Blog
When Will Interest Rates on Mortgages Go Down?
In the current economic climate, Australian homeowners and prospective homebuyers are eagerly anticipating potential declines in mortgage interest rates. Understanding when these rates might decrease hinges on various economic indicators and predictions from financial...
Switching Home Loans: A Guide to Refinancing Your Mortgage
Refinancing your mortgage involves transitioning from your current home loan to a new loan arrangement, potentially with another bank or lender. This process, often undertaken to secure a lower interest rate, access better loan features, or adjust the loan term, can...
What Are Low Doc Home Loans?
Low Doc Home Loans in Australia provide a vital financing option for self-employed individuals, small business owners, and others who can't supply traditional income proof required for standard home loans. These loans simplify the application process by requiring less...
A Guide to Maximising Home Equity to Buy Your Next Property
Leveraging Home Equity to Buy: A Guide to Growing Your Property Portfolio Home equity represents a powerful financial resource for homeowners, offering a pathway to expand property portfolios or invest in real estate. In Australia, leveraging the equity in your...
How Long Will It Take to Pay Off Your Home Loan in Australia?
Paying off a home loan is a significant financial commitment that requires careful planning and understanding of the terms and conditions set by Australian law. The time it takes to fully repay your mortgage depends on several factors including the loan term, interest...
How Do Home Loans Work in Australia?
In Australia, home loans enable individuals to finance homes or investment properties, with repayment of the borrowed amount plus interest. Understanding home loan basics—application processes, loan types, repayment strategies, and interest rate impacts—is crucial for...
A Guide on How to Apply for a Home Loan
Navigating the journey to buy a home in Australia involves understanding the nuances of the home loan process. This guide aims to demystify the steps involved in applying for a home loan, ensuring you are well-equipped with the knowledge to secure the financing you...
What is a Home Loan Comparison Rate?
A Home Loan Comparison Rate is a tool designed to help Australian borrowers identify the true cost of a loan. It incorporates both the loan's interest rate and any associated fees and charges into a single percentage figure. This allows borrowers to compare different...
What is Home Loan to Value Ratio (LVR)?
The Home Loan to Value Ratio (LVR) quantifies the portion of a property's value being borrowed, expressed as a percentage. It's a key factor lenders use to assess loan risk, influencing loan approval and terms. Understanding your LVR is crucial, as it determines...
Austin Rulfs
Austin Rulfs is the Director of Zanda Wealth Mortgage Brokers, with over 17+ years of experience in the financial services industry.
He is an alumnus of St Peters College Adelaide and holds a Diploma of Financial Services and Mortgage Broking Management from the Institute of Strategic Management.
Under his leadership, Zanda Wealth Mortgage Brokers has become a renowned mortgage broking firm in Australia, assisting hundreds of clients to invest in property and manage their mortgages effectively.