Is Now a Good Time to Buy Property in Australia?
You’ve probably noticed the headlines. Property price growth is stalling, the Reserve Bank has lifted rates three times this year, and the Federal Budget just rewrote the rules for property…
Mortgage & Home Loan Blog Australia – Tips, Guides & Insights
Can I Refinance If My House Has Gone Up in Value?
Each week, one of the most common questions I get is “Can I refinance if my home has gone up in value?”. Short answer: yes, and it might be one…
Fixed Vs Variable: Should I Fix My Home Loan in 2026?
After dropping and holding steady through 2025, the RBA lifted the cash rate three times between February and May 2026. This took it from 3.60% to 4.35%. Three rises in…
How Much Deposit Do You Actually Need for a Home Loan in Australia?
Most buyers assume they need a 20% deposit before a lender will even look at them. That number gets repeated so often it starts to feel like a rule. It…
Offset vs Redraw Facility: What’s the Difference and Why It Matters
Most borrowers know that offset and redraw facilities help reduce the interest on their home loan. Fewer know how differently they work – and how badly a mix-up can cost…
The Bank Said No. What Now?
Hearing the word “declined” from a lender can feel like a door slamming shut – especially when you’ve done everything right, saved your deposit, and genuinely believe you can comfortably…
Why Has My Borrowing Capacity Reduced?
If you’ve sat down with a borrowing calculator lately and come away feeling like something’s off – or found yourself googling “why has my borrowing capacity reduced” – you’re not…
Genuine Savings Explained
If you’re saving for a home deposit, you may have come across the term “genuine savings” and wondered exactly what it means – and whether your savings qualify. It’s one…
Does HECS Debt Reduce Your Home Loan Borrowing Capacity?
What every Australian graduate needs to know before applying for a mortgage – does HECS debt reduce your borrowing capacity, and by how much. You studied hard, graduated, built a…