6 June 2026
Broker Notes #6: Negative Gearing Overhaul Cuts Borrowing Capacity by Up to 30%
Every major Australian lender has now rewritten how it assesses investor loans – and for borrowers buying an established property after 12 May 2026, that means borrowing capacity is down 20 to 30 per cent, with no change to income or interest rates. The federal budget’s negative gearing overhaul has moved from a policy announcement […]
5 June 2026
How to Structure Loans Across Multiple Investment Properties
The way you structure loans across multiple investment properties can determine whether your portfolio grows or stalls. Get it wrong early and you may find yourself locked into a setup that limits future borrowing, complicates your tax position, and gives lenders far more control over your assets than you would ever choose. Why loan structure […]
3 June 2026
How Borrowing Capacity Is Calculated Differently for Property Investors
When you apply for an investment loan, lenders run a different set of calculations than they do for an owner-occupier purchase. Rental income is only partially counted, existing debt across your portfolio weighs heavily, and serviceability buffers apply to every loan you hold. The gap between what investors expect to borrow and what lenders will […]
1 June 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 […]
30 May 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.
28 May 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.
26 May 2026
The First Home Guarantee Explained: Who Qualifies and How to Apply
How the First Home Guarantee works, who is eligible, property price caps by state, and how to apply through a participating lender.
24 May 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.
22 May 2026
The Truth About Cashback Refinance Offers: What to Watch For
Why cashback refinance deals aren't always the saving they appear, and how to calculate if one actually works in your favour.