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Latest Articles

The world of finance, lending, home loan policies, and seeking advice can become overwhelming quickly! This is where having a mortgage broker on your team can simplify and guide you in the right direction.

We frequently publish new blog posts and articles with interesting and useful information on policy changes, case studies, and common scenarios and their solutions. Please take a look at some of our articles in this blog and we hope they will be helpful. If you would like to discuss anything further, please don't hesitate to reach out to our team anytime.
Caloundra New Office

I Know The Broker Opens New Office in Caloundra

We’re excited to share that I Know The Broker Caloundra has officially opened its doors. Our new office makes it...
July 2, 2025
Mooloolaba New Office

I Know The Broker Opens New Office in Mooloolaba

We’re excited to welcome you to our new I Know The Broker Mooloolaba office, located right in the heart of...
July 2, 2025
Mortgage Brokers

How Mortgage Brokers Can Help Clients Tackle Debt and Credit Challenges

In the wake of inflation, many Australian households are under financial strain. Stagnant wages, increasing interest rates, and an increase...
May 23, 2025

Top Questions to Ask Your Mortgage Broker Before Signing

Before you sign on the dotted line, ensure you're fully informed. Asking the right questions up front can save you...
May 21, 2025
HECS-income

Same Income, Better Outcome: How Smart HECS Strategies Helped Adam Borrow More

If you're on a good income but still feeling locked out of the property market, your student debt might be...
April 30, 2025
First Home Buyers

Do You Really Need to Show 3 Months of Savings? Not Always. Here’s What First Home Buyers Should Know

If you’re a first home buyer or re-entering the market after a few years, you’ve probably heard the old rule:...
April 30, 2025
Least Resistance

The Path of Least Resistance: A Simpler Way to Get a Home Loan When You're Self-Employed

If you're self-employed and looking for a home loan, chances are you’ve already hit a few walls. Whether you’re speaking...
April 23, 2025
Tax Returns

Can You Get a Home Loan Without Two Years of Tax Returns?

If you're self-employed and thinking about buying or building a home, you've probably heard that you’ll need two full years...
April 23, 2025
Refinancing Cost

Self-Employed and Growing Faster Than Your Financials Show? You Might Be Closer to Home Loan Approval Than You Think

Being self-employed comes with freedom, flexibility, and the opportunity to grow something on your own terms, but when it comes...
April 23, 2025
Home Equity

How Does the Bank Calculate Borrowing Power? (And Why Equity Isn’t Everything)

One of the most common questions we get from clients is: "How does the bank calculate borrowing power?" The answer...
April 9, 2025
Suburbs City

How to Get a Bigger Home Loan Without Increasing Your Deposit

You’ve done the hard yards. You’ve saved the deposit, narrowed down your dream block of land or home, and you’re...
April 9, 2025
Cityscape

How Much Can I Borrow for a Home Loan? Why the Answer Could Vary by $200,000

When you're diving into the world of home loans, it's tempting to punch "How much can I borrow for a...
April 9, 2025
Home Loans Casual Work

Can You Get a Home Loan on Contract or Casual Work? Yes, Here’s How We Helped a Client Buy a $930K Property

If you're employed on a contract or casual basis, the idea of getting a home loan can feel like a...
April 9, 2025
Lenders Mortgage Insurance

Why Paying Lenders Mortgage Insurance (LMI) Can Be a Smart Move

Lender’s Mortgage Insurance (LMI) often gets a bad reputation, but what if paying it could actually supercharge your property investment?...
March 7, 2025
Home Equity

Unlock the Potential of Your Home Equity

If you're a homeowner, you've probably heard the term equity tossed around before, but what does it actually mean for...
February 12, 2025
Loan to Value Ratio

LVR – What Is It and What Does It Mean for You?

When it comes to home loans, there’s one important number that could make a big difference in your financial options:...
January 15, 2025
Loan Approval

What happens after your loan is unconditionally approved?

Purchasing a property to occupy or invest in is one of the biggest financial and life decisions that people will...
November 21, 2024
Deposit Bond Family

How a deposit bond can help downsizers.

Thinking of selling up and downsizing? Maybe the kids have just flown the nest and you’re left with a house...
September 28, 2024
Deposit Bonds

10 Most Common Questions About Deposit Bonds

So, you’re thinking about getting a deposit bond? Whether you’re a first home buyer, seasoned property investor, downsizing or buying...
August 7, 2024
Deposit Bonds

How a Deposit Bond can help first home buyers

Getting into the property market can be frustrating. Once you’ve found a property you love and can afford, you’re faced...
July 19, 2024
Guide to Deposit Bonds

Beginners Guide to Deposit Bonds

If you've never heard about deposit bonds, this guide will get you across exactly what they are and how they...
June 13, 2024
Home Auction

How to Make an Offer

Read on to learn all you need to know about how to make offer on your dream home. You’ve found...
April 3, 2024
Financial Fitness

7 Steps to Financial Fitness

It's never too late to improve your financial fitness! Managing your finances can be a complex task, especially when you're...
September 21, 2023
Home Renovation

Home Renovation Financing: What are your options?

With home renovations big business in Australia, let’s explore how you might finance your next home improvement project. It’s well...
August 9, 2023
Offset Account

What is an Offset Account?

