Insights

Perspectives, tips, commentary, and articles from our team.

  • View all
  • Fact Sheets
  • Insights
  • Latest News

Property market climbs towards new peak

The property market has thumbed its nose at higher interest rates, with values rising almost 5% since March. Here’s why national housing prices are climbing higher.

Read article

Low deposit first home buyers now have $82,000 in equity

First home buyers who bought into the market using the federal government’s 5% deposit scheme have racked up $82,000 in home equity on average, new data shows.

Read article

Why would I want a ‘split loan’?

In this article, we explore the benefits and considerations of a split loan.

Read article

Should I have an offset account with my home loan?

This is a common question we hear and the answer, of course, is it depends on your situation and how you would use your offset account.

Read article

Is Lenders Mortgage Insurance a waste of money?

Depending on how much you borrow, you may come up against something called Lenders Mortgage Insurance. While this can seem like a significant and unwanted expense, sometimes there’s more to it.

Read article

Do I need a redraw facility?

The features of a home loan can be quite confusing as there are so many options to choose from. One of those features is a redraw facility. You may be wandering how this differs to your offset account. Let’s dive in and explore what a redraw facility is all about.

Read article

Are interest only loans a good idea?

One of the key decisions you will need to make is around the structure of your repayments. You can choose an interest only option or go with principal and interest repayments. There are many things to consider when making this decision.

Read article
home loan borrower who is happy they have a redraw facility as advised by Circle Finance Group

Redraw Facility

A redraw facility is a loan feature that is usually available with variable rate home loans and some fixed rate loans. A redraw facility lets you access any extra repayments you’ve made on your home loan.   To use a redraw facility, you first need to make extra repayments, or regularly pay more money on…

Read article
content home loan client who has a split loan

Split Loans

A split rate home loan is a loan that allows you to split your home loan into multiple loan accounts that attract different interest rates. A common example is to split your home loan to obtain a variable interest rate on one portion of the loan and a fixed rate on the other. For example,…

Read article
Happy borrower who understands variable rate loans

Variable rate home loans

Variable rate home loans are popular and offered by most lenders. With a variable rate loan, the interest rate you are charged can fluctuate in line with market interest rate changes. Because of this, your home loan repayments may also vary. Generally, the variable interest rate on your loan will move in line with the…

Read article
Happy first home buyer

First Home Buyers Family Pledge Guarantee

Saving the deposit for your first home can be difficult and take a number of years. One way to potentially get into your own home sooner is by having a family member act as a guarantor. Many lenders allow parents or someone who is close to you, to use the equity in their property as…

Read article

Offset Accounts

A mortgage offset account is a savings or transaction account that can be linked to your home loan. The balance in this account ‘offsets’ daily against the balance of your home loan before interest is calculated. An offset account can help you cut years off your home loan term and save money on interest. How…

Read article

Circle insights

The one email you'll look forward to receiving

Logo WHITE Icon Transparent

"*" indicates required fields

This field is for validation purposes and should be left unchanged.