Finance Insights & News

Expert advice to help you secure your financial future

The 'Million Dollar' Question: How Much Can I Actually Borrow?

Calculate your true borrowing power with Chawla Finance. Understand income shading, HEM, and credit limits before you apply.

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Bridging Finance: How to Buy Your New Home Before Selling the Old One

Buying before selling? Learn how bridging finance works, manage peak debt, and transition smoothly to your new home.

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The Builder Vetting Guide: How to Avoid a Construction Headache

Avoid construction nightmares. A guide to vetting builders, checking licenses, and understanding fixed-price contracts.

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Fixed, Variable, or Split? Choosing Your 'Lending Personality'

Confused by interest rates? We compare Fixed, Variable, and Split loans to help you choose the right mortgage personality.

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The Comparison Rate: Why Lenders Love Small Print

What is a comparison rate? Uncover the true cost of your loan and hidden fees behind the headline interest rate.

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Lenders Mortgage Insurance (LMI): The Fee That Protects the Bank

What is LMI? Learn about guarantor loans, professional waivers, and how to potentially avoid this fee.

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The 'Hidden' Costs: The House Price is Just the Beginning

Budget beyond the purchase price. A guide to Stamp Duty, conveyancing fees, and inspection costs.

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Offset vs. Redraw: Where Should You Park Your Cash?

Offset account or Redraw facility? We explain the differences to help you save interest and access your cash.

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The Approval Timeline: From 'Just Looking' to 'Moving In'

How long does a mortgage take? From pre-approval to settlement, understand the home loan timeline.

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Broker vs. Bank: Why Choice Beats Loyalty

Why choose a mortgage broker over a bank? Access 40+ lenders and get advice in your best interest (BID).

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Your Local Experts: Serving Point Cook and the Wyndham Region

Your local mortgage broker in Point Cook and Wyndham. Expert finance advice for Werribee, Tarneit, and Truganina.

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National Reach: Finance Solutions Across All Australian Cities

Chawla Finance serves Australia-wide. From Melbourne to Sydney and Perth, get personalized home loan solutions anywhere.

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