We currently have a loan product for investment loans that lends up to 95% including LMI capitalisation: The RESIDENTIAL INVESTMENT & Owner Occupied loan: If you have been let down by your current lender on a rule change we may be able to help with this new product. One of … Read More

Business Finance.


It’s a good time to be looking at business finance as the end of the year is nigh. What is it? Business finance is a term that encompasses a wide range of activities and disciplines revolving around the management of money and other valuable assets. So in layman terms it … Read More

Why it’s a good time to have a look at your home loan?


While some people in Australia are lamenting that they wished they owned their own homes many home owners are wishing they would pay less interest on their mortgage. There is nothing more disheartening than seeing how your monthly repayments go into one pot of Principal (teeny tiny amount) and one … Read More

Top 10 tips for taking out a home loan

Top 10 tips for taking out a home loan

Taking out a home loan will be one of the biggest financial decisions you make in your life one which you should always approach with caution and ensure you are well informed.  The following is ten key points you should take into consideration when looking to borrow for your new … Read More

Choose PCL Money for your Vehicle/ Equipment Finance Needs


Car loans as low as 5.65% We’ve done the research you’ll save the money. As a Broker we specialise if matching your needs to the best deal available.  We get paid when your loan gets approved. We work with you to navigate through the application process and obtain a loan.  … Read More

Explore your Insurance Options

Budget Direct

We have been approved to provide you with a referral to explore your insurance options. Click here  and see how much you could save on insurance. When you get to the reference section (for seeking a quote or quotes [for multiple properties]), select NSW then choose Greg or Cynthia  from the … Read More

Fixed Versus Variable

Fixed Versus Variable

The RBA’s decision to leave rates on hold after Melbourne Cup Day, may have signaled the end of the rate reduction cycle. Is now the time to look at fixing my home loan? In the minutes from the RBA’s November meeting while determining to leave rates on hold, it did … Read More

Dare to Compare


When was the last time you reviewed your current home loans rate and compared it against what is currently available on the market? Despite Interest Rates currently being at historically low levels, according to the Australian Bureau of Statistics only a very small portion of borrowers are actively renegotiating their … Read More

Self Managed Superannuation Funds (SMSF)

bank-better-home-loan Feture

Self Managed Super Funds (SMSF) are the fastest growing segment in the Superannuation industry.  With SMSFs now able to borrow to purchase residential investment property, new opportunities present themselves to investors. Illawarra Home Loans Pty Limited has the ideal funding options for SMSFs wanting to purchase a residential investment property … Read More

Are You Asking “How Much Can I Borrow”?

How much can you afford to borrow?

So, you’re looking to either buy your first home or upgrade your existing home and the first question you ask your bank or lender is “How much can I borrow“. This is one of the most frequent questions people ask when we first speak to them about a home loan … Read More

Are These Basic Inclusions Missing From Your House and Land Package?

house and land package inclusions

Building a home is a great way to get a home that has all of your families needs covered whilst also looking to the future with energy efficient systems and a modern design. House and land packages can also look like a very cost effective deal but you really have … Read More

DIY Kitchen Bench Renovation For Only $250

kitchen bench faux granite

Do you have a kitchen in need of a facelift but don’t have the budget to do a complete refit? Perhaps you are looking to renovate your investment property and don’t want to overcapitalise? If you have a kitchen featuring benches with bright or busy colours it can really date … Read More

Simple Tips: Get More Natural Light Into Your Home

introducing natural light

Unless you have an architecturally designed home chances are there is at least one room in your home that would benefit from more natural light and the illusion of more space. There are many homes around Wollongong and the Illawarra that would have the challenge of shadows from the escarpment. … Read More

Confused About Refinancing? We’ve Dispelled The Myths

Confused young man

Despite the abundance and proliferation of free mortgage information, many borrowers still fall victim to the biggest refinancing myth of all: if you refinance, you’ll be better off financially. The truth is, to be better off financially you need to find the best product to fit your needs and this … Read More

Sliding price of Australia’s second biggest export is the biggest game in town

Business chart showing crisis chart

Having extolled the virtues of base metal prices as a barometer of global appetite for financial risk, we have seemingly puzzlingly rewarded them with a rest on the interchange bench from the table in the this pdf document – and decided to give the spot iron ore price some game … Read More

How To Get Your Home Loan Application Approved – Every Time

loan approval

Getting a home loan can be a murky affair – especially if you don’t fit into a lender’s standard borrower profile. This article looks at the options available for your situation – and shows you how to frame your application to ensure success. Seeking out a loan – regardless of … Read More

New Grants Available For New Home Buyers

build house

The recent delivery of the 2012 NSW State budget has resulted in a number of changes to state taxes and grants available when purchasing property. New Home Grant Scheme (NHGS) The New Home Grant Scheme commenced on 1 July 2012. Under this scheme, a $5,000 grant will be available to … Read More

We’ve Cut Our Home Loan Rates

interest rate cut

We’ve had another home loan rate cut with our Bank Beater variable rate now falling to an incredibly low 5.87% p.a (6.15% p.a. comparison rate)! Effective today our home loan rates have been lowered by 0.20% so you now have more reason than ever to switch to Illawarra Home Loans … Read More

First Home Buyers Cash In On Construction

construction boost first home buyer

The NSW State Government today announced a major rework of the First Home Buyers scheme with First Home Buyers purchasing new homes set to be the clear winners. In an attempt to boost housing construction in the state, the government has more than doubled the First Home Buyers Grant to … Read More

Australian National Property Report – May 2012

Australian Property Report - May

NSW: Poor Performance May Be Ending A long period of poor performance might be coming to an end in NSW, but supply issues remain unresolved. The Sydney property market is due to pick up, thanks to a lengthy slow period and improved affordability, according to ANZ head of property research … Read More

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