Negative gearing is one of those terms you hear a lot in property circles and on the news. Put simply: negative gearing happens when the costs of owning an investment property - most commonly the interest on the loan - are greater than the rental income you receive.

Buying property is often the biggest financial commitment many Australians ever make. While finding the right home loan is central, there’s more to the property journey than just your mortgage. Financial tools like insurance and income protection can act as guardrails: they help you stay on track if life throws you a curveball.

Choosing between principal and interest and interest-only loan repayments is one of the biggest decisions you’ll make when taking out a home loan. Both repayment types have pros and cons depending on your goals, cashflow and whether the loan is for your home or an investment property.

When you're in the market to buy a home, securing mortgage pre-approval is one of the most important steps you can take. It’s more than just a formality - it’s a strategic move that can significantly impact your home-buying journey.

When you run your own business, do contract work or have shifting income streams, applying for a standard home loan can be frustrating. Many lenders demand payslips, employment contracts and tax returns - documents you may not always have.

Lenders Mortgage Insurance or LMI is one of those home-buying costs that surprises people when they first see it. In simple terms: LMI is an insurance premium the lender takes out to protect itself if a borrower with a small deposit can’t meet repayments and the sale of the property does not cover the outstanding loan.

Choosing the right home loan is a significant decision in your home-buying journey. With various loan types, interest rates, and lenders to consider, it's essential to make an informed choice that aligns with your financial situation and long-term goals.