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We make it easy
Our way - the RealWay, is to be with you every step along the way. From initial consultation, to settlement and many years beyond, we wish to make your experience of property purchasing easy, unique, educational and exciting. We take care of all the paperwork and are always available to answer questions along your way!
You are unique!
Everyone is unique, same as financial situation and choice. Decision you make today will make huge difference to your future. That’s why we are here, helping you get ready for today and plan for tomorrow. We take time to listen to your needs, assess your financial ability, structure the right loans and help you to make decision that you will not regret in the years to come.
We care about our clients.
We value our clients’ trust, and strive to build long –lasting relationship with our clients.
We are paid by the respective lender, our service to you, is a complimentary service. We do not charge fees for credit or structure advice or to find you the suitable deal each and every time. Annual reviews of your loans are at no cost either.
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At RealWay Finance, we dream your dream.
We provide mortgage broking services to property investors and home buyers. We help, advise and empower our clients along the journey of property investing, through our professional knowledge, hands-on experience and real passion.
RealWay, your way, our way.
Junmin (Eric) Wu
Director, Mortgage Broker at RealWay Finance Pty Ltd
Junmin (Eric) WU is a credit representative (490993) of Mortgage Specialists Pty Ltd (Australian Credit Licence 387025)
MFAA Full Member Number 304158
Services
Property Investors
Assisting property investors reach their goals
At RealWay, we are investors ourselves so we understand the journey you're on.
We take the time to understand your goals, and your strategies to get there through property investing. We find the right loans and structure them correctly to suite your strategies.
Home Buyers
The best loans and rates for your needs
Every home owner is different. We make sure we understand your needs in a home loan for your unique situation. This could be fixed, variable, a mixture or just the loan with the lowest interest rate. We make sure we advise you on your options and what will be of greatest benefit to you now - and in the future.
Refinancing
Save on your current rate or access your equity
We do complimentary checks on your loan(s) to see if you can get a better loan product, access equity or should change banks to get a better deal.
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latest news and insights
Here's what's going on in the world of finance and property.
Thinking of a tree change? You might find more affordable homes
Growing numbers of younger Australians are opting for regional living, and part of the lure of a ‘seachange’ or ‘treechange’ can be the chance to get more bang for your buck.
As property values climb higher, the median home price across our combined capitals has justpushed past the $1 million mark.
That’s seeing a rethink among plenty of Aussies, who are swapping city skylines for regional horizons.
Relocations from capitals to regions are outpacing moves in the opposite direction, according to the latestRegional Movers Index.
And recent CommBank research shows more than5.3 million Australians – about 37% of city dwellers – would consider a tree change.
Gen Z (aged 18-29) is leading the trend, with almost half considering a regional move.
The Regional Australia Institute (RAI) foundmore affordable housingis a key appeal for more than two-in-five would-be tree changers, rising to one-in-two Gen Xers (1965-1980).
But are property prices really more affordable outside the big cities? And what should buyers be aware of when it comes to buying a home among the gum trees?
A $250,000+ price difference
There’s no doubt regional Australia can give home buyers a generous serve of affordability.
As a guide, the median home price across ourcombined capitals is currently $1,002,520.
That’s a whopping $258,848 higher than the $743,672 median value across regional markets.
This price gap doesn’t just mean saving on the cost of a regional home, and property-related expenses like stamp duty.
It can also allow first home buyers with a smaller deposit to bring forward their buying plans, or buy a house rather than an apartment.
In addition, a lower purchase price may mean you need to borrow less, which brings the added plus of lower home loan repayments.
What about property price growth?
Let’s bust a few myths.
Yes, you can get great coffee outside of the cities, and no, regional areas don’t always lag behind state capitals when it comes to property price growth.
The latest house price data from Cotality showsregional home values rose 10.3%over the last year, outpacing the 9.2% gains across state capitals.
This isn’t a one-off.
Regional home values climbed 57.4% over the past five years, compared to 42.8% across the combined capitals.
This reflects what the Australian Housing and Urban Research Institute says is a knock-on effect of thelong-term trend of people migrating out of our cities and into regional areas.
Could a tree change impact home loan eligibility?
If you’re considering pulling stumps from the city, and moving to the regions, it is important to be confident about your job prospects.
The good news is thatmany regional locations have healthy job markets, though this is always worth checking (not to mention taking into consideration your occupation or qualifications).
However, you may not need to change jobs at all.
An RAI study shows close to half (47%) of city dwellers planning a regional move wouldstay in their current job on a remote or hybrid basis.
Either way, it’s a good idea to talk to us about your work arrangements. That’s because home loan lenders like to see that you have stable employment when you apply for a home loan.
Other than that, the process of applying for a home loan is much the same regardless of where you plan to buy.
If you’re thinking of farewelling the big smoke in favour of country living, get in touch with us today. We can run through your situation and explain the home loan options that are a good fit for your needs.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
