June 11, 2026
Fixed Rate vs Variable Rate: How to Decide on Your Home Loan
At the end of 2023, roughly 35% of Australian mortgage holders were on fixed rates, most of them locked in when rates were at record lows around 2% in 2021. As those fixed terms expired across 2023 and 2024, hundreds of thousands of borrowers rolled onto variable rates between 2 and 3 percentage points higher […]
June 7, 2026
What Lenders Mean by Genuine Savings and How to Prove It
Genuine savings is one of the most misunderstood requirements in the home loan process. Many borrowers discover that the $50,000 sitting in their account doesn’t qualify, not because the money isn’t there, but because of where it came from or how recently it arrived. What genuine savings actually means to a lender Australian lenders use […]
June 1, 2026
Construction Loans Explained: How Finance Works When You’re Building a Home
A construction loan works differently from a standard home loan. Rather than receiving the full loan amount upfront, funds are released in stages as the build progresses, and during construction you typically only pay interest on the amount drawn down so far. Understanding how this works before you sign a building contract can prevent significant […]
May 30, 2026
Bridging Finance Explained: How to Buy Before You Sell
Bridging finance covers the gap between purchasing a new property and settling the sale of your existing one, so you don't have to sell first. Here's how the loan is structured, the difference between open and closed bridges, and the risks to understand before you commit.
May 28, 2026
Guarantor Home Loans Explained: How a Family Guarantee Can Help You Buy Sooner
A guarantor loan lets a first home buyer use a family member's property as additional security, removing the need for a 20% deposit and avoiding Lenders Mortgage Insurance. Here's how it works, what the guarantor is actually agreeing to, and how the arrangement is eventually released.
May 24, 2026
How Extra Repayments Can Cut Years Off Your Home Loan
How extra repayments compound over time, with real figures showing how much interest you can save and how many years you can cut.
May 18, 2026
What Is a Comparison Rate and Why It Matters More Than the Headline Rate
Why the comparison rate reveals what headline rates hide, and how to use it properly when comparing loans.
May 10, 2026
What Is a Serviceability Buffer and How Does It Affect Your Borrowing Power?
How APRA's 3% serviceability buffer is calculated, who it affects most, and what you can do to improve your borrowing position.
May 3, 2026
Offset Account vs Redraw Facility: Which One Suits You?
Offset vs redraw: two ways to reduce mortgage interest explained for Australian borrowers.