Used wisely an offset account can save you thousands of dollars and help you pay off your mortgage years earlier!...
July 6, 2023
Refinancing Cost

Refinancing and the costs involved

Refinancing your home loan can be a valuable strategy for managing rising interest rates and mortgage repayments. In this article,...
June 9, 2023

Land Tax

Land tax is one of several expenses you may have to pay when you buy property. But just what exactly...
May 19, 2023
Add Back Income

What is an “Add Back”?

Find out here exactly what is and isn't an Add Back. For a self-employed person, your reported taxable income is...
April 18, 2023
Self Employed Income Verification Using BAS

Self-Employed Income Verification Using BAS

Business Activity Statement (BAS) only income verification now available! What’s the deal? With quarterly Business Activity Statement (BAS) reporting due...
March 16, 2023
Remote Work Laptop

Self-employed and growing faster than your company financials reflect?

Is your self-employed company really beginning to take off? Read on to find out how you may be able to...
January 19, 2023
Cafe Front

Self-Employed PAYG Income Verification

Are you self-employed and paying yourself a regular wage? Why not consider a simplified lending option using just your payslips?...
December 18, 2022
Open Cafe

Simpler Self-Employed Lending Policies!

If you are self-employed, firstly congratulations on being your own boss! Secondly, did you know recent changes in the lending...
November 9, 2022
Credit Score

What is a credit score? What is a good rating?

You may have heard the terms credit score or credit report, but what do they actually mean and how will...
October 31, 2019
Kitchen

Managing Money Stress

Learning how to handle financial stress in healthy ways is very important and can have a positive and lasting impact...
October 31, 2019
Mortgage Rate

82% of Aussies unaware of their mortgage rate.

An overwhelming majority of borrowers do not know their home loan rate, with 86 per cent of Australians also unaware...
February 18, 2018
Gifts

Have you been misinformed?

In the analysis of a recent survey conducted by UMR Research and the Housing Industry Association (HIA), almost three quarters...
August 30, 2017
Senior Retirement

How much is enough for retirement?

Did you know that the Australian Securities and Investment Commission (ASIC) recommends that for a “comfortable” retirement, a couple will...
July 25, 2017
Loan Investments

How would an extra $50 per week rent help you on your investment loan?

The end of financial year has been and gone and I hope you all survived it! And what a year...
July 5, 2017
Running

Three steps to speed up your home loan approval.

Asking how long it takes to get a loan approved is like asking how long a piece of string is....
June 20, 2017
Puzzle

Getting into your first home doesn't have to be hard.

But, insert (Mum, Dad, Friend, Neighbour) said we wouldn’t be able to get a loan. Generally speaking, this advice is...
May 31, 2017
DIY

How LMI could give you a head start investing.

Case Study Brad, a registered nurse, bought his first home five years ago. Having a penchant for carpentry, he got...
May 25, 2017
House Loan

The Top 4 Criteria Banks Look at When Assessing Your Loan Application.

When you apply for a loan, while all lenders all have their own exact methods, these are the key criteria...
May 5, 2017
Mortgage Insurance

Loan To Value Ratio, Mortgage Insurance & Minimum Deposit – are all banks the same?

Answer: NO I had a lovely young couple come to see me that had a deposit of $40,000. They had...
May 1, 2017
Flower Vase

Declined finance? Don't throw in the towel just yet. Your perfect match might still be out there.

You found your dream home, you've pictured the furniture you want, and the children have picked their rooms. You nervously...
April 12, 2017
Remote Finance

Remote finance - why face to face appointments are no longer needed.

Not everyone has the time to meet with a mortgage broker, and nor should they have to. With the technology...
April 6, 2017
Divorce and Property

Divorce and property. FAQ's when lending is involved.

I think if you were to 'Google' the topmost stressful life events, you are more than likely to find divorce...
April 3, 2017
Piggybank

Making the most of record low interest rates.

The decision by the Reserve Bank to further reduce the cash rate provides a world of opportunities for those with...
March 31, 2017
Woman Portrait

The First Home Owner Grant and how to make the most of it.

With the $20,000 Queensland First Home Owner Grant (FHOG) finishing up on the 30th of June this year I’ve had...
March 27, 2017
Family

To guarantee or not to guarantee?

They may have moved out – or not! But this isn’t necessarily the end of your responsibilities to your children....
November 1, 2016
Investment Account

Offset or Redraw Account? Do they actually help?

Can redraw and offset accounts save you money? Offset accounts and redraw facilities work in similar ways. They both allow...
July 16, 2016
Investment Property

Should you manage your investment property?

While managing your own investment property can seem like a simple way to keep more of the rent flowing towards...
July 6, 2016
Property Loan

What comes first, the Property or the Loan?

It’s easy to get carried away with the fun part of buying a property – looking at houses – however,...
May 10, 2016
Auction Strategy

What is your Auction Strategy?

Nothing tests the nerves more than bidding at an auction. Here's some helpful tips on successfully purchasing a property at...
May 4, 2016
Urban City

What to look for in new urban renewal estates.

There has been a recent push around Australia to make better use of land within metropolitan areas to establish new...
May 20, 2015
Gen Y

Is Gen Y as unmotivated as they're portrayed?

When you think of property moguls with a portfolio of homes and investment properties, you might be forgiven for thinking...
July 18, 2014

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I Know The Broker

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Noosaville QLD 4566
Australia
0410 413 196

Email:
info@iktb.com.au

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