Kandid Loans

Buying your first home is a major milestone, but in today’s property market, it feels more challenging than ever. One of the biggest hurdles facing first home buyers is the deposit gap — the growing difference between what buyers can realistically save and the amount needed to secure a home loan. At Kandid Loans , your trusted independent mortgage broker in Sydney , we help first home buyers understand this challenge and find smart, practical solutions to overcome it. The deposit gap has widened significantly in recent years due to rising property prices, stagnant wage growth, and increasing living expenses. As property values grow faster than savings, many first home buyers find themselves needing a larger deposit just to enter the market. Traditionally, lenders prefer a 20% deposit to avoid Lenders Mortgage Insurance (LMI). However, with median home prices reaching new highs, achieving that 20% target can take years longer than before. This growing gap creates several issues for fir...

  Refinancing your home loan for the first time can feel overwhelming, especially with so many home loan refinancing offers available in the Australian market. However, when done correctly, refinancing can help you reduce interest rates, lower monthly repayments, or unlock equity for future goals. At Kandid Loans , we help first-time refinancers understand their options clearly and confidently. What Is Home Loan Refinancing? Home loan refinancing simply means switching your existing mortgage to a new loan—either with your current lender or a different one—under better terms. Many homeowners refinance to take advantage of lower interest rates, improved loan features, or more flexible repayment options. For first-time refinancers, the key is understanding how refinancing offers work and whether the benefits outweigh the costs. Why First-Time Refinancers Consider Refinancing Most homeowners start exploring refinancing when: Interest rates drop and better offers become available Mont...

Investing in property can be one of the most rewarding ways to grow your wealth, but understanding how to finance your investment is crucial.Investment loans are useful in this situation.  An investment loan is a type of mortgage designed specifically for purchasing an investment property, whether it’s a residential home, apartment, or commercial real estate. Unlike a standard home loan, investment loans come with different tax implications, interest rates, and lending requirements, so it’s essential to plan carefully before borrowing. Kandid Loans , as a trusted independent mortgage broker in Sydney , helps property investors navigate the often-complex world of investment finance. By working with a wide range of lenders, they ensure you get access to competitive interest rates, flexible repayment options, and tailored solutions that suit your financial goals. Understanding Investment Loans Investment loans are designed for properties you intend to rent out or sell later for a pro...

Finding the right home loan can feel overwhelming, especially with so many lenders, interest rates, and loan types available in the Australian market. Whether you're a first-time homebuyer, refinancing your current mortgage, or investing in property, choosing the right loan can make a big difference in your financial future. That’s why working with an independent mortgage broker in Sydney is one of the smartest decisions you can make. At Kandid Loans , we specialise in helping borrowers find better, more affordable loan options tailored to their needs — without the confusion, stress, or hours of research. Why Choose an Independent Mortgage Broker? Unlike bank lenders who can only offer their own products, an independent mortgage broker provides access to a wide range of loans from multiple banks and financial institutions. This means you get more choices, better rates, and customised solutions based on your financial situation. Here’s why more Sydney buyers trust independent br...