Blog

Read home loan, industry news, tricks and helpful insights into home loans, the Australian property market, and all things finance written by an industry veteran.

Our blog shares insight from the team at Euphoria Home Loans, up-to-date information, as well as more resources that could be valuable when looking for your next home loan or home loan refinancing.

Ultimate Guide to the Home Loan Application Process

It’s time to begin house hunting, but where do you start? What kind of house can you afford?Buying a house is an exciting time, so don’t let the process overwhelm you. By using a mortgage broker’s services, you can be on your way to home ownership even quicker than you’d imagine. There are 3 main phases in the application process: Understanding your Finances Application Process Pre-approval & Settlement

First Home Buyer Guide: Everything You Need to Know

One of life’s biggest achievements is owning your first home. The significant and memorable experience, similar to other large achievements throughout life, requires a series of thoughtful decisions and smart, strategic planning. However, where are newcomers meant to start? We’ve listed some things every first buyer guide needs to know!

Bridging Loans in Sydney - Simplified

Selling your home and buying a new property at the same time can be a little tricky. It can sometimes take a while to sell your home, leaving you without the sales proceeds to buy your new property. A bridging loan is a special type of short-term loan, also known as ‘relocation loan’ that is designed to cover the purchase price of a second property and to give you time to sell your existing property, even if you already have a mortgage on it.

Pros & Cons of Interest-only Loans

Interest-only home loan as an attractive choice when considering finance options. The prospect of lower repayments for a period of time to free up cash for other purposes might be appealing. But it’s worth bearing in mind, that this setup can have drawbacks, most notably the potentially greater long-term cost compared to other options.

4 Top Reasons to Refinance Your Home Loan

Refinancing your home loan means changing your existing loan for a new one and usually, with a new bank. For borrowers who might feel like their current mortgage has already lost its competitive edge, refinancing is the way to go. It is also another opportunity to reassess your financial standing and get a home loan that best fits your needs.

Challenges of Buying Your First Home

Getting prepared to buy your first home can be overwhelming and daunting at the same time. There just seems to be so much to do and think about. Sometimes just knowing you’re not alone and where to look for advice is all the help you need.

4 Smart Real Estate Investment Options

Now seems like a good time to invest in real estate since not only more growth is likely on its way, but there are also more ways than ever to invest in housing and real estate which is beyond just in the traditional sense of being a landlord.

Owner-Occupied VS Investment Loans - SIMPLIFIED!

It’s important to understand what your intentions are when you purchase a home, so you know which loan to apply for and the differences between the two.

4 Ways to Consolidate your Debt

Small debts may not seem significant, but having multiple smaller debts could mean you pay higher interest rates and multiple sets of fees. The first step in this process is to understand your debt position. What that means is that you have to look closely at your debt.

Reasons to work with a Mortgage broker

A good mortgage broker is someone who takes the time to explore your individual circumstances and goals and can quickly identify the right options that would suit you.

6 Points to Consider when Buying an Investment Property

An investment property can be one of the most fruitful purchases that you ever make. Do it right, and you can get a strong return through passive income, tax breaks, and equity gains.

Choosing the right loan

Don’t you wish shopping for a loan was as exciting as shopping for shoes or well a gaming console.

5 Tips to Repay Loans Quicker

We all dream of living a debt-free lifestyle, where we own our own homes outright and we have savings to pursue other passions in life.

August Cash Rate Remains at 1.50%

The Reserve Bank of Australia (RBA) has announced that it will leave the cash rate at 1.50% for yet another …

Lenders Mortgage Insurance: Can it benefit me?

One of the biggest questions for any first-time home buyer is “should I be holding off on purchasing a home …

How to repay your home loan quicker?

We often get asked by our clients, how they can repay their home loans quicker. The key is how …

How to purchase your next car with a car loan

Australians have a few options when it comes to financing a car, and you should make sure you know what …

What is negative gearing for property investment?

NEGATIVE GEARING EXPLAINED JARGON FREE! Negative gearing – it may seem like investor mumbo jumbo, but it’s really...

Common home loans: why and how to repay them quicker

Finding the ideal home loan and the best way to pay it off can seem insurmountable alone.

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Buying a new home but not sure where to begin?

At Euphoria Loans we understand that taking on a new home loan can be a daunting task especially with all of options out there offered through the hundreds of different lenders, that’s why Euphoria Loans offers a wide variety of great value, easy to understand home loans that will give you flexibility to choose the right home loan for you.

Whether you’re a first home buyer looking for a basic package or you want a tailored loan with extra features to help you renovate or invest, Euphoria Loans has the loan to suit you.

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Are you paying too much on your home loan?

Are you getting the best rate for your home loan? Many Australians are paying more interest than they should be. The team at Euphoria Loans will help you find the best home loan suited to your personal situation at no cost to you! Use the contact form on this page to learn how you can save thousands in interest over the life of your loan.

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Business

At Euphoria Loans we understand that taking on a new home loan can be a daunting task especially with all of options out there offered through the hundreds of different lenders, that’s why Euphoria Loans offers a wide variety of great value, easy to understand home loans that will give you flexibility to choose the right home loan for you.

Whether you’re a first home buyer looking for a basic package or you want a tailored loan with extra features to help you renovate or invest, Euphoria Loans has the loan to suit you.

Ourcommercial loan specialists will assist you in finding the best finance optionfor your business.  Our services include finding:

  • Commercial property loans 

  • Finance to purchase a business or a franchise

  • Asset or vehicle finance

  • Unsecured and short term finance

Man holding house cardboard
Buying a new home but not sure where to begin?

At Euphoria Loans we understand that taking on a new home loan can be a daunting task especially with all of options out there offered through the hundreds of different lenders, that’s why Euphoria Loans offers a wide variety of great value, easy to understand home loans that will give you flexibility to choose the right home loan for you.

Whether you’re a first home buyer looking for a basic package or you want a tailored loan with extra features to help you renovate or invest, Euphoria Loans has the loan to suit you.

Buying a new car or a boat and need a hand with the right finance option.  We can help you find the right type of finance for your vehicle.  We can assist with:

  • Purchase of a new or used vehicle

  • Secured vehicle loan / finance

  • Unsecured vehicle loan / finance

Get expert advice at no cost to you

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