16 July 2026
How Lenders Assess Your Living Expenses for a Home Loan
Why cutting your spending before applying doesn't always raise what a lender will approve
14 July 2026
What Is a Split Home Loan and Who Should Consider Using One?
How a split loan works, and what actually decides the right fixed/variable ratio
12 July 2026
What Are Low-Doc Loans and Who Are They Actually For?
Low-doc lending explained, and why self-employed income isn't the dead end it looks like
11 July 2026
Broker Notes #10: Banks Split on Rate Forecasts as 18 Lenders Cut Anyway
Banks split on rate forecasts, 18 lenders cut anyway, and the SMSF deadline nears
10 July 2026
Market Cycles – July 2026: Australia’s Property Market Splits in Two as Rates Bite
Sydney and Melbourne cool while Perth, Adelaide and Brisbane keep climbing
10 July 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 […]
8 July 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 […]
6 July 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 […]
4 July 2026
Broker Notes #9: Home Values Post Sharpest Fall Since 2022 as Tax Reforms Pass
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 […]