This glossary contains key words that appear frequently in the Industry of Finance and Property.



The competitive advantage is gained because each partner has its own position in a team full of superstars and client experience is the winner.


An item that holds value and is owned by a person or company, such as property or investments.


Balloon payment

An additional payment due at the end of the term which is larger than all previous payments combined.


An item that holds value and is owned by a person or company, such as property or investments.

Buyer Agent

A professional real estate agent that specializes in helping buyers find properties and negotiate deals on their behalf.



The money available for investment purposes; also known as ‘equity’.

cash flow

The net difference between the income received from investments and any expenses related to those investments. 

Cash Out Refinance

When you refinance your mortgage to get extra money back from the equity in your home.

Certificate of Title (CT)

A document issued by the government that records ownership of land or property.

Credit File

A record kept by credit reporting agencies detailing past credit histories and debts incurred. ​



A default is a failure to make timely mortgage payments as agreed in the loan contract. When a borrower defaults, lenders may take legal action to foreclose on their property and collect any unpaid amounts owed. Defaulting on a mortgage loan can have serious consequences for borrowers, including damage to their credit rating, and difficulty obtaining future loans or credit.

Debt Service Ratio

A ratio used by lenders that shows the amount of income available after expenses like taxes, insurance, and other debt obligations are taken into account when considering a loan application.

Deposit Bond:

Insurance cover used in lieu of cash to secure a deposit on a property purchase, usually up to 10% of the total purchase price.



The difference between what is owed on a property versus what it is worth; also referred to as ‘home equity’ or ‘mortgage equity’. ​

Equity Release/Loan

Equity Release/Loan Loans taken out against the equity in your home which you do not have to repay until you sell your house or pass away; also referred to as ‘reverse mortgages’.


Fixed Rate Mortgage Loan

A type of mortgage where interest rates remain fixed throughout the duration of the repayment period regardless of market fluctuations caused by economic conditions or inflationary pressures affecting variable rate mortgages.


The legal process by which a borrower’s rights to a property are forfeited when they fail to make loan payments.


Life Insurance:

A type of insurance policy that provides money to your beneficiaries in the event of your death; it is commonly used as security for loans and mortgages.

Loan Origination Fee

A fee charged for processing and administering a loan application; also referred to as ‘point’ or ‘origination point’.

Loan To Value Ratio (LVR)

A ratio worked out based on the amount borrowed compared to the value of the security provided.



The difference between the loan rate and a lender’s cost of funds.

Mortgage Broker

An individual or business that helps guide borrowers through the process of obtaining a loan by connecting them with lenders and helping them to assess their options in terms of interest rates, repayment terms and other key aspects.

Mortgage Insurance

A type of insurance required by lenders to protect them against losses incurred in the event that a borrower defaults on their mortgage payments.


Non-Conforming Lenders

Financial institutions that specialize in providing loans to borrowers with less than perfect credit, or who are unable to obtain conventional financing.



The process of obtaining, evaluating and approving a loan application.



A written indication from a lender or credit union showing how much they are prepared to lend a potential borrower; also known as ‘conditional approval’.

Prepayment Penalty

A fee is charged by lenders if you pay off your loan early.

Prepayment Penalty

A fee is charged by lenders if you pay off your loan early.


The total amount borrowed minus interest charges; it is the amount you are obligated to repay.

Private Mortgage Insurance (PMI)

A type of insurance required by lenders if the borrower is unable to make a 20% down payment or has less than 20% equity in their home.



The process of obtaining a new loan in order to pay off existing debt on an existing loan; often done when interest rates are lower than what was originally locked in at origination.

Adjustable Rate Mortgage (ARM)

A type of loan with an interest rate that can change over time, in accordance with market conditions.

Repayment Loan

A loan where the borrower makes regular payments of both interest and principal.


Secured Loan

A loan where the borrower must provide collateral in order to secure the loan against default; typically this is done by putting up property or assets to cover the loan.

Stamp Duty

A tax imposed by the government on the purchase of property; rates vary from state to state and are often dependent upon the value of the property.


Title Deed

A legal document that serves as proof of ownership of a property and is issued by the government.


Unsecured Loan

A loan where there is no collateral; instead, lenders take into account the borrower’s credit history, income and other factors when assessing risk.



A loan where the borrower must provide collateral in order to secure the loan against default; typically this is done by putting up property or assets to cover the loan.

Variable Rate Mortgage

A loan with a fluctuating interest rate is determined by market conditions; borrowers must be prepared to make higher payments during times of economic uncertainty.


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This is what we do.

We are finance strategists in the Mortgage Broking industry, helping Australians build wealth through property investment.

Our sole purpose is to reinvent ways to keep the Great Australian Dream Alive. Because we believe it’s everyone’s right to the security home ownership affords our families and community. Yes, our niche is Finance Strategy for Property Investors, but it is not what we do that makes us tick;

Because property investment is a decisive step toward financial freedom, we cultivate lasting relationships with our clients. We ain’t just a ‘whame bam, see ya later man’ kinda outfit. In fact, our business is built entirely from our lasting relationships with our clients who have suggested us to their inner circle – their family and friends. That is a pretty big tick of approval and a sure vote of confidence.

This is How we do

What separates us from the rest?

Have you ever considered the difference between Mortgage Brokers?

A Broker worth their salt has a playbook of ‘scenarios’. They are finance strategies that have worked in the past. He will offer up one, two or even three scenarios that he thinks will work best for you. 

But the great ones challenge the status quo, strategising new plays that serve your unique situation and financial goals. They will study, visualise, and fine-tune before offering only the best scenarios that build a rewarding property Portfolio.  

They never let good be the robber of the best and only play to win!

InvestorFi is a group of finance strategists that will design a unique scenario for your state of play towards your long-term game plan.

But don’t just take my word for it.

Clients like Tony F. said: I couldn’t be happier with the service. Wayne was excellent in guiding me through and delivering a great investment loan. Very responsive and savvy investment brokers. Will continue to use their services in the next purchase. 

And like Kim, Wayne is extremely dedicated, professional and a pleasure to work with. He worked tirelessly to help me secure an alternate lender before the settlement date and was extremely prompt and clear in his communications with me. 


Robert wrote: Wayne is always very responsive and takes the time to lay out all the options in plain English.

Reviews like this make our souls sing. We’re in the business of helping people achieve real results that last!

So if you’re looking for a great Finance strategist like these incredible clients, you’re in the right place.

This is why we do

Gone are the days a single income could afford 2.5 kids, a pet, and a four-bedroom house in the burbs! 

At InvestorFi, our sole purpose is to reinvent the great ‘Australian Dream’. Because we believe it’s every citizen’s right to the security home ownership affords our families and community, not just for today but for generations to come.

But because it’s become so difficult, it requires complex solutions. One way is to seek finance strategy before purchasing a home. This way, you can leverage your full potential to live where you want to and invest where you can afford to. 

Property ownership has become a game of ‘finance strategy’, placing a premium on finance know-how. That is why we value education; our mantra is knowledge equals freedom, but knowledge shared is freedom multiplied.  

There is no drought; we have hit a new era with its epic challenges. Not everyone is up for the grind it takes to keep the dream alive. That’s why we also place a premium on camaraderie. We don’t see ourselves as a ‘hit and run’ service but as a hub and a way of life.