth are often things people look for in a new gig. […]

Having a spruced-up home feels great. And it can also boost your home’s value. But, as exciting as the prospect of rolling up your sleeves and […]

Finding the time to delve into your finances can be a struggle. But the school holidays can offer the perfect time, especially for teachers. Get cracking […]

Buying a rental property is a popular way to invest. But where do you stand if the property you’re eyeing off already has a tenant? We’ll […]

As the sun rises on January 1, many Australians will be getting started on their new year’s pacts. The gym will be full of determined resolution […]

End-of-year festivities have snuck up on us! Wishing you and yours a swell Noel and a wonderful new year. It’s time to dust off that kitsch […]

Repeated cash rate hikes have put many first home buyer plans on hold. So could you swoop in and reap the benefits with less competition in […]

The Reserve Bank of Australia (RBA) has driven the cash rate up by another 25 basis points to 3.10%. Find out how much this final cash […]

Inheritances can be a bittersweet part of life. But an inheritance alone won’t always cut it when applying for a home loan. Having genuine savings can […]

What’s more important: your new phone or your next home loan? Well, we were stunned to see a recent survey that showed Australians put more effort […]

Whether it’s your love life or your home loan application, no one likes getting rejected. There are many reasons why it could happen, and some can […]

For many Australians, rate hikes and inflation have made the dream of property ownership feel ever more distant. But a recent analysis shows that meeting mortgage […]

Whoa, Nelly! The Reserve Bank of Australia (RBA) has lifted the official cash rate again, this time by another 25 basis points to 2.85%. How much […]

You may have heard that property values are on the decline. But what does this mean if you’re planning to refinance? We’ll discuss how falling housing […]

You’ve bought a home. And now you might be considering adding an investment property to your portfolio. But have recent interest rate hikes cooled your heels? […]

Nurses, midwives and other important healthcare professionals can now qualify for a lenders mortgage insurance (LMI) waiver policy. Here’s how it could save them thousands and […]

The Reserve Bank of Australia (RBA) has hiked the official cash rate by another 25 basis points to 2.60%. How much will this rate hike increase […]

The recent decline in rental properties has caused many to feel uncertain about their housing situation. Here’s how you can leave renting in the dust and […]

Household budgets around the country are feeling the brunt of five back-to-back rate hikes. And we’ve been warned more are on the way. But just how […]

Recent back-to-back interest rate hikes have led to a cooling of the property market, and with more rate rises predicted, you may feel like pumping the […]

The Reserve Bank of Australia (RBA) has hiked the official cash rate by another 50 basis points to 2.35%. Here’s how much you can expect to […]

You’ve probably heard that interest rates are on the rise and national property prices are on the way back down. Here’s how you can kill two […]

Thinking about refinancing? As interest rates rise, so do the hurdles you need to clear. Here’s why you might want to look at refinancing soon to […]

Every home loan application is unique, so the time between your first contact with your broker and approval can never be predetermined. If an application is […]

Securing a business loan isn’t necessarily difficult but knowing how to navigate your way can be the difference between success and failure. Banks and other financial […]

Lenders mortgage insurance (LMI) is required when the value of a loan is more than 80% of a property’s purchase price, or property valuation if refinancing. […]

While loan officers work solely for a lending institution and can only offer that institution’s products, brokers can help connect you to the lender best fit […]

Wondering why your finance broker is contacting you six months after you’ve settled on your property? The simple answer is that a finance broker is with […]

Fixed rate loans A fixed rate loan is one that maintain the same interest rate over a set period of time regardless of market fluctuations in […]

Considering transforming your home from ‘banal’ to ‘brilliant’, but lack the funds to support your makeover? Never fear, we’ve rounded up five home renovation finance options […]

Interest rates are a big factor in each repayment and the total cost over the life of a loan, so staying on top of your current […]

If you’re thinking of building your own home, you’ll need to be familiar with the ins-and-outs of construction loans. Construction loans are not as straightforward as […]

Comparing apples with oranges doesn’t make sense. To make finding the right loan easier, and to make advertised rates as transparent as possible, there are comparison […]