July 12, 2026
What Are Low-Doc Loans and Who Are They Actually For?
12 July 2026 | Low-doc lending explained, and why self-employed income isn't the dead end it looks like
Broker Notes #10
Broker Notes – July 2026
11 July 2026 | Banks split on rate forecasts, 18 lenders cut anyway, and the SMSF deadline nears
July 2026
Australia’s Property Market Splits in Two as Rates Bite
July 2026 | Sydney and Melbourne cool while Perth, Adelaide and Brisbane keep climbing
July 10, 2026
Buyers Agent vs Mortgage Broker: What’s the Difference?
A buyers agent finds and negotiates the purchase of a property. A mortgage broker finds and negotiates the loan behind it. They are not competing services and they are not interchangeable, yet plenty of buyers assume one professional can do both jobs. Knowing where each role starts and stops can save you from a gap […]
July 8, 2026
What Happens to Your Mortgage When Interest Rates Change?
A single Reserve Bank of Australia cash rate decision can move your monthly repayment before you even receive a letter about it. On a $600,000 variable loan, each 0.25% change adjusts repayments by roughly $90 to $100 a month. Understanding how that change actually reaches your mortgage, and how quickly, helps you plan around it […]
July 6, 2026
Using the First Home Super Saver Scheme to Build Your Deposit
A couple can each put up to $50,000 of voluntary super contributions toward a first home deposit under the First Home Super Saver Scheme, which means $100,000 combined before you have even touched genuine savings outside super. The catch is timing. Money moves slowly inside superannuation, and getting the sequence wrong can delay a purchase […]
Broker Notes #9
Broker Notes – 04 July 2026
National home values fell 0.4% in June, the sharpest monthly drop since December 2022, as Sydney and Melbourne prices dropped and auction clearance rates sank into the low 40s. The same week, Parliament passed the government’s negative gearing and capital gains tax overhaul, a Greens-brokered ban on new SMSF property loans threw investor lending into […]
June 22, 2026
Buying Property in a Trust or Company: What Investors Need to Know
Buying an investment property in a trust or company structure can offer tax flexibility and asset protection that individual ownership does not provide. It can also mean fewer lenders willing to consider your application, stricter assessment criteria, and higher ongoing costs. Understanding how each structure works, and what it means for your borrowing capacity, is […]
Broker Notes #8
Broker Notes – 20 June 2026
The RBA held the cash rate at 4.35% on Tuesday, calling the first pause in 2026 after three consecutive hikes added 75 basis points to borrowing costs since February. The relief is real but narrow. New Cotality data published this week shows those three hikes have already erased every affordability gain that came from falling […]